25 XP 0   0   10  
0coffee
Main menu
3rd party ad coffee SUPPORTERis ad-free.

SJOVA (Sjóvá-Almennar tryggingar hf) Stock Analysis
Buy, Hold or Sell?

Let's analyze Sjóvá-Almennar tryggingar hf together

I guess you are interested in Sjóvá-Almennar tryggingar hf. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Sjóvá-Almennar tryggingar hf’s Financial Insights
  • 📈 Technical Analysis (TA) – Sjóvá-Almennar tryggingar hf’s Price Targets

I'm going to help you getting a better view of Sjóvá-Almennar tryggingar hf. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

Get notifications about Sjóvá-Almennar tryggingar hf

I send you an email if I find something interesting about Sjóvá-Almennar tryggingar hf.

1. Quick Overview

1.1. Quick analysis of Sjóvá-Almennar tryggingar hf (30 sec.)










1.2. What can you expect buying and holding a share of Sjóvá-Almennar tryggingar hf? (30 sec.)

How much money do you get?

How much money do you get?
kr0.02
When do you have the money?
1 year
How often do you get paid?
51.3%

What is your share worth?

Current worth
kr13.77
Expected worth in 1 year
kr13.71
How sure are you?
79.5%

+ What do you gain per year?

Total Gains per Share
kr2.15
Return On Investment
4.6%

For what price can you sell your share?

Current Price per Share
kr46.40
Expected price per share
kr46.00 - kr50.50
How sure are you?
50%
3rd party ad coffee SUPPORTERis ad-free.

2. Detailed Analysis

2.1. Valuation of Sjóvá-Almennar tryggingar hf (5 min.)




Live pricePrice per Share (EOD)
kr46.40
Intrinsic Value Per Share
kr-25.67 - kr-31.88
Total Value Per Share
kr-11.90 - kr-18.11

2.2. Growth of Sjóvá-Almennar tryggingar hf (5 min.)




Is Sjóvá-Almennar tryggingar hf growing?

Current yearPrevious yearGrowGrow %
How rich?$173.8m$174.8m$8.5m4.7%

How much money is Sjóvá-Almennar tryggingar hf making?

Current yearPrevious yearGrowGrow %
Making money$6.7m$9m-$2.3m-34.5%
Net Profit Margin6.9%11.4%--

How much money comes from the company's main activities?

2.3. Financial Health of Sjóvá-Almennar tryggingar hf (5 min.)




3rd party ad coffee SUPPORTERis ad-free.

3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Sjóvá-Almennar tryggingar hf?

Welcome investor! Sjóvá-Almennar tryggingar hf's management wants to use your money to grow the business. In return you get a share of Sjóvá-Almennar tryggingar hf.

First you should know what it really means to hold a share of Sjóvá-Almennar tryggingar hf. And how you can make/lose money.

Speculation

The Price per Share of Sjóvá-Almennar tryggingar hf is kr46.40. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Sjóvá-Almennar tryggingar hf.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Sjóvá-Almennar tryggingar hf, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is kr13.77. Based on the TTM, the Book Value Change Per Share is kr-0.01 per quarter. Based on the YOY, the Book Value Change Per Share is kr0.25 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is kr0.55 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Sjóvá-Almennar tryggingar hf.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 kr% of Price per Sharekr% of Price per Sharekr% of Price per Sharekr% of Price per Sharekr% of Price per Sharekr% of Price per Share
Usd Eps0.000.0%0.000.0%0.010.0%0.000.0%0.010.0%0.000.0%
Usd Book Value Change Per Share-0.020.0%0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Dividend Per Share0.020.0%0.000.0%0.000.0%0.000.0%0.010.0%0.010.0%
Usd Total Gains Per Share0.000.0%0.000.0%0.010.0%0.000.0%0.010.0%0.010.0%
Usd Price Per Share0.38-0.35-0.30-0.31-0.28-0.20-
Price to Earnings Ratio-32.68--12.00--34.41--34.52--18.16--6.19-
Price-to-Total Gains Ratio-134.53--49.00-12.07--56.05--20.47--3.30-
Price to Book Ratio3.33-2.96-2.63-2.71-2.49-1.99-
Price-to-Total Gains Ratio-134.53--49.00-12.07--56.05--20.47--3.30-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.38048
Number of shares2628
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.01
Usd Book Value Change Per Share0.000.00
Usd Total Gains Per Share0.000.01
Gains per Quarter (2628 shares)11.5927.40
Gains per Year (2628 shares)46.36109.59
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
148-1369416100
295-28218831210
3143-412828247320
4190-517437563430
5238-622046979540
6285-726656394650
7333-9312657110760
8381-10358751126870
9428-11404845142980
10476-124509381571090

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share2.02.00.050.0%7.05.00.058.3%15.05.00.075.0%31.08.00.079.5%37.08.00.082.2%
Book Value Change Per Share2.02.00.050.0%5.07.00.041.7%10.010.00.050.0%22.017.00.056.4%26.018.01.057.8%
Dividend per Share1.00.03.025.0%3.00.09.025.0%11.00.09.055.0%20.00.019.051.3%20.00.025.044.4%
Total Gains per Share2.02.00.050.0%7.05.00.058.3%15.05.00.075.0%31.08.00.079.5%35.09.01.077.8%
3rd party ad coffee SUPPORTERis ad-free.

