ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Insurance - Specialty subindustry, Solid Forsakringsaktiebolag's ROE %, along with its competitors' market caps and ROE % 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.
Solid Forsakringsaktiebolag ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Solid Forsakringsaktiebolag's ROE % distribution charts can be found below:
* The bar in red indicates where Solid Forsakringsaktiebolag's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Solid Forsakringsaktiebolag (OSTO:SFAB) has a ROE % of 16.17% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Solid Forsakringsaktiebolag and its competitors. This is 50% below median its historical median of 32.06. Over the past decade, Solid Forsakringsaktiebolag's ROE % has ranged from 22.43 to 55.89. According to the industry distribution chart, Solid Forsakringsaktiebolag ranks #55 out of 506 companies in the Insurance industry, placing it in the top 10.9%.
Is Solid Forsakringsaktiebolag's ROE % too high?
Solid Forsakringsaktiebolag's current ROE % of 16.17% is 50% below median its 10-year median of 32.06. Over the past 10 years, this metric has ranged from a low of 22.43 to a high of 55.89. The Insurance industry median ROE % is 11.68. Solid Forsakringsaktiebolag's value of 16.17% is 38.5% above this industry median. Based on the distribution chart, Solid Forsakringsaktiebolag ranks #55 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Solid Forsakringsaktiebolag has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solid Forsakringsaktiebolag's ROE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Solid Forsakringsaktiebolag ranks #55 out of 506 companies for ROE %. This places Solid Forsakringsaktiebolag in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Solid Forsakringsaktiebolag's value of 16.17% is 38.5% above this benchmark. Historically, Solid Forsakringsaktiebolag's own ROE % has ranged from 22.43 to 55.89 over the past decade. While the company's 10-year median is 32.06 vs. the industry median of 11.68, Solid Forsakringsaktiebolag has consistently been above 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solid Forsakringsaktiebolag's current ROE % of 16.17% is 38.5% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Solid Forsakringsaktiebolag and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solid Forsakringsaktiebolag's current ROE % is 16.17%, which is 50% below median its own 10-year median of 32.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solid Forsakringsaktiebolag stock overvalued right now?
Based on GuruFocus' analysis, Solid Forsakringsaktiebolag (OSTO:SFAB) is currently considered Significantly Overvalued. The stock's GF Value™ is kr75.04, compared to a current price of kr98.10 — trading 30.7% above its estimated fair value. The current ROE % is 16.17%, which is 50% below median its 10-year median of 32.06 and 38.5% above the Insurance industry median of 11.68. Solid Forsakringsaktiebolag's overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Solid Forsakringsaktiebolag (OSTO:SFAB), the current ROE % is 16.17% 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 Solid Forsakringsaktiebolag (OSTO:SFAB) Overvalued in 2026?
Based on GuruFocus' analysis, Solid Forsakringsaktiebolag stock appears to be overvalued.
The current stock price of kr98.10 is trading 30.7% above its estimated GF Value™ of kr75.04.
GuruFocus considers Solid Forsakringsaktiebolag to be Significantly Overvalued.
Key valuation signals for OSTO:SFAB:
ROE %: 16.17% (50% below median its 10-year median of 32.06)
GF Value™: kr75.04 vs. price of kr98.10 (30.7% above fair value)
Industry Position: 38.5% above the Insurance median (#55 of 506)
No single metric tells the full story. See the OSTO:SFAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solid Forsakringsaktiebolag is a niche insurance company in the Nordic region in non-life insurance. The company sells insurance in three different segments, which include Product, Personal Safety, and Assistance. Geographically, it has a presence in Sweden, Norway, Denmark, Finland, and other countries. It generates the majority of its revenue from Sweden.
78GF Score
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