本季度信息
截至2025年9月30日，中国人民财产保险股份有限公司实现保险服务收入3859.21亿元人民币，同比增长5.9%。同期实现净利润402.68亿元人民币，同比增长50.5%。公告显示，经营活动产生的现金流量净额为345.62亿元人民币。
在成本方面，前三季度承保利润达到3148.65亿元人民币，同比增长130.7%；综合成本率为496.1%，较上年同期下降2.1个百分点。公司提到，通过强化销售费用精细化管理、优化费率投入并提升核保理赔效率，有效推动成本结构改善。
业务分项
报告期内，公司机动车险实现保险服务收入2276.32亿元人民币，同比增长3.7%；非机动车险实现保险服务收入1582.89亿元人民币，同比增长9.3%。从原保费收入细分来看，意外伤害及健康险同比增长8.4%，而农险出现小幅回落。公司表示，车险业务持续坚持内涵式发展，同时鼓励商业非车险的创新，带动整体业务稳步提升。
此外，受益于前三季度资本市场表现良好，加之公司适度增配了优质权益类资产，总投资收益达5359.00亿元人民币，总投资收益率为5.4%，较去年同期上升0.8个百分点。
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