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Solid Forsakringsaktiebolag
(SFAB)
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Rating:74Outperform
Price Target:
kr111.00
▲(4.32% Upside)
Action:Reiterated
Date:07/18/26
The score is driven primarily by strong financial quality—especially the debt-free balance sheet and high returns on equity—plus supportive valuation with a high dividend yield and moderate P/E. These positives are tempered by recent revenue contraction and only mixed technical momentum (negative MACD and price slightly below key medium-term averages).
Positive Factors
Debt-free balance sheet
A zero-debt capital structure materially reduces financial risk and preserves strategic flexibility. Over the medium term this supports consistent dividend policy, resilience through insurance cycles, and capacity to underwrite or deploy capital without refinancing pressure.
Negative Factors
Sustained revenue decline
A material multi-period top-line contraction reduces underwriting scale and puts pressure on expense absorption and long-term growth prospects. If persistent, shrinking revenue can erode margins, reduce pricing leverage and impair future capital generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
A zero-debt capital structure materially reduces financial risk and preserves strategic flexibility. Over the medium term this supports consistent dividend policy, resilience through insurance cycles, and capacity to underwrite or deploy capital without refinancing pressure.
Read all positive factors
Solid Forsakringsaktiebolag (SFAB) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr1.92B
Dividend Yield4.88%
Average Volume (3M)14.24K
Price to Earnings (P/E)12.9
Beta (1Y)0.43
Revenue Growth-7.47%
EPS Growth3.61%
CountrySE
Employees77
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)8.34
Shares Outstanding18,128,403
10 Day Avg. Volume15,741
30 Day Avg. Volume14,239
Financial Highlights & Ratios
PEG Ratio-1.37
Price to Book (P/B)2.90
Price to Sales (P/S)1.37
P/FCF Ratio22.07
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)7.84
Revenue Forecast (FY)kr1.06B
Solid Forsakringsaktiebolag Business Overview & Revenue Model
Company Description
Solid Försäkringsaktiebolag (publ) specializes in providing non-life insurance coverage to private individuals across Sweden, Denmark, Norway, Finland, and broader European regions. Its business operations are segmented into three core divisions: ...
How the Company Makes Money
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Solid Forsakringsaktiebolag Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
86
Very Positive
Cash Flow
69
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.34B | 1.13B | 1.25B | 1.21B | 1.11B | 1.04B |
| Gross Profit | 878.37M | 857.38M | 649.57M | 628.20M | 496.19M | 502.80M |
| EBITDA | 187.22M | 187.94M | 218.97M | 226.89M | 146.37M | 161.66M |
| Net Income | 148.52M | 149.04M | 164.71M | 165.36M | 110.66M | 119.98M |
Balance Sheet | ||||||
| Total Assets | 1.57B | 1.65B | 1.74B | 1.80B | 1.79B | 1.62B |
| Cash, Cash Equivalents and Short-Term Investments | 254.18M | 275.75M | 343.86M | 353.42M | 603.86M | 613.14M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.10B | 1.12B | 1.23B | 1.34B | 1.37B | 1.29B |
| Stockholders Equity | 471.37M | 533.87M | 504.38M | 459.67M | 411.48M | 327.41M |
Cash Flow | ||||||
| Free Cash Flow | 216.80M | 70.11M | 113.08M | -123.22M | 184.65M | 162.80M |
| Operating Cash Flow | 216.80M | 70.11M | 123.08M | -114.03M | 184.86M | 163.06M |
| Investing Cash Flow | 67.00K | -9.98M | -9.28M | -8.20M | -173.96M | 173.28M |
| Financing Cash Flow | -143.30M | -122.64M | -121.64M | -117.27M | -26.75M | -59.00M |
Solid Forsakringsaktiebolag Technical Analysis
Positive
106.40
Price Trends
102.48
Positive
101.98
Positive
94.65
Positive
Market Momentum
0.84
Positive
61.82
Neutral
38.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:SFAB, the sentiment is Positive. The current price of 106.4 is above the 20-day moving average (MA) of 104.91, above the 50-day MA of 102.48, and above the 200-day MA of 94.65, indicating a bullish trend. The MACD of 0.84 indicates Positive momentum. The RSI at 61.82 is Neutral, neither overbought nor oversold. The STOCH value of 38.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:SFAB.
Solid Forsakringsaktiebolag Peers Comparison
UnderperformOutperform
Sector (55)
SE:SFAB
Solid Forsakringsaktiebolag
106.60
36.48
52.02%
SE:SE0013486255
Nord Insuretech Group AB
0.64
0.30
86.76%
SE:LEA
Lea Bank AB
13.52
1.85
15.83%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.