SCOR SE

Latest Results (06.09.2025):

SCOR SE has reported a strong financial performance in the second quarter of 2025, achieving a group net income of EUR 226 million. This robust result was driven by all business segments, highlighting the company's effective strategies and solid operational execution.

Net Income

SCOR SE achieved a group net income of EUR 226 million in Q2 2025, with an adjusted net income of EUR 225 million. This performance was supported by strong results across all business activities.

P&C Combined Ratio

The Property & Casualty (P&C) segment reported a combined ratio of 82.5% in Q2 2025, benefiting from a benign natural catastrophe environment and excellent attritional loss performance. This favorable ratio allows SCOR SE to build additional buffers for future prudence.

Life & Health Insurance

The Life & Health (L&H) segment delivered an insurance service result of EUR 118 million in Q2 2025. This was driven by strong Contractual Service Margin (CSM) amortization, risk adjustment releases, and experience variances in line with expectations.

Investments

SCOR SE's Investments segment recorded a regular income yield of 3.5% in Q2 2025, supported by continued attractive reinvestment rates despite elevated market conditions.

Economic Value and Solvency

The IFRS 17 Group Economic Value stood at EUR 8.5 billion as of June 30, 2025, marking a 10.5% increase at constant economics. Additionally, the estimated Group solvency ratio was 210%, positioning SCOR SE in the upper part of the optimal solvency range of 185%-220%.

Return on Equity

SCOR SE reported an annualized Return on Equity of 22.6% in Q2 2025, contributing to an annualized Return on Equity of 20.3% for the first half of 2025. These figures reflect the company's strong capital efficiency and profitability.