Scor Shs Prov Regpt (SZCRF) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon ladies and gentlemen and welcome to this Core Q3 2025 results conference call. Today's call is being recorded. There will be an opportunity to ask questions after the presentation. In order to give all participants a chance to ask questions, we kindly ask you to limit the number of your questions to two. At this time, I would like to hand the call over to Mr. Thomas Fossard. Please go ahead, sir. Good afternoon, and welcome to the SCORE Q3 2025 Results Conference Call. I'm joined today by Thierry Léger, Group CEO, and François de Varennes, Deputy CEO and Group CFO, as well by other COMEX members. Can I please ask you to consider the disclaimer on page two of the presentation? And now I would like to hand over to Thierry Léger. Thierry, over to you. Thank you, Thomas, and welcome everyone also from my side. I'm satisfied with where SCORE stands today. We had another strong quarter, especially in P&C, where our strategy of diversifying growth pays off. The investment side continues to contribute in a stable and positive way to our results, and last but not least, On the life and health side, we deliver one quarter more in line with the updated Forward 2026 plan. Also, we are ready for the renewals to come and very focused on the delivery of our plan. Our teams are close to our clients, leveraging our Tier 1 franchise. We offer tailored solutions that create value for our clients and shareholders. In a P&C context that has become gradually more competitive since 2024, I would like to take a few minutes to reflect on the broader insurance landscape and the opportunities for SCORE as we approach the 2026 renewals. Looking back, 2025 has been a good year for the P&C industry so far. And overall, 2026 is expected to remain a good vintage year by historical st...