3.2. Key Performance Indicators

The key performance indicators of Sjóvá-Almennar tryggingar hf compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share---2.548-0.014-99%0.247-1130%0.020-12779%0.183-1495%0.113-2362%
Book Value Per Share--13.76714.525-5%13.8130%13.840-1%13.853-1%11.974+15%
Current Ratio----0%0.030-100%0.082-100%0.169-100%0.193-100%
Debt To Asset Ratio--0.7100.693+2%0.684+4%0.691+3%0.681+4%0.673+5%
Debt To Equity Ratio--2.4462.270+8%2.168+13%2.245+9%2.152+14%2.085+17%
Dividend Per Share--2.2080.552+300%0.398+455%0.418+428%1.089+103%0.745+197%
Enterprise Value--18676142068.80015627579501.200+20%9947215460.500+88%10168733965.633+84%7806824230.740+139%702832445.619+2557%
Eps---0.3500.532-166%0.715-149%0.503-170%0.834-142%0.603-158%
Ev To Sales Ratio--0.6480.438+48%0.282+130%0.292+122%0.222+192%-0.063+110%
Free Cash Flow Per Share--2.0820.183+1037%0.927+125%0.539+286%0.697+199%0.574+262%
Free Cash Flow To Equity Per Share--2.0820.183+1037%0.879+137%0.446+367%0.270+672%0.162+1189%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---31.877----------
Intrinsic Value_10Y_min---25.668----------
Intrinsic Value_1Y_max--1.384----------
Intrinsic Value_1Y_min--1.362----------
Intrinsic Value_3Y_max--0.669----------
Intrinsic Value_3Y_min--0.709----------
Intrinsic Value_5Y_max---4.252----------
Intrinsic Value_5Y_min---3.646----------
Market Cap71465277030.400+1%70541157068.80066151587251.200+7%56049731710.500+26%57944500215.633+22%53504030180.740+32%38348503588.039+84%
Net Profit Margin---0.0750.069-209%0.114-166%0.084-189%0.160-147%0.133-156%
Operating Margin----0%0.003-100%0.027-100%0.137-100%0.103-100%
Operating Ratio--1.0420.915+14%0.863+21%0.899+16%0.819+27%0.932+12%
Pb Ratio3.370+1%3.3272.958+12%2.627+27%2.709+23%2.493+33%1.987+67%
Pe Ratio-33.109-1%-32.681-12.000-63%-34.412+5%-34.515+6%-18.157-44%-6.190-81%
Price Per Share46.400+1%45.80042.950+7%36.300+26%37.567+22%34.700+32%24.879+84%
Price To Free Cash Flow Ratio5.572+1%5.50014.486-62%23.581-77%13.621-60%30.444-82%20.298-73%
Price To Total Gains Ratio-136.293-1%-134.530-48.999-64%12.068-1215%-56.054-58%-20.472-85%-3.302-98%
Quick Ratio----0%0.010-100%0.057-100%0.119-100%0.139-100%
Return On Assets---0.0070.011-168%0.016-146%0.012-162%0.020-137%0.016-146%
Return On Equity---0.0250.033-178%0.050-151%0.037-170%0.060-142%0.048-153%
Total Gains Per Share---0.3400.538-163%0.645-153%0.438-178%1.271-127%0.857-140%
Usd Book Value--173867486.400183450213.450-5%174896914.400-1%175050779.883-1%175138384.310-1%151321311.174+15%
Usd Book Value Change Per Share---0.0210.000-99%0.002-1130%0.000-12779%0.001-1495%0.001-2362%
Usd Book Value Per Share--0.1130.119-5%0.1130%0.113-1%0.114-1%0.098+15%
Usd Dividend Per Share--0.0180.005+300%0.003+455%0.003+428%0.009+103%0.006+197%
Usd Enterprise Value--153144364.964128146151.910+20%81567166.776+88%83383618.518+84%64015958.692+139%5763226.054+2557%
Usd Eps---0.0030.004-166%0.006-149%0.004-170%0.007-142%0.005-158%
Usd Free Cash Flow--26294735.0002312984.250+1037%11728650.650+124%6827773.050+285%8811187.410+198%6145805.805+328%
Usd Free Cash Flow Per Share--0.0170.002+1037%0.008+125%0.004+286%0.006+199%0.005+262%
Usd Free Cash Flow To Equity Per Share--0.0170.002+1037%0.007+137%0.004+367%0.002+672%0.001+1189%
Usd Market Cap586015271.649+1%578437487.964542443015.460+7%459607800.026+26%475144901.768+22%438733047.482+32%314457729.422+84%
Usd Price Per Share0.380+1%0.3760.352+7%0.298+26%0.308+22%0.285+32%0.204+84%
Usd Profit---4424900.4006724049.200-166%9043175.250-149%6830575.400-165%10826362.830-141%7764848.708-157%
Usd Revenue--59041426.80073471126.700-20%71902640.950-18%68546395.983-14%65152708.860-9%52708995.092+12%
Usd Total Gains Per Share---0.0030.004-163%0.005-153%0.004-178%0.010-127%0.007-140%
 EOD+4 -4MRQTTM+15 -20YOY+14 -243Y+14 -245Y+15 -2310Y+19 -19

3.3 Fundamental Score

Let's check the fundamental score of Sjóvá-Almennar tryggingar hf based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-33.109
Price to Book Ratio (EOD)Between0-13.370
Net Profit Margin (MRQ)Greater than0-0.075
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.710
Debt to Equity Ratio (MRQ)Less than12.446
Return on Equity (MRQ)Greater than0.15-0.025
Return on Assets (MRQ)Greater than0.05-0.007
Total1/10 (10.0%)

