Stock SJOVA SJÓVÁ-ALMENNAR TRYGGINGAR HF.
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Financials Sjóvá-Almennar tryggingar hf.

Equities

SJOVA

IS0000024602

Property & Casualty Insurance

Market Closed - Nasdaq Iceland
Other stock markets
 07:22:47 2024-04-26 am EDT 		5-day change 1st Jan Change
38 ISK -0.52% Intraday chart for Sjóvá-Almennar tryggingar hf. -1.04% -5.00%
Apr. 19 Sjóvá-Almennar tryggingar hf. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 08 Sjóvá-Almennar tryggingar hf. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 19,338 25,610 36,488 48,169 39,123 46,403
Enterprise Value (EV) 1 18,025 25,045 35,616 48,396 39,275 44,144
P/E ratio 29.9 x 6.64 x 6.87 x 5.18 x 14.5 x 10.1 x
Yield 3.39% - 7.28% 8.26% 4.85% 5.3%
Capitalization / Revenue 1.07 x 1.09 x 1.44 x 1.53 x 1.41 x 1.33 x
EV / Revenue 0.99 x 1.06 x 1.41 x 1.53 x 1.42 x 1.26 x
EV / EBITDA 17.7 x 5.43 x 5.92 x 4.64 x 12.2 x 8.19 x
EV / FCF 105 x 4.87 x 6.08 x 4.76 x 13.3 x 10.4 x
FCF Yield 0.95% 20.5% 16.4% 21% 7.54% 9.64%
Price to Book 1.4 x 1.55 x 1.71 x 1.92 x 1.82 x 1.98 x
Nbr of stocks (in thousands) 1,396,212 1,369,502 1,334,106 1,267,617 1,178,393 1,160,070
Reference price 2 13.85 18.70 27.35 38.00 33.20 40.00
Announcement Date 2/15/19 2/13/20 2/11/21 2/10/22 2/9/23 2/29/24
1ISK in Million2ISK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 18,136 23,546 25,307 31,567 27,653 34,955
EBITDA 1 1,019 4,615 6,017 10,426 3,214 5,390
EBIT 1 945.1 4,411 5,927 10,361 3,151 5,330
Operating Margin 5.21% 18.73% 23.42% 32.82% 11.39% 15.25%
Earnings before Tax (EBT) 1 952.2 4,410 5,928 10,347 3,161 5,344
Net income 1 651.9 3,853 5,320 9,570 2,723 4,626
Net margin 3.59% 16.36% 21.02% 30.32% 9.85% 13.23%
EPS 2 0.4633 2.817 3.978 7.342 2.285 3.966
Free Cash Flow 1 172.1 5,143 5,854 10,158 2,962 4,255
FCF margin 0.95% 21.84% 23.13% 32.18% 10.71% 12.17%
FCF Conversion (EBITDA) 16.9% 111.43% 97.3% 97.43% 92.18% 78.93%
FCF Conversion (Net income) 26.4% 133.47% 110.04% 106.14% 108.78% 91.98%
Dividend per Share 2 0.4700 - 1.990 3.140 1.610 2.120
Announcement Date 2/15/19 2/13/20 2/11/21 2/10/22 2/9/23 2/29/24
1ISK in Million2ISK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - 226 152 -
Net Cash position 1 1,313 565 871 - - 2,259
Leverage (Debt/EBITDA) - - - 0.0217 x 0.0475 x -
Free Cash Flow 1 172 5,143 5,854 10,158 2,962 4,255
ROE (net income / shareholders' equity) 4.49% 25.6% 28.3% 41.9% 11.9% 20.7%
ROA (Net income/ Total Assets) 1.35% 5.79% 6.72% 10.2% 2.89% 5.09%
Assets 1 48,315 66,509 79,164 93,931 94,335 90,941
Book Value Per Share 2 9.900 12.10 16.00 19.80 18.30 20.20
Cash Flow per Share 2 0.9400 0.7200 0.8700 0.8900 1.010 3.110
Capex 1 40.9 44.1 180 54.1 122 70
Capex / Sales 0.23% 0.19% 0.71% 0.17% 0.44% 0.2%
Announcement Date 2/15/19 2/13/20 2/11/21 2/10/22 2/9/23 2/29/24
1ISK in Million2ISK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Property & Casualty Insurance

1st Jan change Capi.
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