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Sjóvá-Almennar tryggingar
Sjóvá-Almennar tryggingar (SJOVA) investor relations material
Sjóvá-Almennar tryggingar Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
9M 2026 net income was ISK 1,905.081m versus ISK 665.690m in 9M 2025; strong insurance operations were partly offset by investment performance below expectations.
9M insurance service result was ISK 2,444.636m, with a 90.8% combined ratio; there were no large claims during the period.
Financial highlights
Q3 insurance revenue was ISK 9,005m, down 0.3% YoY; insurance result was ISK 911m, down 2.7%.
Q3 investment result was ISK 472m, down 50.7% YoY; profit before tax was ISK 1,073m, down 27.6%, and net income was ISK 767.307m versus ISK 1,145.159m.
9M insurance service revenues were ISK 26,443.683m versus ISK 26,101.710m; net income was ISK 1,905.081m versus ISK 665.690m.
9M profit before tax was ISK 2,858.037m versus ISK 1,488.496m; investment result was ISK 962.736m versus ISK 168m.
9M investment result after insurance finance items was ISK 356.582m versus a loss of ISK 1,013m.
Outlook and guidance
FY 2026 insurance-result guidance rose to ISK 2,700–2,900m from ISK 1,800–2,500m; expected combined ratio was revised to ~92% from 93–95%.
Next-12-month guidance remained unchanged at an insurance result of ISK 1,800–2,500m and a combined ratio of 93–95%.
Home motor insurance price increases will be capped at the Central Bank’s 2.5% inflation target for the next 12 months; claims will remain compensated in line with price developments and contract terms.
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Latest events from Sjóvá-Almennar tryggingar
- H1 2026 net profit rose to ISK 1,138 million, with strong insurance and subdued investment returns.SJOVA
Q2 2026 - Q1 2026 saw a return to profit, improved claims ratio, and a strong solvency position.SJOVAQ1 2026
- 2025 net profit was ISK 2,066 million, with a 92.6% combined ratio and lower investment returns.SJOVAQ4 2025
- Profit for 9M 2025 fell to ISK 666 million, but insurance and solvency metrics improved.SJOVAQ3 2025
- Net loss for H1 2025 as strong insurance results were offset by weak investments and dividend payout.SJOVAQ2 2025
- Net profit dropped to ISK 1,429m as claims and costs rose, but combined ratio improved in Q3.SJOVAQ3 2024
- Net loss in H1 2024 as fire claims and weak investments offset revenue growth.SJOVAQ2 2024
- Net loss of ISK 540 million in Q1 2025 driven by negative investment returns.SJOVAQ1 2025
- 2024 profit reached ISK 4,241m with robust investment returns and strong solvency.SJOVAQ4 2024
Next Sjóvá-Almennar tryggingar earnings date
Q4 202611 Feb, 2027
Sjóvá-Almennar tryggingar
Next Sjóvá-Almennar tryggingar earnings date
Q4 202611 Feb, 2027
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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.