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 Cash Flow Statement
Financials in millions ISK. Fiscal year is January - December.
Millions ISK. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 3,306 | 2,066 | 4,241 | 4,626 | 2,650 | 9,570 |
Depreciation & Amortization | 248.81 | 244.48 | 222.56 | 196.7 | 190.14 | 172.34 |
Other Amortization | - | - | - | - | 0.35 | 0.85 |
Gain (Loss) on Sale of Assets | - | 0.14 | -3.93 | -0.02 | -1.03 | 0.45 |
Gain (Loss) on Sale of Investments | -2,598 | -1,840 | -4,803 | -3,869 | -88.04 | -7,888 |
Change in Accounts Receivable | - | - | - | - | - | -183.92 |
Reinsurance Recoverable | -943.37 | -1,109 | -225.01 | -778.1 | -171.32 | 333.77 |
Change in Accounts Payable | 711.65 | 1,149 | 338.25 | 990.26 | 559.95 | 960.26 |
Change in Income Taxes | -1.34 | -30.34 | 16.6 | 63.55 | - | - |
Change in Deferred Taxes | - | - | - | - | 0.63 | 0.13 |
Change in Insurance Reserves / Liabilities | 1,811 | 1,938 | 4,964 | 4,690 | 4,003 | 3,475 |
Change in Other Net Operating Assets | -3,879 | -193.17 | -5,398 | -2,047 | -1,812 | -130.13 |
Other Operating Activities | 3,650 | 1,380 | 1,261 | 1,274 | 583.77 | 407.04 |
Operating Cash Flow | 2,305 | 3,605 | 614.17 | 5,147 | 5,916 | 6,718 |
Operating Cash Flow Growth | 51.92% | 487.04% | -88.07% | -13.00% | -11.94% | 778.17% |
Investing Activities
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 |
Capital Expenditures | -35.98 | -43.8 | -101.34 | -56.26 | -121.82 | -54.13 |
Sale of Property, Plant & Equipment | - | 0.85 | 12.11 | 1.51 | 14.6 | 3.91 |
Investing Cash Flow | -38.18 | -45.15 | -91.7 | -68.48 | -107.22 | -50.21 |
Financing Activities
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 |
Total Debt Repaid | -160.12 | -146.99 | -128.61 | -112.21 | -166 | -141.53 |
Lease Payments | -160.12 | -146.99 | -128.61 | -112.21 | -166 | -141.53 |
Net Debt Issued (Repaid) | -160.12 | -146.99 | -128.61 | -112.21 | -166 | -141.53 |
Issuance of Common Stock | 176.87 | 176.87 | - | - | - | - |
Repurchases of Common Stock | -318.62 | - | - | -743.48 | -1,753 | -3,942 |
Common Dividends Paid | -1,104 | -3,400 | -2,452 | -1,893 | -3,802 | -2,652 |
Financing Cash Flow | -1,405 | -3,370 | -2,581 | -2,748 | -5,721 | -6,736 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -3.57 | -3.69 | 26.15 | 80.89 | 6.84 | 3.19 |
Miscellaneous Cash Flow Adjustments | -0 | -0 | - | - | - | - |
Net Cash Flow | 858.03 | 186.09 | -2,032 | 2,411 | 94.43 | -65.33 |
Free Cash Flow
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 |
Free Cash Flow | 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% |
Free Cash Flow Margin | 6.11% | 10.06% | 1.38% | 14.56% | 19.53% | 21.11% |
Free Cash Flow Per Share | 1.96 | 3.07 | 0.44 | 4.36 | 4.86 | 5.11 |
Levered Free Cash Flow | -39,133 | 1,660 | -17,060 | 4,311 | 3,062 | 10,158 |
Unlevered Free Cash Flow | -39,133 | 1,660 | -17,060 | 4,311 | 3,105 | 10,158 |
Free Cash Flow After Leases | 2,109 | 3,415 | 384.23 | 4,978 | 5,628 | 6,522 |
Additional Metrics
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 |
Cash Income Tax Paid | 94.02 | 529.35 | 640.2 | 429.33 | 799.59 | 604.2 |
Change in Working Capital | -2,301 | 1,754 | -303.54 | 2,919 | 2,580 | 4,455 |