Full Year 2025 Scor SE Earnings Call Transcript
Key Points
- SCOR SE (SCRYY) achieved a record full-year net income of EUR 846 million, the highest in the company's history.
- The return on equity reached 19.1%, exceeding group targets.
- The company achieved EUR 170 million in savings, one year ahead of target, maintaining flat management expenses compared to 2023.
- The solvency ratio increased to 215%, at the higher end of the target range, indicating strong financial health.
- SCOR SE (SCRYY) proposed a dividend increase to EUR 1.9 per share, up 5.6% from the previous year, demonstrating confidence in future performance.
- The P&C insurance revenue declined by 1.6% for the quarter at constant FX, driven by a single-digit decline recorded by SBS.
- There was margin pressure in certain inward segments due to a more competitive P&C pricing environment.
- The Life & Health CSM slightly decreased on a reporting basis, indicating some volatility in the segment.
- The company faced headwinds in some specialty lines, although it remains confident in long-term profitability.
- The tax rate for the full year was slightly higher than expected at 28%, though still below the long-term assumption of 30%.
Good afternoon, ladies and gentlemen, and welcome to the SCOR Q4 2025 Results Conference Call. Today's call is being recorded. There will be an opportunity to ask questions after the presentation. (Operator Instructions) At this time, I would now like to hand the call to Mr. Thomas Fossard.
Please go ahead, sir.
Good afternoon, everyone, and welcome to SCOR Q4 2025 results on SCOR . I'm joined on the call today by Thierry Leger, Group CEO; and Francois de Varenne, Deputy CEO and Group CFO, as well as other Comex members. As usual, can I please ask you to consider the disclaimer on Page 2 of the presentation. And now I would like to hand over to Thierry.
Thank you, Thomas, and hello, everyone, also from my end. I hope you're doing well, and I thank you for joining SCOR's Q4 earnings call today. SCOR delivered another strong quarter, finishing 2025 on a high note. The group achieved a full
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