Sjóvá-Almennar tryggingar hf. (ICE:SJOVA)
Iceland · Delayed Price · Currency is ISK 44.20
+0.20 (0.45%)
Oct 28, 2026, 3:00 PM GMT
Sjóvá-Almennar tryggingar Financials Overview
Financials in millions ISK. Fiscal year is January - December.
Millions ISK. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | 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 |
Revenue Revenue Growth | 37,132 | 35,395 | 37,162 | 34,955 | 29,665 | 31,567 |
Revenue Growth | 2.07% | -4.75% | 6.31% | 17.83% | -6.02% | 24.73% |
Operating Income Operating Income Growth | 4,492 | 3,137 | 4,794 | 5,330 | 3,127 | 10,361 |
Net Income Net Income Growth | 3,306 | 2,066 | 4,241 | 4,626 | 2,650 | 9,570 |
Earnings Per Share EPS Growth | 2.85 | 1.78 | 3.66 | 3.97 | 2.22 | 7.34 |
EPS Growth | -4.28% | -51.37% | -7.71% | 78.34% | -69.71% | 84.55% |
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 |
Unallocated Other Revenues Unallocated Other Revenues Growth | 162.42 | 170.46 | 157.28 | 138.37 | - |
Investment Activities Investment Activities Growth | 447.99 | 3,435 | 3,606 | 1,526 | 8,161 |
Life Insurance Operations Life Insurance Operations Growth | 3,608 | 3,403 | 3,093 | 2,724 | 2,225 |
Unallocated Other Operating Expenses Unallocated Other Operating Expenses Growth | -55.8 | -53.24 | - | - | - |
Property and Casualty Insurance - Workers' Compens. Insurance Property and Casualty Insurance - Workers' Compens. Insurance Growth | 1,036 | 1,145 | 1,129 | 1,042 | - |
Property and Casualty Insurance - Marine Insurance Property and Casualty Insurance - Marine Insurance Growth | 1,011 | 1,056 | 943.5 | 960.45 | - |
Property and Casualty Insurance - Compuslory Motor Insurance Property and Casualty Insurance - Compuslory Motor Insurance Growth | 12,249 | 11,813 | 11,026 | 10,047 | - |
Property and Casualty Insurance - Other Motor Insurance Property and Casualty Insurance - Other Motor Insurance Growth | 6,225 | 5,920 | 5,389 | 4,754 | - |
Property and Casualty Insurance - Income Protection Insurance Property and Casualty Insurance - Income Protection Insurance Growth | 1,543 | 1,366 | 1,230 | 1,079 | - |
Property and Casualty Insurance - General Liability Insurance Property and Casualty Insurance - General Liability Insurance Growth | 1,894 | 1,865 | 1,775 | 1,622 | - |
Property and Casualty Insurance - Property Insurance Property and Casualty Insurance - Property Insurance Growth | 7,173 | 6,989 | 6,647 | 5,752 | - |
Property and Casualty Insurance - Medical Expense Insurance Property and Casualty Insurance - Medical Expense Insurance Growth | - | 40.98 | 40.36 | 30.41 | - |
Total Total Growth | 35,293 | 37,150 | 35,037 | 29,676 | 31,554 |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash & Investments Cash & Investments Growth | 2,007 | 1,754 | 1,568 | 3,600 | 1,189 | 1,095 |
Total Debt Total Debt Growth | 1,177 | 1,250 | 1,314 | 1,341 | 1,342 | 1,321 |
Net Cash (Debt) Net Cash Growth | 829.67 | 504.21 | 254.36 | 2,259 | -152.5 | -226.37 |
Net Cash Growth | - | 98.22% | -88.74% | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | 0.72 | 0.43 | 0.22 | 1.94 | -0.13 | -0.17 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | 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 |
Operating Cash Flow Operating Cash Flow Growth | 2,305 | 3,605 | 614.17 | 5,147 | 5,916 | 6,718 |
Capital Expenditures CapEx Growth | -35.98 | -43.8 | -101.34 | -56.26 | -121.82 | -54.13 |
Free Cash Flow Free Cash Flow Growth | 2,269 | 3,562 | 512.84 | 5,090 | 5,794 | 6,663 |
Free Cash Flow Growth | 53.08% | 594.49% | -89.92% | -12.14% | -13.05% | 1038.45% |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | 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 |
Operating Margin | 12.10% | 8.86% | 12.90% | 15.25% | 10.54% | 32.82% |
Pretax Margin | 11.94% | 8.66% | 12.83% | 15.29% | 10.35% | 32.78% |
Profit Margin | 8.90% | 5.84% | 11.41% | 13.23% | 8.93% | 30.31% |
FCF Margin | 6.11% | 10.06% | 1.38% | 14.56% | 19.53% | 21.11% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 29, 2026 | 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 |
Dividend Per Share Dividend Per Share Growth | 0.950 | 0.950 | 2.940 | 2.120 | 1.610 | 3.140 |
Dividend Per Share Growth | -67.69% | -67.69% | 38.68% | 31.68% | -48.73% | 57.79% |
Dividend Yield | 2.15% | 2.18% | 6.13% | 5.28% | 4.85% | 8.00% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 29, 2026 | 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 |
PE Ratio | 15.48 | 24.46 | 13.09 | 10.03 | 14.76 | 5.03 |
P/FCF Ratio | 22.45 | 14.19 | 108.25 | 9.12 | 6.75 | 7.23 |
PS Ratio | 1.37 | 1.43 | 1.49 | 1.33 | 1.32 | 1.53 |