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Sjova-Almennar tryggingar hfOISE:SJOVA -0.47%64 Debt-to-Equity is 0.05 as of Mar. 2026, which is 17% below its 10-year median of 0.06. GuruFocus rates OISE:SJOVA with a GF Score™ of 64/100. The stock has 4 warning signs investors should review. Among 405 Insurance companies, Sjova-Almennar tryggingar hf ranks better than 78.52% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Sjova-Almennar tryggingar hf's Debt-to-Equity or its related term are showing as below:
OISE:SJOVA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.06 Max: 0.07
Current: 0.05
During the past 13 years, the highest Debt-to-Equity Ratio of Sjova-Almennar tryggingar hf was 0.07. The lowest was 0.01. And the median was 0.06.
OISE:SJOVA's Debt-to-Equity is ranked better than 78.52% of 405
companies
in the Insurance industry
Industry Median: 0.2
vs OISE:SJOVA: 0.05
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Sjova-Almennar tryggingar hf Debt-to-Equity Related Terms
Sjova-Almennar tryggingar hf Debt-to-Equity Historical Data
* 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.
OISE:SJOVA vs CB, PGR, TRV: Debt-to-Equity Comparison
For the Insurance - Property & Casualty subindustry, Sjova-Almennar tryggingar hf's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Sjova-Almennar tryggingar hf's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sjova-Almennar tryggingar hf's Debt-to-Equity falls into.
* 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 (OISE:SJOVA) has a Debt-to-Equity of 0.05 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sjova-Almennar tryggingar hf and its competitors. This is 17% below median its historical median of 0.06. Over the past decade, Sjova-Almennar tryggingar hf's Debt-to-Equity has ranged from 0.01 to 0.07. According to the industry distribution chart, Sjova-Almennar tryggingar hf ranks #87 out of 405 companies in the Insurance industry, placing it in the top 21.5%.
Is Sjova-Almennar tryggingar hf's Debt-to-Equity too high?
Sjova-Almennar tryggingar hf's current Debt-to-Equity of 0.05 is 17% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.07. The Insurance industry median Debt-to-Equity is 0.20. Sjova-Almennar tryggingar hf's value of 0.05 is 75% below this industry median. Based on the distribution chart, Sjova-Almennar tryggingar hf ranks #87 out of 405 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sjova-Almennar tryggingar hf has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Sjova-Almennar tryggingar hf's Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Sjova-Almennar tryggingar hf ranks #87 out of 405 companies for Debt-to-Equity. This places Sjova-Almennar tryggingar hf in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.20. Sjova-Almennar tryggingar hf's value of 0.05 is 75% below this benchmark. Historically, Sjova-Almennar tryggingar hf's own Debt-to-Equity has ranged from 0.01 to 0.07 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.20, Sjova-Almennar tryggingar hf has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 405 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sjova-Almennar tryggingar hf's current Debt-to-Equity of 0.05 is 75% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sjova-Almennar tryggingar hf and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sjova-Almennar tryggingar hf's current Debt-to-Equity is 0.05, which is 17% below median its own 10-year median of 0.06. 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?
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a current Debt-to-Equity of 0.05. The current Debt-to-Equity is 0.05, which is 17% below median its 10-year median of 0.06 and 75% below the Insurance industry median of 0.20. Sjova-Almennar tryggingar hf's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Debt-to-Equity is 0.05 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.
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.
64GF Score
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