3.4 Technical Score

Let's check the technical score of Sjóvá-Almennar tryggingar hf based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5044.337
Ma 20Greater thanMa 5046.620
Ma 50Greater thanMa 10047.107
Ma 100Greater thanMa 20046.974
OpenGreater thanClose46.400
Total2/5 (40.0%)

4. In-depth Analysis

4.1 About Sjóvá-Almennar tryggingar hf

Sjóvá-Almennar tryggingar hf. operates as an insurance company in Iceland. The company offers motor vehicle, family and home, life and critical illness, and medical cost insurance products for individuals. It also provides commercial insurance products, such as fire and commercial property insurance; public and product liability, employer's liability, directors and officers liability, professional indemnity, and commercial liability insurance; operation interruption insurance; vessel crew, hull and machinery, and catch and fishing gear/tackle insurance; vessel cargo, transport cargo, and purse seine insurance; baggage, sickness and accidents on travelling, and cancelation insurance; and insurance products for employees and leaders. The company is based in Reykjavík, Iceland. Sjóvá-Almennar tryggingar hf. was founded in 1918 and is a subsidiary of SF1 slhf.

Fundamental data was last updated by Penke on 2025-07-02 18:23:06.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just not able to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is cheap.
3rd party ad coffee SUPPORTERis ad-free.

4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Sjóvá-Almennar tryggingar hf earns for each kr1 of revenue.

  • Above 10% is considered healthy but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • A Net Profit Margin of -7.5% means that kr-0.07 for each kr1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is -7.5%. The company is making a loss. -1
  • The TTM is 6.9%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ-7.5%TTM6.9%-14.4%
TTM6.9%YOY11.4%-4.5%
TTM6.9%5Y16.0%-9.2%
5Y16.0%10Y13.3%+2.7%
4.3.1.2. Return on Assets

Shows how efficient Sjóvá-Almennar tryggingar hf is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • -0.7% Return on Assets means that Sjóvá-Almennar tryggingar hf generated kr-0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is -0.7%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is 1.1%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ-0.7%TTM1.1%-1.8%
TTM1.1%YOY1.6%-0.5%
TTM1.1%5Y2.0%-0.9%
5Y2.0%10Y1.6%+0.4%
4.3.1.3. Return on Equity

Shows how efficient Sjóvá-Almennar tryggingar hf is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • -2.5% Return on Equity means Sjóvá-Almennar tryggingar hf generated kr-0.03 for each kr1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is -2.5%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is 3.3%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ-2.5%TTM3.3%-5.8%
TTM3.3%YOY5.0%-1.7%
TTM3.3%5Y6.0%-2.7%
5Y6.0%10Y4.8%+1.2%
3rd party ad coffee SUPPORTERis ad-free.

4.3.2. Operating Efficiency of Sjóvá-Almennar tryggingar hf.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Sjóvá-Almennar tryggingar hf is operating .

  • Measures how much profit Sjóvá-Almennar tryggingar hf makes for each kr1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • An Operating Margin of 0.0% means the company generated kr0.00  for each kr1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY0.3%-0.3%
TTM-5Y13.7%-13.7%
5Y13.7%10Y10.3%+3.3%
4.3.2.2. Operating Ratio

Measures how efficient Sjóvá-Almennar tryggingar hf is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance - Property & Casualty industry mean).
  • An Operation Ratio of 1.04 means that the operating costs are kr1.04 for each kr1 in net sales.

Let's take a look of the Operating Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is 1.042. The company is inefficient in keeping operating costs low. -1
  • The TTM is 0.915. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ1.042TTM0.915+0.128
TTM0.915YOY0.863+0.051
TTM0.9155Y0.819+0.095
5Y0.81910Y0.932-0.113
3rd party ad coffee SUPPORTERis ad-free.

4.4.3. Liquidity of Sjóvá-Almennar tryggingar hf.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Sjóvá-Almennar tryggingar hf is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance - Property & Casualty industry mean).
  • A Current Ratio of 0.00 means the company has kr0.00 in assets for each kr1 in short-term debts.

Let's take a look of the Current Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.030-0.030
TTM-5Y0.169-0.169
5Y0.16910Y0.193-0.024
4.4.3.2. Quick Ratio

Measures if Sjóvá-Almennar tryggingar hf is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • A Quick Ratio of 0.00 means the company can pay off kr0.00 for each kr1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.010-0.010
TTM-5Y0.119-0.119
5Y0.11910Y0.139-0.020
3rd party ad coffee SUPPORTERis ad-free.

4.5.4. Solvency of Sjóvá-Almennar tryggingar hf.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Sjóvá-Almennar tryggingar hf assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Sjóvá-Almennar tryggingar hf to Insurance - Property & Casualty industry mean.
  • A Debt to Asset Ratio of 0.71 means that Sjóvá-Almennar tryggingar hf assets are financed with 71.0% credit (debt) and the remaining percentage (100% - 71.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is 0.710. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.693. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.710TTM0.693+0.016
TTM0.693YOY0.684+0.010
TTM0.6935Y0.681+0.012
5Y0.68110Y0.673+0.008
4.5.4.2. Debt to Equity Ratio

Measures if Sjóvá-Almennar tryggingar hf is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • A Debt to Equity ratio of 244.6% means that company has kr2.45 debt for each kr1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The MRQ is 2.446. The company is just not able to pay all its debts with equity.
  • The TTM is 2.270. The company is just not able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ2.446TTM2.270+0.176
TTM2.270YOY2.168+0.102
TTM2.2705Y2.152+0.118
5Y2.15210Y2.085+0.067
3rd party ad coffee SUPPORTERis ad-free.

