Samsung Fire & Marine Insurance (000810) Q3 2025 earnings summary

Executive summary

• Net profit reached 1.78tn KRW for 3Q FY2025, supported by strong investment gains despite a decline in insurance profits year-over-year.

• Operating profit was 2.35tn KRW, down 4.2% year-over-year, with insurance profit falling 17.8% and investment profit rising 24.8%.

• Number of customers stood at 13.3 million.

Financial highlights

• Insurance profit for 3Q was 370bn KRW, down 22.4% year-over-year; investment profit for 3Q was 332bn KRW, up 25.8%.

• Insurance revenue for 3Q was 4.72tn KRW, up 7.3% year-over-year.

• Net profit attributable to majority interest for 3Q was 538bn KRW, down 2.9% year-over-year.

• Investment income for 3Q was 906.5bn KRW, up 16.6% year-over-year.

Outlook and guidance

• Plans for progressive increase in shareholder return and stable DPS growth, with annual treasury share cancellation of 2.5-3.0% over four years.