Solid Forsakringsaktiebolag · OMXSTO:SFAB
Solid Forsakringsaktiebolag — Solid Försäkring — Q3 2026 Earnings Presentation
15 slides from Solid Forsakringsaktiebolag's earnings presentation, October 2026
Slide 1: Q3 2026 Presentation
Q3 2026 Presentation Solid Forsakring
Slide 2: Presenters: CEO and CFO
Marcus Tillberg Sofia Andersson Chief Executive Officer Chief Financial Officer 2
Slide 3: Highlights Q3
Highlights Q3 Strong development in the insurance business - increased profitability • Technical result increased vs LY and amounted to 40,0 MSEK (38,5). Excluding allocated investment return, technical result grew by +8 %. • Combined ratio improved to 86,8 % (87,6 %) due to improved profitability.
Slide 4: GWP development
GWP development Gross written premiums (MSEK) Segment split GWP +7% Geographical split GWP Q3 (Q3 LY) 350 1 000 100% 90% 300 263,4 263,8 740,3 751,3 800 80% 36% 35% 250 70% 600 60% 200 18% 20% 50% 150 400 40% 7% (9%) 6% (5%) 100 30% 44% 46% 200 20% 50 10% 78% (74%) 0 0 0% 2025 2026 2025 2026 2025 Q3
Slide 5: Assistance
Assistance Highlights Q3 Net earned premiums (MSEK) Gross profit (MSEK) - GWP decreased by -1 % vs LY. Excluding the 100 300 30 60 91,3 effects of the divestment of the Swiss branch, 264,1 263,7 90 83,6 51,6 GWP increased by +2 % vs LY, driven by higher 250 25 50 sales within travel insurance concep
Slide 6: Product
Product Highlights Q3 Net earned premiums (MSEK) Gross profit (MSEK) - GWP decreased by -10 % vs LY driven by lower 100 191,3 200 20 45 demand, primarily within home electronics. 40,8 90 180 18 40 - Sales related to eyewear increased during the 154,0 35,0 80 160 16 period by 4,1 MSEK vs LY. 35 70 14
Slide 7: Personal Safety
Personal Safety Highlights Q3 Net earned premiums (MSEK) Gross profit (MSEK) 200 400 40 120 - GWP increased by +6 % vs LY, driven by PPI in 364,1 346,8 the Swedish market. 180 350 35 33,7 97,6 31,1 100 - NEP increased by +5 % vs LY related to the 160 90,0 300 30 positive sales development within pay
Slide 8: NEP development
NEP development Net earned premiums (MSEK) Comments YTD 300 1 000 263,3 266,3 - Underlying growth* in NEP vs LY amounted to +4 %. 802,2 250 781,8 800 - NEP in Personal Safety increased by +5 % vs LY and underlying growth* amounted to +7 % mainly related to PPI in the 200 Swedish market. 600 - NEP in
Slide 9: Technical result & Combined ratio
Technical result & Combined ratio Technical result (MSEK) Combined ratio 100% 45 120 106,9 87,6% 89,3% 88,2% 40,0 86,8% 38,5 104,1 90% 40 Allocated investment 4,8 return 14,4 100 80% 35 5,9 18,1 25,4% 26,4% 25,4% Loss ratio 25,4% 70% 30 80 60% 25 Technical result, excluding Allocated 60 50% 20 inves
Slide 10: Asset management
Asset management Investment portfolio MSEK As per 2026-09-30 2025-09-30 2026-09-30 Cash (fixed rate) 2% Bonds and other interest-bearing Cash securites 860 774 22% Subordinated loans 179 190 Shares 102 123 Cash 183 315 Bonds and other Shares interest-bearing 9% securites Cash (fixed rate) 68 25 54%
Slide 11: Asset management
Asset management Result of asset management (MSEK) Result of asset management (MSEK) Total return (YTD) Q3-26 Q3 2025 Q3 2026 Q2-26 4,3% Q1-26 4,2% Total investment income 17,6 14,8 4,2% Q4-25 Q3-25 4,1% Investment charges -1,2 -0,6 Q2-25 4,0% Q1-25 3,9% Q4-24 Unrealised gains/losses on investment a
Slide 12: Profit before tax
Profit before tax (MSEK) 60 55,7 160 54,7 142,9 141,2 140 50 17,3 14,8 38,8 34,2 120 40 4,8 14,4 100 5,9 18,1 30 80 60 20 35,2 92,5 32,6 86,0 40 10 20 0 0 2025 2026 2025 2026 Q3 YTD Technical result, excluding Allocated investment return +8% +8% Profit before tax -2% -1% Technical result, excluding
Slide 13: Solvency capital requirement (SCR)
Solvency capital requirement (SCR) 199 % -4 pp SCR ratio +5 pp 1 200 220% Comments 203% 199% 1 100 194% 189% 189% 200% 1 000 - SCR ratio Q3 2026: Solvency ratio shows an increase +5 pp 900 180% of 5 pp in Q3 2026 ending up at 199%. 983 1 004 800 959 700 901 921 160% - Favourable growth of the SII Ca
Slide 14: Summary Q3
Summary Q3 • Strong development in the insurance business. • Technical result increased vs LY and amounted to 40,0 MSEK (38,5). Excluding allocated investment return, technical result grew by +8 %. • Increased profitability in all segments. • Underlying sales growth, gross written premiums increased
Slide 15: Thank you!
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