The historical rank and industry rank for Sjova-Almennar tryggingar hf's Net Margin % or its related term are showing as below:
OISE:SJOVA'
s Net Margin % Range Over the Past 10 Years
Min: 3.6 Med: 12.48 Max: 30.45
Current: 7.99
OISE:SJOVA's Net Margin % is ranked worse than 56.18% of 502
companies
in the Insurance industry
Industry Median: 9.235
vs OISE:SJOVA: 7.99
Sjova-Almennar tryggingar hf (OISE:SJOVA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Sjova-Almennar tryggingar hf Net Margin % Related Terms
Sjova-Almennar tryggingar hf Net Margin % 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: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Sjova-Almennar tryggingar hf's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sjova-Almennar tryggingar hf's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sjova-Almennar tryggingar hf's Net Margin % 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 Net Margin % of 3.06% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sjova-Almennar tryggingar hf and its competitors. This is 75% below median its historical median of 12.48. Over the past decade, Sjova-Almennar tryggingar hf's Net Margin % has ranged from 3.60 to 30.45. According to the industry distribution chart, Sjova-Almennar tryggingar hf ranks #282 out of 502 companies in the Insurance industry, placing it in the top 56.2%.
Is Sjova-Almennar tryggingar hf's Net Margin % too high?
Sjova-Almennar tryggingar hf's current Net Margin % of 3.06% is 75% below median its 10-year median of 12.48. Over the past 10 years, this metric has ranged from a low of 3.60 to a high of 30.45. The Insurance industry median Net Margin % is 9.24. Sjova-Almennar tryggingar hf's value of 3.06% is 66.9% below this industry median. Based on the distribution chart, Sjova-Almennar tryggingar hf ranks #282 out of 502 companies in the Insurance industry, which is below the industry midpoint. 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Sjova-Almennar tryggingar hf ranks #282 out of 502 companies for Net Margin %. This places Sjova-Almennar tryggingar hf in the lower half of its industry. The industry median Net Margin % is 9.24. Sjova-Almennar tryggingar hf's value of 3.06% is 66.9% below this benchmark. Historically, Sjova-Almennar tryggingar hf's own Net Margin % has ranged from 3.60 to 30.45 over the past decade. While the company's 10-year median is 12.48 vs. the industry median of 9.24, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.24, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sjova-Almennar tryggingar hf's current Net Margin % of 3.06% is 66.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Sjova-Almennar tryggingar hf and its competitors. For the Insurance industry, the median Net Margin % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sjova-Almennar tryggingar hf's current Net Margin % is 3.06%, which is 75% below median its own 10-year median of 12.48. 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 kr41.00 — trading 3.5% above its estimated fair value. The current Net Margin % is 3.06%, which is 75% below median its 10-year median of 12.48 and 66.9% below the Insurance industry median of 9.24. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Net Margin % is 3.06% 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 kr41.00 is trading 3.5% above its estimated GF Value™ of kr39.61.
GuruFocus considers Sjova-Almennar tryggingar hf to be Fairly Valued.
Key valuation signals for OISE:SJOVA:
Net Margin %: 3.06% (75% below median its 10-year median of 12.48)
GF Value™: kr39.61 vs. price of kr41.00 (3.5% above fair value)
Industry Position: 66.9% below the Insurance median (#282 of 502)
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 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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OISE:SJOVA has been successfully added to your 
