SFAB Stock Financial Analysis - Solid Försäkringsaktiebolag (publ) (OM) Stock

Overview

Solid Försäkringsaktiebolag (publ), based in Sweden, operates primarily within the insurance industry. The company specializes in offering a comprehensive range of insurance products designed to meet the varied needs of its diverse clientele, including vehicle, property, and health insurance options. A key aspect of their operations focuses on innovation in insurance technology to improve customer service and claims processing efficiency. Solid Försäkringsaktiebolag has notably engaged in strategic projects aimed at digital transformation, enhancing their online platforms to facilitate easier access and management of insurance services for its users. This initiative underscores their commitment to leveraging technology to advance their service offerings and streamline operational processes.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 1,180.96 MM.
The operating income for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 188.57 MM.
The net income for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 146.03 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	1,180.96	188.57	146.03
2025-03-31	1,208.03	195.01	151.28
2024-12-31	1,227.23	211.42	164.71
2024-09-30	1,248.06	236.35	179.05
2024-06-30	1,217.17	226.63	170.63
2024-03-31	1,191.22	222.63	168.89
2023-12-31	1,186.37	218.60	165.36
2023-09-30	1,183.28	215.59	170.56
2023-06-30	1,172.00	205.20	164.35
2023-03-31	1,141.25	172.62	139.15
2022-12-31	1,094.78	136.49	110.66
2022-09-30	1,060.25	114.35	86.53
2022-06-30	1,029.02	105.14	77.40
2022-03-31	1,024.58	125.12	92.64
2021-12-31	1,028.75	160.58	119.98
2021-09-30	1,006.17	162.27	76.53
2020-12-31	928.41	120.66	43.37

Income Statement: EPS

The earnings per share basic for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 8.07.
The earnings per share diluted for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 8.07.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	8.07	8.07
2025-03-31	8.31	8.31
2024-12-31	8.99
2024-09-30	9.70	9.63
2024-06-30	9.16	9.10
2024-03-31	8.96	8.93
2023-12-31	8.67
2023-09-30	8.81	8.81
2023-06-30	8.38	8.38
2023-03-31	7.02	7.02
2022-12-31	5.54
2022-09-30	4.33	4.33
2022-06-30	3.87	3.87
2022-03-31	4.63	4.63
2021-12-31	6.00
2021-09-30	3.83	3.83
2020-12-31	2.17

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 101.55 MM.
The cash from investing activities for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is -9.73 MM.
The cash from financing activities for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is -127.01 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	101.55	-9.73	-127.01
2025-03-31	97.22	-9.64	-119.17
2024-12-31	123.08	-9.28	-121.64
2024-09-30	-133.34	176.49	-123.97
2024-06-30	-157.53	92.53	-134.19
2024-03-31	-187.31	79.65	-111.56
2023-12-31	-114.03	-8.20	-117.27
2023-09-30	119.39	-234.48	-132.95
2023-06-30	127.09	-208.54	-115.81
2023-03-31	164.24	-198.32	-45.64
2022-12-31	184.86	-173.96	-26.75
2022-09-30	173.27	-109.15	1.00
2022-06-30	172.49	-95.15	1.00
2022-03-31	163.60	158.31	1.00
2021-12-31	163.06	173.28	-59.00
2021-09-30	157.04	166.03	-60.00
2020-12-31	150.06	-105.30	-12.00

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/e for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 9.53.
The p/book for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 2.74.
The p/tbv for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 2.86.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30	9.53	2.74	2.86
2025-03-31	9.32	3.04	3.29
2024-12-31	8.43	3.13	3.30
2024-09-30	9.09	3.12	3.25
2024-06-30	9.15	3.14	3.37
2024-03-31	8.97	3.23	3.37
2023-12-31	8.79	3.51	3.70
2023-09-30	9.29	3.79	4.01
2023-06-30	9.94	4.05	4.40
2023-03-31	12.17	3.90	4.23
2022-12-31	18.31	4.08	4.28
2022-09-30	19.58	4.36	4.57
2022-06-30	21.89	4.78	5.25
2022-03-31	18.29	4.97	5.51
2021-12-31	20.70	5.27	5.74
2021-09-30	20.70	5.27	5.74
2020-12-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.16.
The ebit (3y)/ev for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.17.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.16	0.17
2025-03-31	0.18	0.17
2024-12-31	0.20	0.16
2024-09-30	0.18	0.14
2024-06-30	0.18	0.13
2024-03-31	0.19	0.15
2023-12-31	0.20	0.13
2023-09-30	0.19	0.11
2023-06-30	0.17	0.10
2023-03-31	0.15	0.10
2022-12-31	0.12	0.08
2022-09-30	0.10	0.09
2022-06-30	0.09	0.07
2022-03-31	0.10	0.07
2021-12-31	0.10	0.03
2021-09-30	0.10	0.06
2020-12-31	0.00	0.00

Management Effectiveness

The roa for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.08.
The roe for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.30.
The roic for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.29.
The croic for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is -0.07.
The ocroic for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.18.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.08	0.30	0.29	-0.07	0.18
2025-03-31	0.09	0.31	0.33	-0.02	0.19
2024-12-31	0.10	0.42	0.37	-0.19	0.30
2024-09-30	0.10	0.42	0.34	-0.45	0.21
2024-06-30	0.10	0.39	0.34	-0.45	0.21
2024-03-31	0.09	0.40	0.36	-0.54	0.25
2023-12-31	0.10	0.44	0.40	-0.58	0.28
2023-09-30	0.10	0.46	0.41	-0.49	0.32
2023-06-30	0.08	0.46	0.41	-0.49	0.32
2023-03-31	0.07	0.41	0.32	-0.20	0.38
2022-12-31	0.06	0.29	0.22	0.19	0.45
2022-09-30	0.05	0.29	0.22	0.19	0.45
2022-06-30	0.06	0.38	0.22	0.24	0.49
2022-03-31	0.08	0.45	0.27	0.97	0.48
2021-12-31			0.25	0.89	0.52
2021-09-30			0.25	0.89	0.52
2020-12-31

Gross Margins

The gross margin for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.77.
The net margin for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.13.
The operating margin for Solid Försäkringsaktiebolag (publ) as of 30 June 2025 is 0.16.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.77	0.13	0.16
2025-03-31	0.77	0.13	0.17
2024-12-31	0.77	0.14	0.19
2024-09-30	0.77	0.14	0.19
2024-06-30	0.77	0.14	0.19
2024-03-31	0.78	0.14	0.18
2023-12-31	0.78	0.14	0.18
2023-09-30	0.79	0.14	0.18
2023-06-30	0.79	0.14	0.18
2023-03-31	0.78	0.12	0.15
2022-12-31	0.78	0.08	0.11
2022-09-30	0.77	0.08	0.11
2022-06-30	0.77	0.08	0.10
2022-03-31	0.78	0.09	0.12
2021-12-31	0.77	0.08	0.16
2021-09-30	0.77	0.08	0.16
2020-12-31