Sjova-Almennar tryggingar hf (OISE:SJOVA) Cyclically Adjusted Book per Share: kr593.86 (As of Mar. 2026)


OISE:SJOVA Sjova-Almennar tryggingar hf OISE:SJOVA
80 GF Score
Price kr40.80
GF Value kr39.61
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Sjova-Almennar tryggingar hf Cyclically Adjusted Book per Share?

Sjova-Almennar tryggingar hf OISE:SJOVA +0.49% 80 Cyclically Adjusted Book per Share is kr593.86 as of Mar. 2026. GuruFocus rates OISE:SJOVA with a GF Score™ of 80/100 and a GF Value™ of kr39.61 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Sjova-Almennar tryggingar hf's adjusted book value per share for the three months ended in Mar. 2026 was kr19.944. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is kr593.86 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sjova-Almennar tryggingar hf's average Cyclically Adjusted Book Growth Rate was 5.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 243.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Sjova-Almennar tryggingar hf was 243.00% per year. The lowest was 243.00% per year. And the median was 243.00% per year.

As of today (2026-07-09), Sjova-Almennar tryggingar hf's current stock price is kr40.80. Sjova-Almennar tryggingar hf's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was kr593.86. Sjova-Almennar tryggingar hf's Cyclically Adjusted PB Ratio of today is 0.07.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Sjova-Almennar tryggingar hf was 2.99. The lowest was 0.06. And the median was 2.25.


Sjova-Almennar tryggingar hf  (OISE:SJOVA) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Sjova-Almennar tryggingar hf's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=40.80/593.86
=0.07

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Sjova-Almennar tryggingar hf was 2.99. The lowest was 0.06. And the median was 2.25.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Sjova-Almennar tryggingar hf Cyclically Adjusted Book per Share Related Terms


Sjova-Almennar tryggingar hf Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Sjova-Almennar tryggingar hf's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sjova-Almennar tryggingar hf Cyclically Adjusted Book per Share Chart

Sjova-Almennar tryggingar hf Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 14.44 15.37 557.26 582.71

Sjova-Almennar tryggingar hf Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 563.08 574.29 576.00 582.71 593.86

OISE:SJOVA vs CB, PGR, TRV: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, Sjova-Almennar tryggingar hf's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Sjova-Almennar tryggingar hf Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Sjova-Almennar tryggingar hf's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Sjova-Almennar tryggingar hf's Cyclically Adjusted PB Ratio falls into.


OISE:SJOVA
80GF Score
Sjova-Almennar tryggingar hf OISE:SJOVA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sjova-Almennar tryggingar hf Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Sjova-Almennar tryggingar hf's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=19.944/158.5100*158.5100
=19.944

Current CPI (Mar. 2026) = 158.5100.

Sjova-Almennar tryggingar hf Quarterly Data

Book Value per Share CPI Adj_Book
201606 10.363 101.923 16.117
201609 11.230 102.457 17.374
201612 11.597 102.562 17.923
201703 10.280 102.768 15.856
201706 10.520 103.496 16.112
201709 10.728 103.871 16.371
201712 9.166 104.481 13.906
201803 10.232 105.600 15.359
201806 9.566 106.206 14.277
201809 9.640 106.727 14.317
201812 9.025 108.388 13.198
201903 10.265 108.702 14.968
201906 11.337 109.758 16.373
201909 11.455 109.922 16.518
201912 12.002 110.588 17.203
202003 11.720 111.019 16.734
202006 12.801 112.667 18.010
202009 13.797 113.772 19.222
202012 15.935 114.542 22.052
202103 15.555 115.833 21.286
202106 17.703 117.451 23.892
202109 19.225 118.723 25.668
202112 18.730 120.398 24.659
202203 13.625 123.555 17.480
202206 13.067 127.809 16.206
202209 13.034 129.810 15.916
202212 13.944 131.901 16.757
202303 12.834 135.674 14.994
202306 12.616 139.150 14.371
202309 13.669 140.147 15.460
202312 15.142 142.125 16.888
202403 13.823 144.910 15.120
202406 18.270 147.267 19.665
202409 19.183 147.722 20.584
202412 21,662.136 148.871 23,064.732
202503 18.468 150.393 19.465
202506 17.687 153.367 18.280
202509 19.314 153.800 19.905
202512 20.681 155.560 21.073
202603 19.944 158.510 19.944

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of kr593.86 mean?
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a Cyclically Adjusted Book per Share of kr593.86 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Sjova-Almennar tryggingar hf and its competitors.
Is Sjova-Almennar tryggingar hf's Cyclically Adjusted Book per Share too high?
Sjova-Almennar tryggingar hf's current Cyclically Adjusted Book per Share is kr593.86. Overall, Sjova-Almennar tryggingar hf has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sjova-Almennar tryggingar hf's Cyclically Adjusted Book per Share compare to CB and PGR?
Sjova-Almennar tryggingar hf's Cyclically Adjusted Book per Share of kr593.86 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Sjova-Almennar tryggingar hf and its competitors. Sjova-Almennar tryggingar hf's current Cyclically Adjusted Book per Share is kr593.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sjova-Almennar tryggingar hf stock overvalued right now?
Based on GuruFocus' analysis, Sjova-Almennar tryggingar hf (OISE:SJOVA) is currently considered Fairly Valued. The stock's GF Value™ is kr39.61, compared to a current price of kr40.80 — trading 3% above its estimated fair value. The current Cyclically Adjusted Book per Share is kr593.86. Sjova-Almennar tryggingar hf's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Cyclically Adjusted Book per Share is kr593.86 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sjova-Almennar tryggingar hf (OISE:SJOVA) Overvalued in 2026?

Based on GuruFocus' analysis, Sjova-Almennar tryggingar hf stock appears to be overvalued. The current stock price of kr40.80 is trading 3% above its estimated GF Value™ of kr39.61. GuruFocus considers Sjova-Almennar tryggingar hf to be Fairly Valued.

Key valuation signals for OISE:SJOVA:

  • Cyclically Adjusted Book per Share: kr593.86
  • GF Value™: kr39.61 vs. price of kr40.80 (3% above fair value)
  • GF Score™: 80/100 with 3 warning signs

No single metric tells the full story. See the OISE:SJOVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sjova-Almennar tryggingar hf Business Description

Address Kringlunni 5, Reykjavik, ISL, 103
Sjova-Almennar tryggingar hf is an insurance company. It offers motor vehicle insurance, family and home insurance, life and critical illness insurance, medical cost insurance, life & health insurance in iceland. It also provides fire insurance, commercial property insurance, vessel crew insurance, transport cargo insurance, life- and critical illness insurance, and medical cost insurance.
80GF Score

Get the complete analysis for OISE:SJOVA

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr40.80
Price
kr39.61
GF Value