Sjova-Almennar tryggingar hf (OISE:SJOVA) Retained Earnings: kr17,833 Mil (As of Mar. 2026)

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OISE:SJOVA Sjova-Almennar tryggingar hf OISE:SJOVA
85 GF Score
Price kr42.00
GF Value kr39.85
Valuation Fairly Valued
! 4 Warning Signs
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What is Sjova-Almennar tryggingar hf Retained Earnings?

Sjova-Almennar tryggingar hf OISE:SJOVA -0.59% 85 Retained Earnings is kr17,833 Mil as of Mar. 2026. GuruFocus rates OISE:SJOVA with a GF Score™ of 85/100 and a GF Value™ of kr39.85 (Fairly Valued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Sjova-Almennar tryggingar hf's retained earnings for the quarter that ended in Mar. 2026 was kr17,833 Mil.

Sjova-Almennar tryggingar hf's quarterly retained earnings declined from Sep. 2025 (kr16,763 Mil) to Dec. 2025 (kr16,306 Mil) but then increased from Dec. 2025 (kr16,306 Mil) to Mar. 2026 (kr17,833 Mil).

Sjova-Almennar tryggingar hf's annual retained earnings increased from Dec. 2023 (kr17,252 Mil) to Dec. 2024 (kr18,694 Mil) but then declined from Dec. 2024 (kr18,694 Mil) to Dec. 2025 (kr16,306 Mil).


Sjova-Almennar tryggingar hf  (OISE:SJOVA) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Sjova-Almennar tryggingar hf Retained Earnings Historical Data

* Premium members only.

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

Sjova-Almennar tryggingar hf Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14,113.56 15,236.95 17,252.31 18,693.54 16,305.55

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
Retained Earnings 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 15,676.84 16,028.98 16,763.29 16,305.55 17,832.80
OISE:SJOVA
85GF Score
Sjova-Almennar tryggingar hf OISE:SJOVA
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Sjova-Almennar tryggingar hf Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of kr17,833 Mil mean?
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a Retained Earnings of kr17,833 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sjova-Almennar tryggingar hf and its competitors.
Is Sjova-Almennar tryggingar hf's Retained Earnings too high?
Sjova-Almennar tryggingar hf's current Retained Earnings is kr17,833 Mil. Overall, Sjova-Almennar tryggingar hf has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sjova-Almennar tryggingar hf's Retained Earnings compare to CB and PGR?
Sjova-Almennar tryggingar hf's Retained Earnings of kr17,833 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 Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sjova-Almennar tryggingar hf and its competitors. Sjova-Almennar tryggingar hf's current Retained Earnings is kr17,833 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 kr39.85, compared to a current price of kr42.00 — trading 5.4% above its estimated fair value. The current Retained Earnings is kr17,833 Mil. Sjova-Almennar tryggingar hf's overall GF Score™ is 85/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Retained Earnings is kr17,833 Mil 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 kr42.00 is trading 5.4% above its estimated GF Value™ of kr39.85. GuruFocus considers Sjova-Almennar tryggingar hf to be Fairly Valued.

Key valuation signals for OISE:SJOVA:

  • Retained Earnings: kr17,833 Mil
  • GF Value™: kr39.85 vs. price of kr42.00 (5.4% above fair value)
  • GF Score™: 85/100 with 4 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.
85GF Score

Get the complete analysis for OISE:SJOVA

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

kr42.00
Price
kr39.85
GF Value