Sjóvá-Almennar tryggingar hf. (ICE:SJOVA)

Sjóvá-Almennar tryggingar Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	35,037	34,778	33,598	31,273	28,011	22,928
Total Interest & Dividend Income	203.96	203.96	236.21	549.1	1,285	509.88
Gain (Loss) on Sale of Investments	2,398	1,840	4,803	3,869	88.04	7,888
Other Revenue	-1,043	-1,427	-1,475	-736.59	280.97	241.6
Total Revenue	36,596	35,395	37,162	34,955	29,665	31,567
Revenue Growth (YoY)	1.51%	-4.75%	6.31%	17.83%	-6.02%	24.73%
Policy Benefits	25,665	25,375	25,699	23,456	20,717	16,307
Selling, General & Administrative	6,827	6,827	6,615	6,123	5,772	4,998
Other Operating Expenses	58.44	55.8	53.24	46	48.92	-99.08
Total Operating Expenses	32,551	32,258	32,368	29,625	26,538	21,206
Operating Income	4,045	3,137	4,794	5,330	3,127	10,361
Interest Expense	-	-	-	-	-67.51	-
Currency Exchange Gain (Loss)	-6.22	-6.22	41.28	82.44	10.87	-13.22
Other Non Operating Income (Expenses)	-90.87	-65.68	-67.04	-68.16	-	-
Pretax Income	3,949	3,065	4,768	5,344	3,070	10,347
Income Tax Expense	1,105	998.95	527.59	718.72	420.11	777.7
Net Income	2,844	2,066	4,241	4,626	2,650	9,570
Net Income to Common	2,844	2,066	4,241	4,626	2,650	9,570
Net Income Growth	-13.30%	-51.28%	-8.32%	74.53%	-72.30%	79.88%
Shares Outstanding (Basic)	1,154	1,157	1,157	1,166	1,192	1,303
Shares Outstanding (Diluted)	1,165	1,161	1,160	1,166	1,192	1,303
Shares Change (YoY)	0.58%	0.07%	-0.56%	-2.14%	-8.56%	-2.53%
EPS (Basic)	2.46	1.79	3.67	3.97	2.22	7.34
EPS (Diluted)	2.44	1.78	3.66	3.97	2.22	7.34
EPS Growth	-13.88%	-51.37%	-7.71%	78.34%	-69.71%	84.55%
Free Cash Flow	1,795	3,562	512.84	5,090	5,794	6,663
Free Cash Flow Per Share	1.54	3.07	0.44	4.36	4.86	5.11
Dividend Per Share	0.950	0.950	2.940	2.120	1.610	3.140
Dividend Growth	-67.69%	-67.69%	38.68%	31.68%	-48.73%	57.79%
Operating Margin	11.05%	8.86%	12.90%	15.25%	10.54%	32.82%
Profit Margin	7.77%	5.84%	11.41%	13.23%	8.93%	30.31%
Free Cash Flow Margin	4.91%	10.06%	1.38%	14.56%	19.53%	21.11%
EBITDA	4,128	3,219	4,868	5,390	3,190	10,426
EBITDA Margin	11.28%	9.09%	13.10%	15.42%	10.75%	33.03%
D&A For EBITDA	83.2	81.9	73.75	60.45	63.03	65.04
EBIT	4,045	3,137	4,794	5,330	3,127	10,361
EBIT Margin	11.05%	8.86%	12.90%	15.25%	10.54%	32.82%
Effective Tax Rate	27.98%	32.59%	11.06%	13.45%	13.68%	7.52%
Revenue as Reported	-	-	-	-	-	31,554

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.