Türkiye Sigorta's Profit Increased by 63% in the 3rd Quarter.

Türkiye Sigorta Q3 2025 Profit Report

Türkiye Sigorta achieved a net profit of 5 billion TL, increasing it by 63% year-on-year in the third quarter of 2025. With this result, the company raised its total net profit for the first nine months of the year to 14.3 billion TL. The announced financial data reflects significant improvements in technical profitability as well as strong performance in investment activities, indicating a strong growth momentum.

Profitability Indicators and Growth

The composite ratio indicating the company's profitability decreased from 100% in the same period last year to 97.7%, remaining below the profitability threshold. Technical profit increased by 17.1% to 5.3 billion TL. The gross premium production reached 32.5 billion TL in the third quarter, marking a 46% year-on-year increase. Fire and natural disasters, general damages, health, and motor vehicle branches were among the areas that contributed the most. Notably, the health branch's share in total premium production increased by 500 basis points to 13%.

Investment Revenues and Portfolio Size

Although the periodic tax expense on net profit exerted limited pressure, the improvement in technical profit and the increase in investment income continue to support profitability. In the first nine months of the year, investment revenues increased by 64%. Excluding arbitrage transactions, the investment portfolio size reached 76 billion TL, growing by 52% year-on-year and providing a 42% return. The portfolio distribution consisted of 35% government bonds, 16% private sector bonds, and 12% TL deposits.

Market Share and Performance

Türkiye Sigorta strengthened its leadership position in the market. In the first nine months, premium production increased by 45% to 105.1 billion TL, with a market share of 14.4%. The highest contributions to premium production came from general damages and fire/natural disaster branches. These two branches produced a total of 55 billion TL in premiums. General damages accounted for 27.5%, while fire and natural disasters made up 24.8% of the total. The health insurance branch ranked third with a 12.8% share.

The motor vehicle branch recorded a year-on-year growth of 50% in premium production, while the share of compulsory traffic insurance in total premium production decreased by 3.2 percentage points to 11.4%. The company achieved growth rates of 122% in the health segment, 59% in agricultural insurance, 50% in the casco branch, and 32% in the fire/natural disaster segment.