Sjóvá-Almennar tryggingar Cash Flow Statement

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	Mar '26 Mar 31, 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
Net Income	2,844	2,066	4,241	4,626	2,650	9,570
Depreciation & Amortization	245.79	244.48	222.56	196.7	190.14	172.34
Other Amortization	-	-	-	-	0.35	0.85
Gain (Loss) on Sale of Assets	0.14	0.14	-3.93	-0.02	-1.03	0.45
Gain (Loss) on Sale of Investments	-2,398	-1,840	-4,803	-3,869	-88.04	-7,888
Change in Accounts Receivable	-	-	-	-	-	-183.92
Reinsurance Recoverable	-876.18	-1,109	-225.01	-778.1	-171.32	333.77
Change in Accounts Payable	1,124	1,149	338.25	990.26	559.95	960.26
Change in Income Taxes	-30.34	-30.34	16.6	63.55	-	-
Change in Deferred Taxes	-	-	-	-	0.63	0.13
Change in Insurance Reserves / Liabilities	1,495	1,938	4,964	4,690	4,003	3,475
Change in Other Net Operating Assets	-3,255	-193.17	-5,398	-2,047	-1,812	-130.13
Other Operating Activities	2,682	1,380	1,261	1,274	583.77	407.04
Operating Cash Flow	1,831	3,605	614.17	5,147	5,916	6,718
Operating Cash Flow Growth	48.99%	487.04%	-88.07%	-13.00%	-11.94%	778.17%
Capital Expenditures	-35.19	-43.8	-101.34	-56.26	-121.82	-54.13
Sale of Property, Plant & Equipment	0.85	0.85	12.11	1.51	14.6	3.91
Investing Cash Flow	-36.54	-45.15	-91.7	-68.48	-107.22	-50.21
Total Debt Repaid	-152	-146.99	-128.61	-112.21	-166	-141.53
Net Debt Issued (Repaid)	-152	-146.99	-128.61	-112.21	-166	-141.53
Issuance of Common Stock	176.87	176.87	-	-	-	-
Repurchases of Common Stock	-	-	-	-743.48	-1,753	-3,942
Common Dividends Paid	-1,104	-3,400	-2,452	-1,893	-3,802	-2,652
Financing Cash Flow	-1,079	-3,370	-2,581	-2,748	-5,721	-6,736
Foreign Exchange Rate Adjustments	0.81	-3.69	26.15	80.89	6.84	3.19
Miscellaneous Cash Flow Adjustments	-0	-0	-	-	-	-
Net Cash Flow	716.06	186.09	-2,032	2,411	94.43	-65.33
Free Cash Flow	1,795	3,562	512.84	5,090	5,794	6,663
Free Cash Flow Growth	58.77%	594.49%	-89.92%	-12.14%	-13.05%	1038.45%
Free Cash Flow Margin	4.91%	10.06%	1.38%	14.56%	19.53%	21.11%
Free Cash Flow Per Share	1.54	3.07	0.44	4.36	4.86	5.11
Cash Income Tax Paid	529.35	529.35	640.2	429.33	799.59	604.2
Levered Free Cash Flow	-2,790	1,660	-17,060	4,311	3,062	10,158
Unlevered Free Cash Flow	-2,790	1,660	-17,060	4,311	3,105	10,158
Change in Working Capital	-1,543	1,754	-303.54	2,919	2,580	4,455

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