4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every kr1 in earnings Sjóvá-Almennar tryggingar hf generates.

  • Above 15 is considered overpriced but always compare Sjóvá-Almennar tryggingar hf to the Insurance - Property & Casualty industry mean.
  • A PE ratio of -32.68 means the investor is paying kr-32.68 for every kr1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The EOD is -33.109. Based on the earnings, the company is expensive. -2
  • The MRQ is -32.681. Based on the earnings, the company is expensive. -2
  • The TTM is -12.000. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-33.109MRQ-32.681-0.428
MRQ-32.681TTM-12.000-20.681
TTM-12.000YOY-34.412+22.413
TTM-12.0005Y-18.157+6.157
5Y-18.15710Y-6.190-11.967
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The EOD is 5.572. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 5.500. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 14.486. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.572MRQ5.500+0.072
MRQ5.500TTM14.486-8.987
TTM14.486YOY23.581-9.095
TTM14.4865Y30.444-15.958
5Y30.44410Y20.298+10.146
3rd party ad coffee SUPPORTERis ad-free.
4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Sjóvá-Almennar tryggingar hf is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance - Property & Casualty industry mean).
  • A PB ratio of 3.33 means the investor is paying kr3.33 for each kr1 in book value.

Let's take a look of the Price to Book Ratio trends of Sjóvá-Almennar tryggingar hf:

  • The EOD is 3.370. Based on the equity, the company is fair priced.
  • The MRQ is 3.327. Based on the equity, the company is fair priced.
  • The TTM is 2.958. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD3.370MRQ3.327+0.044
MRQ3.327TTM2.958+0.369
TTM2.958YOY2.627+0.331
TTM2.9585Y2.493+0.465
5Y2.49310Y1.987+0.505
4.6.2. Total Gains per Share
3rd party ad coffee SUPPORTERis ad-free.

6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in ISK. All numbers in thousands.

Summary
Total Assets73,068,367
Total Liabilities51,865,015
Total Stockholder Equity21,203,352
 As reported
Total Liabilities 51,865,015
Total Stockholder Equity+ 21,203,352
Total Assets = 73,068,367

Assets

Total Assets73,068,367
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 1,336,507
Total Current Assets  (as reported)0
Total Current Assets  (calculated)1,336,507
+/- 1,336,507
Long-term Assets
Property Plant Equipment 1,744,613
Long Term Investments 59,037,559
Intangible Assets 243,578
Long-term Assets  (as reported)0
Long-term Assets  (calculated)61,025,750
+/- 61,025,750

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity21,203,352
Total Current Liabilities
Accounts payable 61,840
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)61,840
+/- 61,840
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 15,676,836
Total Stockholder Equity (as reported)21,203,352
Total Stockholder Equity (calculated)15,676,836
+/- 5,526,516
Other
Capital Stock1,156,590
Net Invested Capital 21,203,352
Property Plant and Equipment Gross 1,744,613



