Sjóvá-Almennar tryggingar Income Statement

Financials in millions ISK. Fiscal year is January - December.

Millions ISK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	34,778	33,598	31,273	28,011	22,928
Total Interest & Dividend Income	203.96	236.21	549.1	1,285	509.88
Gain (Loss) on Sale of Investments	1,840	4,803	3,869	88.04	7,888
Other Revenue	-1,427	-1,475	-736.59	280.97	241.6
Total Revenue	35,395	37,162	34,955	29,665	31,567
Revenue Growth (YoY)	-4.75%	6.31%	17.83%	-6.02%	24.73%
Policy Benefits	25,375	25,699	23,456	20,717	16,307
Selling, General & Administrative	6,827	6,615	6,123	5,772	4,998
Other Operating Expenses	55.8	53.24	46	48.92	-99.08
Total Operating Expenses	32,258	32,368	29,625	26,538	21,206
Operating Income	3,137	4,794	5,330	3,127	10,361
Interest Expense	-	-	-	-67.51	-
Currency Exchange Gain (Loss)	-6.22	41.28	82.44	10.87	-13.22
Other Non Operating Income (Expenses)	-65.68	-67.04	-68.16	-	-
Pretax Income	3,065	4,768	5,344	3,070	10,347
Income Tax Expense	998.95	527.59	718.72	420.11	777.7
Net Income	2,066	4,241	4,626	2,650	9,570
Net Income to Common	2,066	4,241	4,626	2,650	9,570
Net Income Growth	-51.28%	-8.32%	74.53%	-72.30%	79.88%
Shares Outstanding (Basic)	1,157	1,157	1,166	1,192	1,303
Shares Outstanding (Diluted)	1,161	1,160	1,166	1,192	1,303
Shares Change (YoY)	0.07%	-0.56%	-2.14%	-8.56%	-2.53%
EPS (Basic)	1.79	3.67	3.97	2.22	7.34
EPS (Diluted)	1.78	3.66	3.97	2.22	7.34
EPS Growth	-51.37%	-7.71%	78.34%	-69.71%	84.55%
Free Cash Flow	3,562	512.84	5,090	5,794	6,663
Free Cash Flow Per Share	3.07	0.44	4.36	4.86	5.11
Dividend Per Share	0.950	2.940	2.120	1.610	3.140
Dividend Growth	-67.69%	38.68%	31.68%	-48.73%	57.79%
Operating Margin	8.86%	12.90%	15.25%	10.54%	32.82%
Profit Margin	5.84%	11.41%	13.23%	8.93%	30.31%
Free Cash Flow Margin	10.06%	1.38%	14.56%	19.53%	21.11%
EBITDA	3,219	4,868	5,390	3,190	10,426
EBITDA Margin	9.09%	13.10%	15.42%	10.75%	33.03%
D&A For EBITDA	81.9	73.75	60.45	63.03	65.04
EBIT	3,137	4,794	5,330	3,127	10,361
EBIT Margin	8.86%	12.90%	15.25%	10.54%	32.82%
Effective Tax Rate	32.59%	11.06%	13.45%	13.68%	7.52%
Revenue as Reported	-	-	-	-	31,554

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.