Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Solid Försäkringsaktiebolag is a Sweden-based niche non-life insurance company founded in 1993 and headquartered in Helsingborg. It specializes in specialized insurance products distributed primarily through partners such as retail chains, banks, credit institutions, travel agents, and car dealerships in a B2B2C model, serving over 2.3 million customers mainly in the Nordic region with some European presence. The company operates across three key segments: Product, offering all-risk coverage and deductible elimination for items like bicycles, consumer electronics, garden tools, glasses, watches, and jewelry; Personal Safety, the largest at around 40% of business, providing income, payment protection, and accident insurance; and Assistance, including roadside aid linked to vehicle warranties, travel insurance, and deductible assistance. Sweden accounts for about 60% of gross premiums, followed by Denmark, Norway, and Finland at 30%, emphasizing its regional focus in multiline insurance and brokers sector with 78 employees. Solid Försäkringsaktiebolag went public in 2021 after a spin-off from Resurs Holding, pursuing growth via organic expansion and bolt-on acquisitions while maintaining a dividend policy targeting 50% of net income.
kr 9.29
kr 0.03 (-0.32%)
EOD Jun 25, 2026 · Twelve Data
Net margin is thin at 12.78%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 7.0% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
1.2x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
kr 1.14B
▼ -7.0% YoY
Net Income (TTM)
kr 139M
▼ -9.5% YoY
Net Margin
12.23%
P/E
1.2x
Balance Sheet
Total Assets
kr 1.65B
Equity
kr 534M
Total Debt
kr 0.00
Cash & Equiv.
kr 276M
3Y CAGR: +1.7%
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At a P/E of 1.2 and a price-to-free-cash-flow of 0.8, Solid Försäkringsaktiebolag (SFAB.XSTO) trades below a two-stage DCF intrinsic value of about SEK 256.80 per share, so at SEK 9.29 the stock looks undervalued (2,664.3% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Solid Försäkringsaktiebolag scores 84/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 54.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about SEK 256.80 per share for SFAB.XSTO, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around SEK 192.60. At today's SEK 9.29, that puts the stock about 2,664.3% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Solid Försäkringsaktiebolag scores 84 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Solid Försäkringsaktiebolag pays a regular dividend of about SEK 5.08 per share per year (typically in quarterly installments), a yield of roughly 54.7% at the current price. That is a payout ratio of about 64.6% of earnings, so the dividend is well covered. Solid Försäkringsaktiebolag has grown the dividend at roughly 28.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For SFAB.XSTO's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. SFAB.XSTO currently trades below its estimated intrinsic value and scores 84/100 on quality (high-quality). It also yields about 54.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.