6.2. Balance Sheets Structured

Currency in ISK. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-03-312012-12-312011-12-312010-12-312004-12-312003-12-31
> Total Assets 
31,757,000
33,877,000
36,551,892
37,539,991
40,284,697
0
42,705,297
44,490,509
44,108,651
44,053,841
44,250,840
46,902,444
44,358,561
44,547,440
41,434,503
43,184,719
43,413,225
43,956,103
43,303,244
44,314,495
44,465,686
43,608,538
43,364,955
45,936,850
45,241,898
45,181,715
44,195,496
49,806,859
51,830,760
51,515,530
50,983,631
54,630,716
56,658,098
57,519,224
59,261,201
63,998,688
67,501,849
69,842,338
67,856,411
68,992,033
67,758,048
68,081,786
68,569,644
63,762,017
64,022,785
65,906,946
69,304,836
70,491,066
70,097,143
72,726,097
75,692,333
73,068,367
73,068,36775,692,33372,726,09770,097,14370,491,06669,304,83665,906,94664,022,78563,762,01768,569,64468,081,78667,758,04868,992,03367,856,41169,842,33867,501,84963,998,68859,261,20157,519,22456,658,09854,630,71650,983,63151,515,53051,830,76049,806,85944,195,49645,181,71545,241,89845,936,85043,364,95543,608,53844,465,68644,314,49543,303,24443,956,10343,413,22543,184,71941,434,50344,547,44044,358,56146,902,44444,250,84044,053,84144,108,65144,490,50942,705,297040,284,69737,539,99136,551,89233,877,00031,757,000
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,988,499
8,088,944
7,616,155
6,526,861
10,169,681
9,295,969
9,664,997
8,223,000
11,436,486
11,235,747
10,869,467
8,849,530
12,686,986
12,431,950
11,546,230
9,157,045
12,785,565
12,605,736
11,277,692
8,941,870
13,120,242
12,900,457
12,384,841
10,046,935
0
4,566,112
0
0
0
0
0
0
0
00000004,566,112010,046,93512,384,84112,900,45713,120,2428,941,87011,277,69212,605,73612,785,5659,157,04511,546,23012,431,95012,686,9868,849,53010,869,46711,235,74711,436,4868,223,0009,664,9979,295,96910,169,6816,526,8617,616,1558,088,9448,988,4990000000000000000000
       Cash And Cash Equivalents 
714,000
5,682,000
2,609,119
1,551,713
3,780,278
0
3,087,428
3,207,996
3,711,393
2,843,445
985,839
874,395
995,970
996,108
1,385,478
1,553,988
1,211,077
1,882,383
1,062,663
1,300,265
797,175
929,948
950,835
1,574,103
860,712
1,497,420
1,312,710
788,298
907,020
1,326,353
969,453
1,034,666
1,430,769
1,456,213
1,160,223
1,288,882
1,711,445
1,529,862
1,094,896
1,111,213
1,359,749
1,719,691
1,189,328
1,066,854
1,260,675
3,497,153
3,599,873
3,760,773
3,902,427
3,194,184
1,567,913
1,336,507
1,336,5071,567,9133,194,1843,902,4273,760,7733,599,8733,497,1531,260,6751,066,8541,189,3281,719,6911,359,7491,111,2131,094,8961,529,8621,711,4451,288,8821,160,2231,456,2131,430,7691,034,666969,4531,326,353907,020788,2981,312,7101,497,420860,7121,574,103950,835929,948797,1751,300,2651,062,6631,882,3831,211,0771,553,9881,385,478996,108995,970874,395985,8392,843,4453,711,3933,207,9963,087,42803,780,2781,551,7132,609,1195,682,000714,000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,577,128
6,282,874
5,819,343
4,539,660
7,648,058
7,194,040
6,962,299
5,238,475
8,913,892
8,696,157
8,016,261
5,926,330
9,705,476
8,314,808
7,469,726
6,218,828
9,343,615
8,850,406
7,984,359
6,664,076
10,441,390
9,912,322
8,847,023
7,438,374
0
1,579,023
0
0
0
0
0
0
0
00000001,579,02307,438,3748,847,0239,912,32210,441,3906,664,0767,984,3598,850,4069,343,6156,218,8287,469,7268,314,8089,705,4765,926,3308,016,2618,696,1578,913,8925,238,4756,962,2997,194,0407,648,0584,539,6605,819,3436,282,8746,577,1280000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,111,106
1,008,895
866,864
1,036,366
947,520
1,241,217
1,205,278
1,671,815
1,734,296
1,632,570
1,526,853
1,953,747
1,946,844
2,686,373
2,620,291
1,777,994
2,153,068
2,043,885
1,763,471
1,182,898
1,567,639
1,628,386
1,818,127
1,419,233
0
1,726,414
0
0
0
0
0
0
0
00000001,726,41401,419,2331,818,1271,628,3861,567,6391,182,8981,763,4712,043,8852,153,0681,777,9942,620,2912,686,3731,946,8441,953,7471,526,8531,632,5701,734,2961,671,8151,205,2781,241,217947,5201,036,366866,8641,008,8951,111,1060000000000000000000
   > Long-term Assets 0000000000000000000000000000000000000000000000000000
       Property Plant Equipment 
646,000
82,000
327,143
456,018
669,451
0
694,995
677,009
646,295
653,743
637,231
621,476
626,480
719,643
616,654
659,465
629,246
614,445
598,516
577,692
560,208
535,611
522,154
513,261
503,722
479,301
478,355
935,574
880,250
834,247
797,787
799,510
835,804
797,486
768,626
1,807,792
1,812,670
1,787,934
1,770,008
1,765,175
1,814,033
1,817,881
1,807,156
1,803,218
519,867
506,106
1,790,195
1,780,595
1,760,874
1,782,330
1,764,664
1,744,613
1,744,6131,764,6641,782,3301,760,8741,780,5951,790,195506,106519,8671,803,2181,807,1561,817,8811,814,0331,765,1751,770,0081,787,9341,812,6701,807,792768,626797,486835,804799,510797,787834,247880,250935,574478,355479,301503,722513,261522,154535,611560,208577,692598,516614,445629,246659,465616,654719,643626,480621,476637,231653,743646,295677,009694,9950669,451456,018327,14382,000646,000
       Goodwill 
980,000
371,000
1,867,578
243,578
243,578
0
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
243,578
0
0
0
243,578
245,385
0
246,347
243,578
245,385
0
0
243,578
244,567
244,567
244,214
243,578
243,719
243,578
243,578
243,578
243,578
243,578
243,578
0
0
243,578
243,578
0
0
00243,578243,57800243,578243,578243,578243,578243,578243,578243,719243,578244,214244,567244,567243,57800245,385243,578246,3470245,385243,578000243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,578243,5780243,578243,5781,867,578371,000980,000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30,806,037
31,949,781
30,496,464
32,006,416
30,724,558
29,590,642
29,950,367
31,349,127
32,570,944
34,317,786
34,467,063
36,231,238
36,555,412
38,209,201
39,812,748
43,335,163
43,509,604
47,018,429
50,634,418
50,836,062
48,279,751
47,874,094
48,854,381
51,254,266
51,144,118
51,976,150
51,541,305
54,267,272
54,169,774
54,541,957
57,776,978
62,575,602
59,037,559
59,037,55962,575,60257,776,97854,541,95754,169,77454,267,27251,541,30551,976,15051,144,11851,254,26648,854,38147,874,09448,279,75150,836,06250,634,41847,018,42943,509,60443,335,16339,812,74838,209,20136,555,41236,231,23834,467,06334,317,78632,570,94431,349,12729,950,36729,590,64230,724,55832,006,41630,496,46431,949,78130,806,0370000000000000000000
       Intangible Assets 
980,000
371,000
7,414,155
5,412,359
4,958,159
0
4,612,351
4,494,368
4,415,072
4,267,198
4,151,766
4,036,659
3,925,864
3,713,578
327,532
318,954
308,414
298,692
288,262
283,205
276,272
269,338
261,750
256,526
252,450
249,305
2,833
245,385
247,046
246,347
2,235
0
245,230
244,991
1,200
0
0
0
352
0
0
0
243,578
0
0
0
243,578
243,578
0
0
243,578
243,578
243,578243,57800243,578243,578000243,5780003520001,200244,991245,23002,235246,347247,046245,3852,833249,305252,450256,526261,750269,338276,272283,205288,262298,692308,414318,954327,5323,713,5783,925,8644,036,6594,151,7664,267,1984,415,0724,494,3684,612,35104,958,1595,412,3597,414,155371,000980,000
