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Sjóvá-Almennar tryggingar
Sjóvá-Almennar tryggingar (SJOVA) investor relations material
Sjóvá-Almennar tryggingar Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Net profit after tax for 2025 was ISK 2,066 million, with a combined ratio of 92.6%.
Profit from insurance contracts before tax was ISK 2,576 million; investment activities contributed ISK 448 million before tax.
Q4 2025 net profit after tax was ISK 1,400 million, with a combined ratio of 98.5%.
Strong core operations and favorable claims development, with only one major claim in 2025 compared to six in 2024.
Company recognized for customer satisfaction and workplace brand, with high employee satisfaction scores.
Financial highlights
Annual revenue from insurance contracts grew 3.5% year-over-year to ISK 34,778 million.
Claims expenses increased by 0.5% year-over-year; operating expenses rose 3.2%, mainly due to wage and IT development costs.
Profit from insurance contracts before tax doubled year-over-year to ISK 2,576 million.
Investment income for the year was ISK 2,449 million, down 55.3% year-over-year.
Net profit after tax for the year fell 51.3% year-over-year.
Q4 2025 investment income was ISK 1,983 million, down 37.4% from Q4 2024.
Outlook and guidance
2026 guidance: profit from insurance contracts expected between ISK 1,800–2,500 million, combined ratio 93–95%.
No guidance for investment income; long-term investment return target is 8.5% per year.
Negative impact of ISK 1,300 million expected from discounting insurance liabilities at current interest rates.
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Next Sjóvá-Almennar tryggingar earnings date
Q1 202630 Apr, 2026
Sjóvá-Almennar tryggingar
Next Sjóvá-Almennar tryggingar earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Sjóvá-Almennar tryggingar hf. is an Iceland-based insurance company offering a wide range of insurance products. For individuals, the company provides motor vehicle, family and home, life and critical illness, medical cost, life and health, and travel insurance. For businesses, it offers commercial insurance products such as fire and commercial property insurance, various liability insurances, operation interruption insurance, and specific insurances for vessels and cargo. The company is headquartered in Reykjavík, Iceland, and its shares are listed on the Iceland Stock Exchange.
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