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Storebrand (STB) investor relations material
Storebrand Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Record-high Q3 2025 profit of NOK 1,586 million, up 5% year-over-year, with strong growth across all business segments and robust solvency.
Operational result reached NOK 1,091 million, a 16% increase year-over-year.
Kjetil R. Krøkje appointed as new CFO, succeeding Lars Løddesøl.
Strategic focus on sustainability, digitalization, and capital-light business areas as growth enablers.
Leading Nordic provider of life insurance, pensions, and asset management, serving retail, corporate, and public sector clients.
Financial highlights
Group result for Q3 2025: NOK 1,586 million; YTD 2025: NOK 4,180 million.
Earnings per share at NOK 3.08, with cash EPS for Q3 2025 at 3.12.
Assets under management (AUM) grew 16% year-over-year to NOK 1,561 billion.
Insurance premiums exceeded NOK 10 billion, up 20% from last year.
Solvency II ratio at 195% as of Q3 2025.
Outlook and guidance
Double-digit growth ambition for 2025, with cost guidance of NOK 6.9 billion for the year.
Dividend and buyback programs continue, with NOK 1.5 billion buyback approval for 2025 and ambition to reach NOK 12 billion by 2030.
VAT Act changes expected to increase costs by NOK 100 million annually from H2 2026; mitigation measures underway.
Combined ratio ambition remains at 92% or less, but strong sales and weather claims may push it higher in 2025.
Continued focus on growing non-guaranteed savings and asset management.
Q3 Solvency II ratio trend analysis
Guaranteed pension net transfer trends
Asset Management performance fee drivers
AIP profitability outlook and capital attraction
Mitigation for NOK 100M VAT cost impact
Savings segment profit despite AUM growth
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Next Storebrand earnings date
CMD 202510 Dec, 2025
Next Storebrand earnings date
CMD 202510 Dec, 2025
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Frequently asked questions
Storebrand ASA, through its subsidiaries, primarily provides insurance products and services in Norway, the United States, Japan, and Sweden. The company operates in two segments: Corporate Businesses and Retail. The Corporate Businesses segment is engaged in providing property and casualty insurance products to businesses in Norway; life insurance services through a joint venture arrangement with another company in Norway; mergers services; advisory services to third parties;; marketing consulting services to other non-life insurance companies; and project management services such as party wall liability insurance.
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