> Total Liabilities 
23,379,000
25,409,000
24,259,801
24,605,875
25,293,367
0
25,924,048
27,833,081
27,121,953
26,857,627
26,440,692
32,465,394
29,165,262
28,260,342
25,143,284
27,244,903
27,216,456
27,055,664
25,849,304
28,842,719
28,633,204
28,709,238
28,158,592
31,477,575
31,546,569
31,647,333
30,368,405
35,579,283
36,164,942
35,646,443
34,689,683
39,052,376
39,542,086
39,137,516
37,897,643
43,414,079
44,245,400
44,736,244
43,517,622
48,144,334
47,763,655
48,141,691
47,062,597
43,835,156
44,433,286
44,792,766
45,983,535
49,200,478
49,240,353
50,426,408
50,564,255
51,865,015
51,865,01550,564,25550,426,40849,240,35349,200,47845,983,53544,792,76644,433,28643,835,15647,062,59748,141,69147,763,65548,144,33443,517,62244,736,24444,245,40043,414,07937,897,64339,137,51639,542,08639,052,37634,689,68335,646,44336,164,94235,579,28330,368,40531,647,33331,546,56931,477,57528,158,59228,709,23828,633,20428,842,71925,849,30427,055,66427,216,45627,244,90325,143,28428,260,34229,165,26232,465,39426,440,69226,857,62727,121,95327,833,08125,924,048025,293,36724,605,87524,259,80125,409,00023,379,000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28,842,720
28,633,205
28,709,238
19,845,670
31,477,576
31,546,569
31,647,333
20,712,597
35,098,745
35,708,620
35,218,176
24,033,677
38,672,441
39,186,254
38,819,402
26,268,983
42,077,486
42,908,848
43,410,140
29,699,940
46,818,542
46,413,987
46,787,815
31,586,889
0
38,643,100
0
0
0
0
0
0
0
000000038,643,100031,586,88946,787,81546,413,98746,818,54229,699,94043,410,14042,908,84842,077,48626,268,98338,819,40239,186,25438,672,44124,033,67735,218,17635,708,62035,098,74520,712,59731,647,33331,546,56931,477,57619,845,67028,709,23828,633,20528,842,7200000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
480,539
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000000000480,539000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
480,539
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000000000480,539000000000000000000000000000
       Accounts payable 
0
0
1,038,957
891,432
978,485
0
1,237,989
1,429,740
905,766
920,885
1,253,780
4,889,338
1,590,779
1,092,574
1,206,928
1,409,010
1,647,948
1,501,895
1,244,760
1,677,090
1,445,904
1,376,860
1,223,934
18,324,196
18,524,265
19,171,528
8,578,866
2,596,706
2,462,431
2,309,543
9,870,251
23,289,696
23,630,656
23,816,418
10,422,524
24,474,058
25,083,960
26,198,039
11,674,794
27,552,333
27,940,556
29,467,431
13,636,949
0
31,887,410
0
50,131
0
0
0
57,189
61,840
61,84057,18900050,131031,887,410013,636,94929,467,43127,940,55627,552,33311,674,79426,198,03925,083,96024,474,05810,422,52423,816,41823,630,65623,289,6969,870,2512,309,5432,462,4312,596,7068,578,86619,171,52818,524,26518,324,1961,223,9341,376,8601,445,9041,677,0901,244,7601,501,8951,647,9481,409,0101,206,9281,092,5741,590,7794,889,3381,253,780920,885905,7661,429,7401,237,9890978,485891,4321,038,95700
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,662,220
11,389,084
10,949,593
10,434,000
12,792,196
12,615,482
12,025,592
11,651,144
14,492,419
14,297,152
13,266,897
13,512,281
15,011,505
15,172,714
14,595,764
15,230,050
17,257,252
17,419,851
16,751,560
17,270,854
18,800,061
17,954,901
16,732,665
17,175,045
0
6,143,751
0
0
0
0
0
0
0
00000006,143,751017,175,04516,732,66517,954,90118,800,06117,270,85416,751,56017,419,85117,257,25215,230,05014,595,76415,172,71415,011,50513,512,28113,266,89714,297,15214,492,41911,651,14412,025,59212,615,48212,792,19610,434,00010,949,59311,389,08411,662,2200000000000000000000
   > Long-term Liabilities 0000000000000000000000000000000000000000000000000000
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
456,322
428,267
404,818
379,935
355,832
318,114
288,904
1,336,593
1,336,553
1,326,106
1,321,270
1,325,792
1,340,705
1,353,875
1,341,824
1,353,750
1,357,110
1,345,363
1,340,863
1,331,326
1,325,288
1,313,820
1,313,549
1,292,137
1,292,1371,313,5491,313,8201,325,2881,331,3261,340,8631,345,3631,357,1101,353,7501,341,8241,353,8751,340,7051,325,7921,321,2701,326,1061,336,5531,336,593288,904318,114355,832379,935404,818428,267456,3220000000000000000000000000000
> Total Stockholder Equity
8,378,000
8,468,000
12,292,091
12,934,116
14,991,330
14,991,330
16,781,249
16,657,428
16,986,698
17,196,214
17,810,148
14,437,050
15,193,299
16,287,098
16,291,219
15,939,816
16,196,769
16,900,439
17,453,940
15,471,776
15,832,482
14,899,300
15,206,363
14,459,275
13,695,329
13,534,382
13,827,091
14,227,576
15,665,818
15,869,087
16,293,948
15,578,340
17,116,012
18,381,708
21,363,558
20,584,609
23,256,449
25,106,094
24,338,789
20,847,699
19,994,393
19,940,095
21,507,047
19,926,861
19,589,499
21,114,180
23,321,301
21,290,588
20,856,790
22,299,689
25,128,078
21,203,352
21,203,35225,128,07822,299,68920,856,79021,290,58823,321,30121,114,18019,589,49919,926,86121,507,04719,940,09519,994,39320,847,69924,338,78925,106,09423,256,44920,584,60921,363,55818,381,70817,116,01215,578,34016,293,94815,869,08715,665,81814,227,57613,827,09113,534,38213,695,32914,459,27515,206,36314,899,30015,832,48215,471,77617,453,94016,900,43916,196,76915,939,81616,291,21916,287,09815,193,29914,437,05017,810,14817,196,21416,986,69816,657,42816,781,24914,991,33014,991,33012,934,11612,292,0918,468,0008,378,000
   Common Stock
525,000
525,000
1,592,522
1,592,522
1,592,522
0
1,592,521
1,592,521
1,592,521
1,592,521
1,592,521
1,592,521
1,592,521
1,575,577
1,562,437
1,552,521
1,550,062
1,537,138
1,505,401
1,476,710
1,435,018
1,407,650
1,424,817
1,424,817
1,416,804
1,396,212
1,389,197
1,389,197
1,383,334
1,369,502
1,346,607
1,334,106
1,334,106
1,334,106
1,334,106
1,327,641
1,314,170
1,304,919
1,227,796
1,207,495
1,187,146
1,178,393
1,178,394
0
1,166,339
0
0
0
0
0
0
0
00000001,166,33901,178,3941,178,3931,187,1461,207,4951,227,7961,304,9191,314,1701,327,6411,334,1061,334,1061,334,1061,334,1061,346,6071,369,5021,383,3341,389,1971,389,1971,396,2121,416,8041,424,8171,424,8171,407,6501,435,0181,476,7101,505,4011,537,1381,550,0621,552,5211,562,4371,575,5771,592,5211,592,5211,592,5211,592,5211,592,5211,592,5211,592,52101,592,5221,592,5221,592,522525,000525,000
   Retained Earnings Total Equity0000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 0000000000000000000000000000000000000000000000000000
   Capital Surplus 0000000000000000000000000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
0
13,034,000
-1
0
1,204,987
890,388
890,279
900,326
990,758
993,702
664,172
676,420
732,835
807,397
1,479,196
1,673,845
6,722,577
6,311,198
4,860,736
4,772,859
4,345,061
0
3,991,543
0
0
0
0
0
0
0
00000003,991,54304,345,0614,772,8594,860,7366,311,1986,722,5771,673,8451,479,196807,397732,835676,420664,172993,702990,758900,326890,279890,3881,204,9870-113,034,00001100000000000000000000



6.3. Balance Sheets

Currency in ISK. All numbers in thousands.




6.4. Cash Flows

Currency in ISK. All numbers in thousands.




6.5. Income Statements

Currency in ISK. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in ISK. All numbers in thousands.

Gross Profit (+$)
totalRevenue36,818,334
Cost of Revenue-0
Gross Profit036,818,334
 
Operating Income (+$)
Gross Profit0
Operating Expense-32,049,846
Operating Income0-32,049,846
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense32,049,8460
 
Net Interest Income (+$)
Interest Income629,833
Interest Expense-0
Other Finance Cost-696,870
Net Interest Income-67,037
 
Pretax Income (+$)
Operating Income0
Net Interest Income-67,037
Other Non-Operating Income Expenses0
Income Before Tax (EBT)4,768,490-41,282
EBIT - interestExpense = 0
4,240,902
4,240,902
Interest Expense0
Earnings Before Interest and Taxes (EBIT)04,768,490
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax4,768,490
Tax Provision-527,588
Net Income From Continuing Ops4,240,9024,240,902
Net Income4,240,902
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net41,28267,037
 

Technical Analysis of Sjóvá-Almennar tryggingar hf
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Sjóvá-Almennar tryggingar hf. The general trend of Sjóvá-Almennar tryggingar hf is BEARISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Sjóvá-Almennar tryggingar hf's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-14.3%) Bearish trend (14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Sjóvá-Almennar tryggingar hf Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Sjóvá-Almennar tryggingar hf.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 46.60 < 50.50 < 50.50.

The bearish price targets are: 46.00 > 46.00 > 46.00.

