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Swiss Re (SREN) investor relations material
Swiss Re Status Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Status Update summary5 Dec, 2025
Strategic priorities and market positioning
Focus on long-term stability, disciplined cycle management, and technical excellence in underwriting and claims, with an emphasis on franchise growth and margin improvement.
Portfolio repositioned to reduce volatile U.S. casualty exposure, increase decorrelation, and strengthen core business units, with ongoing investments in data, technology, and AI readiness.
Clear priorities for 2025 and 2026: meet net income targets, increase group resilience, and maintain flexibility to strengthen reserves if performance allows.
M&A strategy centers on bolt-on acquisitions to strengthen the core, with readiness for integration and a focus on decorrelated specialty lines.
Market outlook remains constructive, with growth opportunities in select areas and a cautious approach to rate declines and market cycles.
Financial targets, capital management, and cost discipline
2026 net income target of USD 4.5 billion, with L&H Re targeting USD 1.7 billion, and a through-the-cycle ROE target above 14%.
Sustainable annual share buyback program of USD 500 million to start in 2026, subject to achieving 2025 net income targets and board approval, complementing a dividend policy of at least 7% annual growth.
USD 300 million net cost reduction targeted by 2027, with USD 100 million achieved in 2025, driven by simplification, AI investments, and legacy system reductions.
Strong solvency position (268% SST), with capital management focused on maintaining a 200–250% range and deploying excess capital through dividends, buybacks, or business growth.
Prudent leverage management and capital repatriation support financial flexibility, with buybacks subordinated to dividends and business opportunities.
Business unit performance and portfolio actions
Corporate Solutions delivers stable earnings with a combined ratio averaging 90.6% since 2021, supported by external reinsurance and prudent reserving.
P&C Re portfolio quality improved, with significant reduction in U.S. casualty exposure and strong reserve levels, including a 10% annual increase in initial loss picks.
Life & Health Re fully reviewed, with assumption updates and portfolio actions completed, especially in Australia, Israel, and South Korea; 2026 target increased to USD 1.7 billion.
Business actions in unsustainable markets include pausing new business and placing treaties in runoff to ensure long-term profitability.
Growth in Life & Health expected globally, with opportunities in mortality outside the U.S., longevity, and financial solutions, while maintaining a focus on in-force book management.
What 2025 net income enables 2026 buyback?
What is the Q4 earnings impact from L&H Re review?
What enables Swiss Re's AI transformation?
Quantify AI's loss ratio impact
What M&A size/type is Swiss Re targeting?
Provide specific data points for L&H stability
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Q4 202527 Feb, 2026
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Frequently asked questions
Swiss Re AG provides reinsurance, insurance, and risk transfer solutions to corporate and institutional clients. The company operates in property and casualty, life and health reinsurance, as well as specialty and alternative risk markets. It also engages in capital management and actuarial services. The company is headquartered in Zurich, Switzerland, and its shares are listed on the SIX.
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