Solid Forsakringsaktiebolag (SFAB) AI Stock Analysis

• Market Cap: kr1.89B
• Dividend Yield: 5.9%
• Average Volume (3M): 12.99K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.44
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: SE
• Employees: 71
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 2.15
• Shares Outstanding: 18,128,403
• 10 Day Avg. Volume: 14,867
• 30 Day Avg. Volume: 12,989
• PEG Ratio: -1.37
• Price to Book (P/B): 2.90
• Price to Sales (P/S): 1.37
• P/FCF Ratio: 22.07
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 8.46
• Revenue Forecast (FY): kr1.08B

• Rating: 80 Outperform
• Price Target: kr119.00 ▲(37.10% Upside)
• Action: Reiterated Date: 02/18/26
• Date: Action: Reiterated 02/18/26

The score is driven primarily by strong financial performance (notably a debt-free balance sheet and solid profitability). Valuation is supportive with a moderate P/E and high dividend yield. Technicals are positive on trend, but overbought momentum signals increase short-term risk, slightly tempering the overall score.

Positive Factors

Debt-free Balance Sheet

A zero-debt balance sheet is a durable competitive advantage for an insurer: it lowers insolvency and refinancing risk, preserves capital for underwriting and reserves through cycles, and provides long-term financial flexibility to pursue growth or return capital without raising leverage.

Negative Factors

Top-line Contraction

A material decline in revenue growth weakens scale and underwriting leverage. Sustained top-line contraction can pressure expense absorption, reduce earnings upside, and constrain reserve and capital accumulation, making it harder to sustain prior growth and returns over coming quarters.

Solid Forsakringsaktiebolag Business Overview & Revenue Model

Company Description

Solid Försäkringsaktiebolag (publ) provides non-life insurance products for private individuals in Sweden, Denmark, Norway, Finland, and the rest of Europe. It operates in three segments: Personal Safety, Product, and Assistance. The company offer...

Read more

Solid Försäkringsaktiebolag (publ) provides non-life insurance products for private individuals in Sweden, Denmark, Norway, Finland, and the rest of Europe. It operates in three segments: Personal Safety, Product, and Assistance. The company offer...

How the Company Makes Money

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Solid Forsakringsaktiebolag Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.13B	1.25B	1.21B	1.11B	1.04B
Gross Profit	857.38M	649.57M	628.20M	496.19M	502.80M
EBITDA	187.94M	218.97M	226.89M	146.37M	161.66M
Net Income	149.04M	164.71M	165.36M	110.66M	119.98M
Balance Sheet
Total Assets	1.65B	1.74B	1.80B	1.79B	1.62B
Cash, Cash Equivalents and Short-Term Investments	275.75M	343.86M	353.42M	603.86M	613.14M
Total Debt	0.00	0.00	0.00	0.00	0.00
Total Liabilities	1.12B	1.24B	1.34B	1.38B	1.29B
Stockholders Equity	533.87M	504.38M	459.67M	411.48M	327.41M
Cash Flow
Free Cash Flow	70.11M	113.08M	104.23M	184.65M	162.80M
Operating Cash Flow	70.11M	123.08M	113.42M	184.86M	163.06M
Investing Cash Flow	-9.98M	-9.28M	-235.65M	-173.96M	173.28M
Financing Cash Flow	-122.64M	-121.64M	-117.27M	-26.75M	-59.00M

Solid Forsakringsaktiebolag Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SFAB	80 Outperform	kr1.89B	10.38	―	5.90%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NORION	54 Neutral	kr10.59B	9.63	―	―	0.78%	13.82%