)
Visual
test
Samsung Life Insurance
Samsung Life Insurance (A032830) investor relations material
Samsung Life Insurance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Net profit attributable to controlling shareholders rose 3.7% year-over-year to KRW 2.1171 trillion for 9M FY25, driven by strong investment profits and stable insurance service results.
CSM balance increased by KRW 1.1 trillion year-to-date to KRW 14 trillion as of September 2025, reflecting quality new business and assumption changes.
New business CSM reached KRW 2.3 trillion year-to-date, with health CSM up 23.9% year-over-year to KRW 1.7517 trillion, driving overall growth.
Shareholders' equity rose by KRW 8.2 trillion year-to-date to KRW 40.9 trillion, supported by profit growth and higher SEC share price.
Financial highlights
New business CSM margins remain robust at 11.5x for all policies and 16.8x for health products.
RBC/K-ICS ratio improved to 193% as of September 2025, up 6 percentage points from Q2, maintaining strong capital adequacy.
Investment profits grew 11.9% year-over-year to KRW 1.713 trillion, with notable gains from dividends and real estate disposals.
Insurance service results declined 7.9% year-over-year due to increased CSM losses and operating variance.
Third quarter included a one-off real estate disposal gain; no similar disposals expected in the near term.
Outlook and guidance
Investment gains for Q4 and 2026 are expected to remain stable if current interest and FX rates persist.
CSM adjustments at year-end are projected to be similar to last year, with no major one-off factors anticipated.
Targeting improvement in ROE through recurring profit growth and increasing shareholder return ratio toward 50%.
Focus remains on high-margin product sales, stable net CSM growth, and strengthening distribution channels.
What's driving the decline in insurance service results?
How does SEC share price volatility affect K-ICS?
What's the strategy for channel-driven NB CSM growth?
Future SEC share disposal dividend policy?
Private credit investment strategy post-Hayfin?
Future product mix to sustain CSM growth?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebJ
Strong growth, digital innovation, and margin expansion drive robust multi-year financial outlook. - 6 Feb004020
Operating profit rose on cost savings and high-value sales, with major US expansion underway. - 6 FebJOUT
Net sales up 31%, gross margin at 36.6%, and net loss narrowed to $3.3 million. - 6 FebPECO
Record 2025 occupancy and 7% Core FFO growth; 2026 targets 5.5% FFO growth and strong acquisitions. - 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
Next Samsung Life Insurance earnings date
Q4 202520 Feb, 2026
Samsung Life Insurance
Next Samsung Life Insurance earnings date
Q4 202520 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Samsung Life Insurance Co., Ltd. is a financial services company specializing in life insurance, retirement planning, and asset management solutions. The company offers a range of insurance products, including term life, whole life, annuities, health, and investment-linked policies, catering to individuals and businesses. Samsung Life also provides wealth management and financial advisory services. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage