Sjóvá-Almennar tryggingar Balance Sheet

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

Millions ISK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Investments in Debt Securities	42,944	41,837	34,422	32,001	32,331	29,073
Investments in Equity & Preferred Securities	17,792	19,193	18,961	18,814	18,276	14,022
Other Investments	319.96	1,546	884.8	438.72	228.82	687.3
Total Investments	61,056	62,576	54,267	51,254	50,836	43,783
Cash & Equivalents	1,149	1,568	3,600	1,189	1,095	1,160
Reinsurance Recoverable	2,106	2,041	1,816	1,038	935	1,269
Other Receivables	2,458	2,006	2,024	905.66	6,664	6,219
Separate Account Assets	5,248	5,493	5,564	5,218	6,062	5,305
Property, Plant & Equipment	1,681	1,765	1,790	1,807	1,770	768.63
Goodwill	243.58	243.58	243.58	243.58	243.58	243.58
Other Intangible Assets	-	-	-	-	0.35	1.2
Other Current Assets	-	-	-	-	247.9	509.23
Long-Term Deferred Tax Assets	-	-	-	27.3	2.39	2.52
Other Long-Term Assets	0	-	-	-	-	0
Total Assets	73,943	75,692	69,305	61,683	67,856	59,261
Accounts Payable	52.13	57.19	50.13	52.84	737.99	698.57
Accrued Expenses	-	-	-	-	596.28	476.06
Insurance & Annuity Liabilities	5,956	41,713	36,749	32,059	-	-
Unpaid Claims	36,477	-	-	-	23,514	21,123
Unearned Premiums	1,026	815.54	960.77	-	9,915	8,874
Reinsurance Payable	-	-	-	-	77.13	81.55
Current Portion of Leases	-	142.86	128.19	109.92	98.34	140.35
Current Income Taxes Payable	937.29	535.22	664.43	429.33	799.59	604.2
Long-Term Leases	1,274	1,171	1,213	1,232	1,223	148.56
Long-Term Deferred Tax Liabilities	38.25	52.84	36.25	-	-	-
Separate Account Liability	5,248	5,493	5,564	5,218	6,062	5,305
Other Current Liabilities	495.77	583.77	618.33	1,251	493.94	446.01
Other Long-Term Liabilities	-	-	-	0	0	-
Total Liabilities	51,506	50,564	45,984	40,351	43,518	37,898
Common Stock	1,157	1,157	1,157	1,178	1,228	1,334
Additional Paid-In Capital	-	-	-	254.73	2,275	6,111
Retained Earnings	17,052	18,983	17,569	15,554	14,114	13,186
Comprehensive Income & Other	4,228	4,989	4,596	4,345	6,723	732.84
Shareholders' Equity	22,437	25,128	23,321	21,332	24,339	21,364
Total Liabilities & Equity	73,943	75,692	69,305	61,683	67,856	59,261
Filing Date Shares Outstanding	1,157	1,157	1,157	1,178	1,228	1,334
Total Common Shares Outstanding	1,157	1,157	1,157	1,178	1,228	1,334
Total Debt	1,274	1,314	1,341	1,342	1,321	288.9
Net Cash (Debt)	-125.34	254.36	2,259	-152.5	-226.37	871.32
Net Cash Growth	-	-88.74%	-	-	-	54.32%
Net Cash Per Share	-0.11	0.22	1.94	-0.13	-0.17	0.65
Book Value Per Share	19.40	21.73	20.16	18.10	19.82	16.01
Tangible Book Value	22,194	24,885	23,078	21,088	24,095	21,119
Tangible Book Value Per Share	19.19	21.52	19.95	17.90	19.62	15.83
Machinery	-	942.64	868.71	817.42	727.54	680.41

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.