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Solid Försäkringsaktiebolag (publ) (SFAB.ST)

SEK95.80 0.00 (+0.00%)
SE STO Financial Services Insurance - Specialty
Address Landskronavägen 23 25022
Helsingborg, SE
CEO Marcus Tillberg
Website solidab.se
IPO 2021-12-01
ISIN SE0017082548

Explore sections of this company profile

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: Personal Safety, Product, and Assistance. The company's comprehensive product lineup includes protection for bicycles, consumer electronics, income, payment defaults, identity theft, and personal accidents. It also offers extensive travel and cancellation insurance, all-risk policies, various assistance services, and specialized insurance tied to vehicle warranties and the travel industry. Moreover, Solid provides deductible protection for appliances, garden tools, spectacles, watches, and jewelry. These offerings are distributed through a variety of channels, including retail chains, banking and credit institutions, travel agencies, and car dealerships, as well as directly to consumers. Founded in 1993, the firm's headquarters are located in Helsingborg, Sweden.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
SEK95.80 0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
35.1K
Beta
0.65
Float Shares
13.92M
Free Float %
78.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.20% +3.36% +5.96% -6.46% +37.21% +16.82% +26.12% +53.17% +68.55% +68.55% +68.55%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
95.80
DCF (Unlevered) 181.82 +89.8%
DCF (Levered) 157.75 +64.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
2.56
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Specialty: +11.0%
    -9.7% Q1'26: -9.0% (vs Q1'25)
  • EPS growth Insurance - Specialty: +18.3%
    -7.6% Q1'26: -29.1% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Specialty: +39.7%
    +19.5% Q1'26: +14.7% (vs Q1'25)
  • EBIT margin Insurance - Specialty: +18.3%
    +16.6% Q1'26: +11.0% (vs Q1'25)
  • ROIC Insurance - Specialty: +10.3%
    +57.7% Q1'26: +38.9% (vs Q1'25)
  • Share dilution Insurance - Specialty: +0.5%
    -2.1% Q1'26: -1.8% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Specialty: 0.25×
    0.00× Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.65) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 181.82 Current price: 95.80
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
1.04B
est: 1.01B (+2.6%)
1.11B
est: 1.10B (+0.9%)
1.21B
est: 1.10B (+10.7%)
1.25B
est: 1.13B (+10.6%)
1.13B
est: 1.06B (+6.8%)
1.07B
1.07B – 1.07B
+1.0% YoY
1.12B
1.12B – 1.12B
+4.7% YoY
1.17B
1.17B – 1.17B
+4.7% YoY
EBITDA
161.66M
est: 159.81M (+1.2%)
146.37M
est: 173.22M (-15.5%)
226.89M
est: 172.75M (+31.3%)
218.97M
est: 184.81M (+18.5%)
187.94M
est: 172.90M (+8.7%)
174.69M
174.69M – 174.69M
+1.0% YoY
182.85M
182.85M – 182.85M
+4.7% YoY
191.49M
191.49M – 191.49M
+4.7% YoY
EBIT
151.65M
est: 152.20M (-0.4%)
139.54M
est: 164.97M (-15.4%)
220.02M
est: 164.52M (+33.7%)
211.92M
est: 178.67M (+18.6%)
187.94M
est: 167.16M (+12.4%)
168.89M
168.89M – 168.89M
+1.0% YoY
176.78M
176.78M – 176.78M
+4.7% YoY
185.14M
185.14M – 185.14M
+4.7% YoY
Net Income
119.98M
est: 121.46M (-1.2%)
110.66M
est: 95.26M (+16.2%)
165.36M
est: 161.95M (+2.1%)
164.71M
est: 176.06M (-6.4%)
149.04M
est: 151.68M (-1.7%)
139.13M
139.13M – 139.13M
-8.3% YoY
167.63M
167.63M – 167.63M
+20.5% YoY
180.72M
180.72M – 180.72M
+7.8% YoY
SGA
110.25M
est: 100.47M (+9.7%)
103.71M
est: 108.90M (-4.8%)
116.93M
est: 108.60M (+7.7%)
124.74M
est: 115.99M (+7.5%)
131.57M
est: 108.52M (+21.2%)
109.65M
109.65M – 109.65M
+1.0% YoY
114.77M
114.77M – 114.77M
+4.7% YoY
120.19M
120.19M – 120.19M
+4.7% YoY
EPS
6.00
est: 6.63 (-9.5%)
5.54
est: 5.20 (+6.5%)
8.67
est: 8.84 (-1.9%)
8.99
est: 9.82 (-8.5%)
8.31
est: 8.46 (-1.8%)
7.76
7.76 – 7.76
-8.3% YoY
9.35
9.35 – 9.35
+20.5% YoY
10.08
10.08 – 10.08
+7.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-28 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-27 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-26 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-25 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-22 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-21 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-20 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-19 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-18 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-15 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-13 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-12 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-11 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-08 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-07 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-06 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-05 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-05-04 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-30 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-29 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-28 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-27 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-24 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-23 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-22 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-21 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-20 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-17 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-16 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-3.48M
OE per share TTM
-0.16
Owner's Yield
-0.19%
Maintenance CapEx ratio
0.01%
Maint CapEx / Avg PPE
0.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 7 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares OMX Stockholm Capped UCITS ETF OM3X.DE 0.01% 23.4K 0.10%
2 Dimensional - International Small Cap ETF DFIS 0.00% 158.8K 0.39%
3 Dimensional - International Core Equity 2 ETF DFIC 0.00% 147.8K 0.22%
4 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 95.6K 0.28%
5 Dimensional - International Vector Equity ETF DXIV 0.00% 358.39 0.53%
6 Avantis International Equity ETF AVDE 0.00% 15.3K 0.23%
7 Dimensional - International Core Equity Market ETF DFAI 0.00% 0.18%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.65M
Shares Outstanding
17.72M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Marcus Tillberg Chief Executive Officer 4M male
Johan Hahnel Head of Investor Relations male
Jonatan Heberlein Head of Legal male
Kristina Bagge Head of Human Resources & Sustainability female
Magnus Olander Chief Commercial Officer male
Patrik Jonsson Chief Information Officer male
Robert Olsson Head of Operations male
Sofia Andersson Chief Financial Officer female
Jessica Kjessle Compliance Officer
Tom Persson Actuary
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits