The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Sjova-Almennar tryggingar hf Pretax Margin % Related Terms
Sjova-Almennar tryggingar hf Pretax 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: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Sjova-Almennar tryggingar hf's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sjova-Almennar tryggingar hf's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Sjova-Almennar tryggingar hf's Pretax 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 Pretax Margin % of 7.48% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sjova-Almennar tryggingar hf and its competitors. This is 47% below median its historical median of 14.24. Over the past decade, Sjova-Almennar tryggingar hf's Pretax Margin % has ranged from 5.25 to 32.92. According to the industry distribution chart, Sjova-Almennar tryggingar hf ranks #271 out of 502 companies in the Insurance industry, placing it in the top 54%.
Is Sjova-Almennar tryggingar hf's Pretax Margin % too high?
Sjova-Almennar tryggingar hf's current Pretax Margin % of 7.48% is 47% below median its 10-year median of 14.24. Over the past 10 years, this metric has ranged from a low of 5.25 to a high of 32.92. The Insurance industry median Pretax Margin % is 11.98. Sjova-Almennar tryggingar hf's value of 7.48% is 37.6% below this industry median. Based on the distribution chart, Sjova-Almennar tryggingar hf ranks #271 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 Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Sjova-Almennar tryggingar hf ranks #271 out of 502 companies for Pretax Margin %. This places Sjova-Almennar tryggingar hf in the lower half of its industry. The industry median Pretax Margin % is 11.98. Sjova-Almennar tryggingar hf's value of 7.48% is 37.6% below this benchmark. Historically, Sjova-Almennar tryggingar hf's own Pretax Margin % has ranged from 5.25 to 32.92 over the past decade. While the company's 10-year median is 14.24 vs. the industry median of 11.98, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.98, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sjova-Almennar tryggingar hf's current Pretax Margin % of 7.48% is 37.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sjova-Almennar tryggingar hf and its competitors. For the Insurance industry, the median Pretax Margin % is 11.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sjova-Almennar tryggingar hf's current Pretax Margin % is 7.48%, which is 47% below median its own 10-year median of 14.24. 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 Pretax Margin % is 7.48%, which is 47% below median its 10-year median of 14.24 and 37.6% below the Insurance industry median of 11.98. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Pretax Margin % is 7.48% 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:
Pretax Margin %: 7.48% (47% below median its 10-year median of 14.24)
GF Value™: kr39.61 vs. price of kr40.80 (3% above fair value)
Industry Position: 37.6% below the Insurance median (#271 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
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