Sjóvá-Almennar tryggingar Ratios and Metrics

Market cap in millions ISK. Fiscal year is January - December.

Millions ISK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 15, 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
Market Capitalization	48,559	50,534	55,516	46,403	39,123	48,169
Market Cap Growth	-12.89%	-8.97%	19.64%	18.61%	-18.78%	32.02%
Enterprise Value	47,733	50,659	53,636	44,251	38,757	47,966
PE Ratio	17.22	24.46	13.09	10.03	14.76	5.03
PS Ratio	1.33	1.43	1.49	1.33	1.32	1.53
PB Ratio	2.10	2.10	2.21	1.99	1.83	1.98
P/FCF Ratio	27.05	14.19	108.25	9.12	6.75	7.23
P/OCF Ratio	26.53	14.02	90.39	9.02	6.61	7.17
EV/Sales Ratio	1.31	1.43	1.44	1.27	1.31	1.52
EV/EBITDA Ratio	11.21	15.74	11.02	8.21	12.15	4.60
EV/EBIT Ratio	11.90	16.15	11.19	8.30	12.39	4.63
EV/FCF Ratio	26.59	14.22	104.59	8.69	6.69	7.20
Debt / Equity Ratio	0.05	0.05	0.05	0.06	0.06	0.05
Debt / EBITDA Ratio	0.29	0.37	0.26	0.24	0.40	0.13
Debt / FCF Ratio	0.68	0.35	2.56	0.26	0.23	0.20
Net Debt / Equity Ratio	-0.04	-0.02	-0.01	-0.10	0.01	0.01
Net Debt / EBITDA Ratio	-0.20	-0.16	-0.05	-0.42	0.05	0.02
Net Debt / FCF Ratio	-0.46	-0.14	-0.50	-0.44	0.03	0.03
Quick Ratio	0.59	0.44	0.47	0.20	0.08	0.26
Current Ratio	0.94	0.83	0.74	0.27	0.13	0.30
Asset Turnover	0.49	0.46	0.51	0.53	0.46	0.50
Return on Equity (ROE)	12.82%	8.41%	17.51%	20.72%	11.61%	41.88%
Return on Assets (ROA)	3.35%	2.57%	4.13%	5.09%	3.02%	10.19%
Return on Invested Capital (ROIC)	11.64%	8.18%	16.69%	19.49%	11.17%	40.50%
Earnings Yield	5.86%	4.09%	7.64%	9.97%	6.77%	19.87%
FCF Yield	3.70%	7.05%	0.92%	10.97%	14.81%	13.83%
Dividend Yield	2.27%	2.24%	6.68%	6.07%	5.83%	10.88%
Payout Ratio	38.81%	164.58%	57.82%	40.92%	143.47%	27.72%
Buyback Yield / Dilution	-0.85%	-0.07%	0.56%	2.14%	8.56%	2.53%
Total Shareholder Return	1.44%	2.17%	7.24%	8.21%	14.39%	13.41%