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Investor Relations14 Oct 2025
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Sjóvá-Almennar tryggingar (SJOVA) investor relations material
Sjóvá-Almennar tryggingar Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net profit after tax of 60 m.kr. in Q2 2025, reversing a prior-year loss due to improved insurance operations and no large fire claims.
Net loss of ISK 479 million for the six months ended 30 June 2025, compared to a loss of ISK 13 million for the same period in 2024.
Insurance contract profit before tax was 690 m.kr. in Q2 2025; investment activities posted a pre-tax loss of 439 m.kr.
Strong core insurance operations with improved claims development and no major losses during the period.
New maternity insurance product launched, receiving positive market response.
Financial highlights
Q2 2025 revenue from insurance contracts grew 4.2% year-over-year; claims costs fell 6.9%.
Insurance service revenues for H1 2025 were ISK 17,067 million, up from ISK 16,426 million year-over-year.
Combined ratio improved to 91.1% for H1 2025 from 99.4% in H1 2024.
Investment portfolio return was -0.1% in Q2 2025; all asset classes except listed and unlisted equities were profitable.
Equity decreased to ISK 21,278 million from ISK 25,128 million at year-end 2024.
Outlook and guidance
2025 and next 12-month outlook unchanged: pre-tax insurance contract profit expected at 1,700–2,400 m.kr. and combined ratio around 93–95%.
Core insurance operations expected to remain strong, supported by favorable claims trends.
Explain the drivers behind the lower investment income.
How does the new pregnancy insurance perform?
What caused the decrease in equity ratio?
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Next Sjóvá-Almennar tryggingar earnings date
Q3 202523 Oct, 2025
Next Sjóvá-Almennar tryggingar earnings date
Q3 202523 Oct, 2025
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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
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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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