)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Sjóvá-Almennar tryggingar (SJOVA) investor relations material
Sjóvá-Almennar tryggingar Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net profit after tax for Q3 2025 was ISK 1,145 million, with ISK 936 million profit from insurance contracts and ISK 552 million from investment activities before tax.
Net profit for the first nine months was ISK 666 million, with a combined ratio of 90.6% year-to-date, reflecting strong core operations and favorable claims development, with no major losses during the period.
Third quarter net profit was ISK 1,145 million, down from ISK 1,441 million in Q3 2024, with a combined ratio of 89.6%.
Insurance contract profit before tax for 9M 2025 was ISK 2,447 million, up from ISK 970 million year-over-year.
Strong market position maintained, with high customer and employee satisfaction and continued recognition for exemplary governance.
Financial highlights
Q3 2025 insurance contract revenues grew 3.7% year-over-year to ISK 9,034 million; claims costs rose 1.6%.
Q3 2025 investment income was ISK 1,063 million, down 21.2% year-over-year; investment profit before tax was ISK 958 million, down 23.5%.
Nine-month 2025 insurance contract revenues increased 3.8% year-over-year to ISK 26,102 million; claims costs fell 3.3%.
Investment activities posted a pre-tax loss of ISK 1,013 million for 9M 2025, compared to a profit of ISK 757 million in 9M 2024, mainly due to negative performance in listed equities.
Total assets at the end of Q3 2025 were ISK 73.9 billion, with total equity of ISK 22.4 billion.
Outlook and guidance
2025 full-year profit from insurance contracts expected at ISK 2,500–2,700 million, with a combined ratio of 92–93%.
Next 12 months' pre-tax profit from insurance contracts forecast at ISK 1,900–2,600 million, combined ratio 93–95%.
Long-term investment return is projected at 8.5% annually, based on current interest rates and investment policy.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Sjóvá-Almennar tryggingar earnings date
Q4 202512 Feb, 2026
Next Sjóvá-Almennar tryggingar earnings date
Q4 202512 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage