Sjova-Almennar tryggingar hf
ICEX:SJOVA
Income Statement
Income Statement
Sjova-Almennar tryggingar hf
Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Gross Premiums Earned |
12 321
|
12 461
|
12 642
|
12 851
|
13 055
|
13 191
|
13 362
|
13 369
|
13 482
|
13 658
|
14 023
|
14 638
|
14 909
|
15 241
|
15 454
|
15 612
|
15 974
|
16 376
|
16 849
|
17 324
|
17 877
|
18 708
|
19 360
|
19 904
|
20 316
|
19 601
|
19 772
|
20 034
|
15 023
|
21 656
|
22 386
|
23 169
|
29 259
|
24 682
|
25 303
|
27 522
|
27 960
|
28 980
|
30 106
|
31 243
|
31 074
|
|
Revenue |
13 639
N/A
|
14 016
+3%
|
13 658
-3%
|
14 148
+4%
|
15 452
+9%
|
16 234
+5%
|
17 344
+7%
|
17 992
+4%
|
17 775
-1%
|
17 566
-1%
|
17 306
-1%
|
18 072
+4%
|
18 999
+5%
|
19 623
+3%
|
18 428
-6%
|
17 876
-3%
|
17 666
-1%
|
16 893
-4%
|
17 932
+6%
|
18 143
+1%
|
19 062
+5%
|
21 738
+14%
|
22 549
+4%
|
23 545
+4%
|
22 842
-3%
|
22 440
-2%
|
23 253
+4%
|
25 309
+9%
|
27 328
+8%
|
36 622
+34%
|
38 557
+5%
|
31 554
-18%
|
38 551
+22%
|
29 114
-24%
|
27 985
-4%
|
27 462
-2%
|
29 371
+7%
|
30 110
+3%
|
32 162
+7%
|
33 918
+5%
|
33 455
-1%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(12 370)
|
(12 643)
|
(13 118)
|
(12 889)
|
(13 351)
|
(13 749)
|
(13 714)
|
(17 888)
|
(17 982)
|
(18 085)
|
(18 297)
|
(15 007)
|
(15 170)
|
(15 464)
|
(15 647)
|
(15 790)
|
(15 922)
|
(16 572)
|
(16 882)
|
(17 191)
|
(17 747)
|
(18 028)
|
(18 480)
|
(19 135)
|
(19 633)
|
(19 086)
|
(18 943)
|
(18 702)
|
(18 529)
|
(24 359)
|
(25 379)
|
(21 305)
|
(27 194)
|
(23 331)
|
(24 324)
|
(25 967)
|
(27 143)
|
(27 807)
|
(28 391)
|
(29 423)
|
(28 884)
|
|
Selling, General & Administrative |
0
|
0
|
0
|
(3 244)
|
0
|
0
|
0
|
(3 203)
|
0
|
0
|
0
|
(3 453)
|
0
|
0
|
0
|
(3 590)
|
0
|
0
|
0
|
(3 823)
|
0
|
0
|
0
|
(3 962)
|
0
|
0
|
0
|
(4 156)
|
0
|
0
|
0
|
(4 825)
|
0
|
0
|
0
|
(5 031)
|
0
|
0
|
0
|
0
|
0
|
|
Depreciation & Amortization |
(469)
|
(473)
|
(475)
|
(559)
|
(470)
|
(469)
|
(455)
|
(3 918)
|
(3 739)
|
(3 623)
|
(3 519)
|
(118)
|
0
|
0
|
0
|
(115)
|
0
|
0
|
0
|
(95)
|
0
|
0
|
0
|
(209)
|
0
|
0
|
0
|
(223)
|
0
|
0
|
0
|
(173)
|
0
|
0
|
0
|
(190)
|
0
|
0
|
0
|
0
|
0
|
|
Benefits Claims Loss Adjustment |
(8 280)
|
(8 463)
|
(8 840)
|
(8 932)
|
(9 466)
|
(9 905)
|
(9 886)
|
(10 596)
|
(10 710)
|
(10 880)
|
(11 160)
|
(11 261)
|
(11 428)
|
(11 634)
|
(11 804)
|
(11 901)
|
(11 998)
|
(12 592)
|
(12 827)
|
(13 087)
|
(13 563)
|
(13 830)
|
(14 245)
|
(14 861)
|
(15 261)
|
(14 669)
|
(14 513)
|
(14 223)
|
0
|
(11 242)
|
(12 189)
|
(16 307)
|
(20 905)
|
(19 477)
|
(20 376)
|
(26 000)
|
(24 611)
|
(25 239)
|
(27 146)
|
(29 548)
|
(29 027)
|
|
Other Operating Expenses |
(3 621)
|
(3 708)
|
(3 803)
|
(154)
|
(3 416)
|
(3 375)
|
(3 373)
|
(171)
|
(3 533)
|
(3 582)
|
(3 618)
|
(174)
|
(3 742)
|
(3 830)
|
(3 843)
|
(183)
|
(3 925)
|
(3 980)
|
(4 055)
|
(185)
|
(4 184)
|
(4 198)
|
(4 236)
|
(102)
|
(4 372)
|
(4 417)
|
(4 430)
|
(100)
|
(18 529)
|
(13 117)
|
(13 190)
|
0
|
(6 289)
|
(3 854)
|
(3 948)
|
5 254
|
(2 532)
|
(2 568)
|
(1 245)
|
126
|
143
|
|
Operating Income |
1 270
N/A
|
1 372
+8%
|
541
-61%
|
1 259
+133%
|
2 100
+67%
|
2 485
+18%
|
3 630
+46%
|
105
-97%
|
(208)
N/A
|
(520)
-150%
|
(991)
-91%
|
3 065
N/A
|
3 829
+25%
|
4 160
+9%
|
2 781
-33%
|
2 085
-25%
|
1 744
-16%
|
322
-82%
|
1 050
+226%
|
952
-9%
|
1 315
+38%
|
3 710
+182%
|
4 069
+10%
|
4 410
+8%
|
3 209
-27%
|
3 355
+5%
|
4 310
+28%
|
6 606
+53%
|
8 800
+33%
|
12 263
+39%
|
13 179
+7%
|
10 248
-22%
|
11 356
+11%
|
5 783
-49%
|
3 661
-37%
|
1 495
-59%
|
2 228
+49%
|
2 303
+3%
|
3 772
+64%
|
4 496
+19%
|
4 571
+2%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(346)
|
(574)
|
(610)
|
(678)
|
(297)
|
73
|
91
|
99
|
256
|
163
|
107
|
1 575
|
436
|
599
|
743
|
849
|
648
|
|
Total Other Income |
(7)
|
(7)
|
(7)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
0
|
|
Pre-Tax Income |
1 262
N/A
|
1 365
+8%
|
533
-61%
|
1 259
+136%
|
2 100
+67%
|
2 485
+18%
|
3 630
+46%
|
105
-97%
|
(208)
N/A
|
(520)
-150%
|
(990)
-91%
|
3 065
N/A
|
3 829
+25%
|
4 160
+9%
|
2 781
-33%
|
2 085
-25%
|
1 744
-16%
|
322
-82%
|
1 050
+226%
|
952
-9%
|
1 315
+38%
|
3 710
+182%
|
4 069
+10%
|
4 410
+8%
|
2 863
-35%
|
2 781
-3%
|
3 700
+33%
|
5 928
+60%
|
8 503
+43%
|
12 336
+45%
|
13 270
+8%
|
10 347
-22%
|
11 613
+12%
|
5 947
-49%
|
3 768
-37%
|
3 070
-19%
|
2 664
-13%
|
2 902
+9%
|
4 515
+56%
|
5 344
+18%
|
5 219
-2%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(213)
|
(212)
|
(22)
|
(204)
|
(297)
|
(255)
|
(317)
|
553
|
664
|
505
|
541
|
(375)
|
(461)
|
(376)
|
(327)
|
(339)
|
(350)
|
(259)
|
(375)
|
(300)
|
(358)
|
(576)
|
(632)
|
(557)
|
(529)
|
(456)
|
(553)
|
(608)
|
(653)
|
(846)
|
(851)
|
(778)
|
(989)
|
(624)
|
(384)
|
(420)
|
(330)
|
(514)
|
(644)
|
(719)
|
(807)
|
|
Income from Continuing Operations |
1 049
|
1 153
|
511
|
1 055
|
1 803
|
2 230
|
3 313
|
657
|
456
|
(15)
|
(449)
|
2 690
|
3 368
|
3 784
|
2 454
|
1 746
|
1 395
|
62
|
675
|
652
|
956
|
3 134
|
3 437
|
3 853
|
2 334
|
2 324
|
3 147
|
5 320
|
7 850
|
11 491
|
12 419
|
9 570
|
10 624
|
5 323
|
3 384
|
2 650
|
2 335
|
2 388
|
3 871
|
4 626
|
4 411
|
|
Net Income (Common) |
1 049
N/A
|
1 153
+10%
|
511
-56%
|
1 055
+106%
|
1 803
+71%
|
2 230
+24%
|
3 313
+49%
|
657
-80%
|
456
-31%
|
(15)
N/A
|
(449)
-2 977%
|
2 690
N/A
|
3 368
+25%
|
3 784
+12%
|
2 454
-35%
|
1 746
-29%
|
1 395
-20%
|
62
-96%
|
675
+983%
|
652
-3%
|
956
+47%
|
3 134
+228%
|
3 437
+10%
|
3 853
+12%
|
2 334
-39%
|
2 324
0%
|
3 147
+35%
|
5 320
+69%
|
7 850
+48%
|
9 425
+20%
|
10 354
+10%
|
9 570
-8%
|
10 624
+11%
|
5 323
-50%
|
3 384
-36%
|
2 650
-22%
|
2 335
-12%
|
2 388
+2%
|
3 871
+62%
|
4 626
+19%
|
4 411
-5%
|
|
EPS (Diluted) |
0.67
N/A
|
0.72
+7%
|
0.32
-56%
|
0.66
+106%
|
1.13
+71%
|
1.39
+23%
|
2.07
+49%
|
0.42
-80%
|
0.29
-31%
|
0
N/A
|
-0.29
N/A
|
1.75
N/A
|
2.29
+31%
|
2.64
+15%
|
1.76
-33%
|
1.19
-32%
|
0.98
-18%
|
0.04
-96%
|
0.48
+1 100%
|
0.46
-4%
|
0.68
+48%
|
2.26
+232%
|
2.48
+10%
|
2.82
+14%
|
1.74
-38%
|
1.73
-1%
|
2.35
+36%
|
3.98
+69%
|
5.92
+49%
|
7.17
+21%
|
7.92
+10%
|
7.34
-7%
|
8.76
+19%
|
4.33
-51%
|
2.91
-33%
|
2.22
-24%
|
1.99
-10%
|
2.07
+4%
|
3.33
+61%
|
3.97
+19%
|
3.79
-5%
|