Sjova-Almennar tryggingar hf (OISE:SJOVA) Enterprise Value: kr46,571 Mil (As of Jul. 09, 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 Enterprise Value?

Sjova-Almennar tryggingar hf OISE:SJOVA +0.49% 80 Enterprise Value is kr46,571 Mil as of Jul. 09, 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.

Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Sjova-Almennar tryggingar hf's Enterprise Value is kr46,571 Mil. Sjova-Almennar tryggingar hf's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was kr4,014 Mil. Therefore, Sjova-Almennar tryggingar hf's EV-to-EBIT ratio for today is 11.60.

EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, Sjova-Almennar tryggingar hf's Enterprise Value is kr46,571 Mil. Sjova-Almennar tryggingar hf's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was kr4,259 Mil. Therefore, Sjova-Almennar tryggingar hf's EV-to-EBITDA ratio for today is 10.93.

EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Sjova-Almennar tryggingar hf's Enterprise Value is kr46,571 Mil. Sjova-Almennar tryggingar hf's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was kr35,588 Mil. Therefore, Sjova-Almennar tryggingar hf's EV-to-Revenue ratio for today is 1.31.

EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations. As of today, Sjova-Almennar tryggingar hf's Enterprise Value is kr46,571 Mil. Sjova-Almennar tryggingar hf's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was kr1,831 Mil. Therefore, Sjova-Almennar tryggingar hf's EV-to-OCF ratio for today is 25.44.

EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Sjova-Almennar tryggingar hf's Enterprise Value is kr46,571 Mil. Sjova-Almennar tryggingar hf's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was kr1,811 Mil. Therefore, Sjova-Almennar tryggingar hf's EV-to-FCF ratio for today is 25.71.

*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.


Sjova-Almennar tryggingar hf  (OISE:SJOVA) Enterprise Value Explanation

When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.

If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.

The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.

For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.

Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.

1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.

Sjova-Almennar tryggingar hf's EV-to-EBIT for today is

EV-to-EBIT=Enterprise Value (Today)/EBIT (TTM)
=46571.406/4013.604
=11.60

Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil.
Sjova-Almennar tryggingar hf's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr4,014 Mil.

2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.

Sjova-Almennar tryggingar hf's EV-to-EBITDA for today is:

EV-to-EBITDA=Enterprise Value (Today)/EBITDA(TTM)
=46571.406/4259.39
=10.93

Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil.
Sjova-Almennar tryggingar hf's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr4,259 Mil.

3. EV-to-Revenue is calculated as Enterprise Value divided by its Revenue.

Sjova-Almennar tryggingar hf's EV-to-Revenue for today is:

EV-to-Revenue=Enterprise Value (Today)/Revenue (TTM)
=46571.406/35587.741
=1.31

Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil.
Sjova-Almennar tryggingar hf's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr35,588 Mil.

4. EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations.

Sjova-Almennar tryggingar hf's EV-to-OCF for today is:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=46571.406/1830.537
=25.44

Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil.
Sjova-Almennar tryggingar hf's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr1,831 Mil.

5. EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow.

Sjova-Almennar tryggingar hf's EV-to-FCF for today is:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=46571.406/1811.362
=25.71

Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil.
Sjova-Almennar tryggingar hf's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr1,811 Mil.

* 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 Enterprise Value Related Terms


Sjova-Almennar tryggingar hf Enterprise Value Historical Data

* Premium members only.

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

Sjova-Almennar tryggingar hf Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Enterprise Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 49,756.14 50,943.48 59,348.87 -198.68 50,029.83

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
Enterprise Value 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 52,540.08 54,382.61 48,452.15 50,029.83 40,762.90

OISE:SJOVA vs CB, PGR, TRV: Enterprise Value Comparison

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

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

* The bar in red indicates where Sjova-Almennar tryggingar hf's Enterprise Value falls into.


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

Sjova-Almennar tryggingar hf Enterprise Value Calculation

Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

Sjova-Almennar tryggingar hf's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as

Sjova-Almennar tryggingar hf's Enterprise Value for the quarter that ended in Mar. 2026 is calculated as

* 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.

Frequently Asked Questions Learn more about Enterprise Value →
What does a Enterprise Value of kr46,571 Mil mean?
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a Enterprise Value of kr46,571 Mil as of Jul. 09, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Sjova-Almennar tryggingar hf and its competitors.
Is Sjova-Almennar tryggingar hf's Enterprise Value too high?
Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil. 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 Enterprise Value compare to CB and PGR?
Sjova-Almennar tryggingar hf's Enterprise Value of kr46,571 Mil 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 Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Sjova-Almennar tryggingar hf and its competitors. Sjova-Almennar tryggingar hf's current Enterprise Value is kr46,571 Mil. 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 Enterprise Value is kr46,571 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Enterprise Value is kr46,571 Mil as of Jul. 09, 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:

  • Enterprise Value: kr46,571 Mil
  • 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

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

kr40.80
Price
kr39.61
GF Value