Expert RA rating agency upgraded the financial reliability rating of Balance Insurance JSC to BBB+ on the international scale with a stable outlook. Previously, the company held a BBB- rating on the same scale.

The rating upgrade is driven by improvements in the operating environment, as well as growth in capital adequacy and business profitability indicators. At the end of 2025, the company ranked 31st in the Russian insurance market in terms of total premiums. The volume of insurance premiums reached 10.6 billion rubles, significantly exceeding the previous year's figure.

The agency highly assessed the quality of assets and the financial stability of the insurer. The company's equity capital at the end of 2025 reached 7.6 billion rubles — an increase of 357% year-on-year. The regulatory ratio of equity capital to accepted liabilities stood at 2.72, and liquidity indicators also remain at a high level.

Analysts noted consistently high profitability ratios: return on equity for 2025 was 116.9%, and return on sales was 52.5%. The company's client base remains well diversified: the share of the five largest clients in premiums does not exceed 19.1%.

It is worth recalling that Balance Insurance received a BBB- rating on the international scale in June 2025 — this was the company's first international rating.