Know someone who trades $SJOVA? Share this with them.👇

Sjóvá-Almennar tryggingar hf Daily Support & Resistance Chart
3rd party ad coffee SUPPORTERis ad-free.

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Sjóvá-Almennar tryggingar hf. The current mas is .

The long score for the Moving Averages is 6/14.
The longshort score for the Moving Averages is -2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Sjóvá-Almennar tryggingar hf Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Sjóvá-Almennar tryggingar hf. The current macd is -0.3907395.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Sjóvá-Almennar tryggingar hf price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Sjóvá-Almennar tryggingar hf. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Sjóvá-Almennar tryggingar hf price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Sjóvá-Almennar tryggingar hf Daily Moving Average Convergence/Divergence (MACD) ChartSjóvá-Almennar tryggingar hf Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Sjóvá-Almennar tryggingar hf. The current adx is 29.55.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -3/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Sjóvá-Almennar tryggingar hf shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bearish trend. The ADX is declining, the bearish trend is weakening. Could be a potential reversal to the upside. -2
Sjóvá-Almennar tryggingar hf Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Sjóvá-Almennar tryggingar hf. The current sar is 45.52.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Sjóvá-Almennar tryggingar hf Daily Parabolic SAR Chart
3rd party ad coffee SUPPORTERis ad-free.

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Sjóvá-Almennar tryggingar hf. The current rsi is 44.34. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is -2/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
  • Trending up: The RSI is trending up. +1
Sjóvá-Almennar tryggingar hf Daily Relative Strength Index (RSI) ChartSjóvá-Almennar tryggingar hf Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Sjóvá-Almennar tryggingar hf. The current phase is Correction in bear market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Sjóvá-Almennar tryggingar hf price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Sjóvá-Almennar tryggingar hf Daily Stochastic Oscillator ChartSjóvá-Almennar tryggingar hf Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Sjóvá-Almennar tryggingar hf. The current cci is -22.58313998.

Sjóvá-Almennar tryggingar hf Daily Commodity Channel Index (CCI) ChartSjóvá-Almennar tryggingar hf Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Sjóvá-Almennar tryggingar hf. The current cmo is -9.29534845.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Sjóvá-Almennar tryggingar hf Daily Chande Momentum Oscillator (CMO) ChartSjóvá-Almennar tryggingar hf Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Sjóvá-Almennar tryggingar hf. The current willr is -33.33333333.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Sjóvá-Almennar tryggingar hf is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Sjóvá-Almennar tryggingar hf Daily Williams %R ChartSjóvá-Almennar tryggingar hf Daily Williams %R Chart
3rd party ad coffee SUPPORTERis ad-free.

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Sjóvá-Almennar tryggingar hf.

Sjóvá-Almennar tryggingar hf Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Sjóvá-Almennar tryggingar hf. The current atr is 0.33836087.

Sjóvá-Almennar tryggingar hf Daily Average True Range (ATR) ChartSjóvá-Almennar tryggingar hf Daily Average True Range (ATR) Chart
3rd party ad coffee SUPPORTERis ad-free.

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Sjóvá-Almennar tryggingar hf. The current obv is 128,283,728.

Sjóvá-Almennar tryggingar hf Daily On-Balance Volume (OBV) ChartSjóvá-Almennar tryggingar hf Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Sjóvá-Almennar tryggingar hf. The current mfi is 33.52.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Sjóvá-Almennar tryggingar hf Daily Money Flow Index (MFI) ChartSjóvá-Almennar tryggingar hf Daily Money Flow Index (MFI) Chart
3rd party ad coffee SUPPORTERis ad-free.

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Sjóvá-Almennar tryggingar hf.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-18SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-20ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-24WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-03CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-05MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-12RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-14ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-03-26ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-02SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-04STOCH SHORT EXITThe %K line crosses above the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-10RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-17SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-22STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-23STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-25WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-29STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-30CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-05STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-07MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-08STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-09DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-12BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-13STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-16STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-20STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-22RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-05-23STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-26MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-27STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-28CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-03RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-04SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-06-06MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-06-13WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-16DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-19CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-20MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-06-23ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-24RSI LONG ENTRY SHORT CLOSE30 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-25WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-03ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-07-04SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-07-08STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-09ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-07-10STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-11ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

Sjóvá-Almennar tryggingar hf Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Sjóvá-Almennar tryggingar hf based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5044.337
Ma 20Greater thanMa 5046.620
Ma 50Greater thanMa 10047.107
Ma 100Greater thanMa 20046.974
OpenGreater thanClose46.400
Total2/5 (40.0%)
Penke
Good job! You gained 25 XP and 0   0   10 . What's next:
  • Share my analysis of Sjóvá-Almennar tryggingar hf with someone you think should read this too:
  • Are you bullish or bearish on Sjóvá-Almennar tryggingar hf? Let me know what you think in the comments.
  • Do you want an email if I find something interesting about Sjóvá-Almennar tryggingar hf? Add an email alert using the form below.
  • Join the community if you want to keep your earnings and track your progress: Join the community
  • Is this analysis useful to you? Support me via But Me a Coffee. I'll analyze the stock market faster for you!

Get notifications about Sjóvá-Almennar tryggingar hf

I send you an email if I find something interesting about Sjóvá-Almennar tryggingar hf.


Comments

How you think about this?

Leave a comment

Stay informed about Sjóvá-Almennar tryggingar hf.

Receive notifications about Sjóvá-Almennar tryggingar hf in your mailbox!

3rd party ad coffee SUPPORTERis ad-free.