Sjova-Almennar tryggingar hf (OISE:SJOVA) E10: kr3.65 (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
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What is Sjova-Almennar tryggingar hf E10?

Sjova-Almennar tryggingar hf OISE:SJOVA +0.49% 80 E10 is kr3.65 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Sjova-Almennar tryggingar hf's adjusted earnings per share data for the three months ended in Mar. 2026 was kr0.200. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is kr3.65 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sjova-Almennar tryggingar hf's average E10 Growth Rate was 11.60% per year. During the past 3 years, the average E10 Growth Rate was 12.00% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Sjova-Almennar tryggingar hf was 12.00% per year. The lowest was 12.00% per year. And the median was 12.00% per year.

As of today (2026-07-09), Sjova-Almennar tryggingar hf's current stock price is kr40.80. Sjova-Almennar tryggingar hf's E10 for the quarter that ended in Mar. 2026 was kr3.65. Sjova-Almennar tryggingar hf's Shiller PE Ratio of today is 11.18.

During the past 13 years, the highest Shiller PE Ratio of Sjova-Almennar tryggingar hf was 15.87. The lowest was 9.90. And the median was 13.08.


Sjova-Almennar tryggingar hf  (OISE:SJOVA) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Sjova-Almennar tryggingar hf's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=40.80/3.65
=11.18

* 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 Shiller P/E Ratio of Sjova-Almennar tryggingar hf was 15.87. The lowest was 9.90. And the median was 13.08.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Sjova-Almennar tryggingar hf E10 Related Terms


Sjova-Almennar tryggingar hf E10 Historical Data

* Premium members only.

The historical data trend for Sjova-Almennar tryggingar hf's E10 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 E10 Chart

Sjova-Almennar tryggingar hf Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 2.57 2.99 3.34 3.61

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
E10 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 3.27 3.27 3.25 3.61 3.65

OISE:SJOVA vs CB, PGR, TRV: E10 Comparison

For the Insurance - Property & Casualty subindustry, Sjova-Almennar tryggingar hf's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where Sjova-Almennar tryggingar hf's Shiller PE Ratio falls into.


OISE:SJOVA
80GF Score
Sjova-Almennar tryggingar hf OISE:SJOVA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sjova-Almennar tryggingar hf E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.2/158.5100*158.5100
=0.200

Current CPI (Mar. 2026) = 158.5100.

Sjova-Almennar tryggingar hf Quarterly Data

per share eps CPI Adj_EPS
201606 0.180 101.923 0.280
201609 0.560 102.457 0.866
201612 0.730 102.562 1.128
201703 0.750 102.768 1.157
201706 0.490 103.496 0.750
201709 -0.340 103.871 -0.519
201712 0.240 104.481 0.364
201803 0.530 105.600 0.796
201806 -0.440 106.206 -0.657
201809 0.100 106.727 0.149
201812 0.270 108.388 0.395
201903 0.760 108.702 1.108
201906 1.120 109.758 1.617
201909 0.320 109.922 0.461
201912 0.600 110.588 0.860
202003 -0.350 111.019 -0.500
202006 1.150 112.667 1.618
202009 0.950 113.772 1.324
202012 2.230 114.542 3.086
202103 1.560 115.833 2.135
202106 2.370 117.451 3.199
202109 1.680 118.723 2.243
202112 1.690 120.398 2.225
202203 0.880 123.555 1.129
202206 -0.100 127.809 -0.124
202209 0.200 129.810 0.244
202212 1.230 131.901 1.478
202303 0.540 135.674 0.631
202306 -0.060 139.150 -0.068
202309 1.500 140.147 1.697
202312 1.980 142.125 2.208
202403 0.360 144.910 0.394
202406 -0.380 147.267 -0.409
202409 1.240 147.722 1.331
202412 1.826 148.871 1.944
202503 -0.470 150.393 -0.495
202506 0.050 153.367 0.052
202509 0.990 153.800 1.020
202512 1.206 155.560 1.229
202603 0.200 158.510 0.200

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of kr3.65 mean?
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a E10 of kr3.65 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sjova-Almennar tryggingar hf and its competitors.
Is Sjova-Almennar tryggingar hf's E10 too high?
Sjova-Almennar tryggingar hf's current E10 is kr3.65. 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 E10 compare to CB and PGR?
Sjova-Almennar tryggingar hf's E10 of kr3.65 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sjova-Almennar tryggingar hf and its competitors. Sjova-Almennar tryggingar hf's current E10 is kr3.65. 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 E10 is kr3.65. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current E10 is kr3.65 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:

  • E10: kr3.65
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr40.80
Price
kr39.61
GF Value