SFABNasdaq StockholmFinancialsIFRS · SEK

Solid Försäkringsaktiebolag

Solid Försäkringsaktiebolag is a Swedish insurance company specializing in personal safety, product, and assistance insurance segments. The company has demonstrated strong financial performance, driven by profitable growth in its core segments. Solid Försäkring has been actively expanding its partnerships, particularly in the Swedish market, to enhance its product offerings and customer reach. The company is listed on Nasdaq Stockholm and continues to focus on strategic growth and operational efficiency.

Net income149m SEK
−9.5 %y/y

Fiscal year 2025 · change from previous year

Development 2021–2025

01m SEK20212022202320242025
RevenueOperating profit (EBIT)
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Business

Share of revenue
Personal Safety40 %

Includes payment protection and personal accident insurance

Product30 %

Covers insurance for consumer products

Assistance30 %

Provides car warranty and roadside assistance insurance

Customers

Solid Försäkring serves a diverse range of customers primarily in the Nordic region. Its customer base includes individuals seeking personal safety and payment protection insurance, as well as consumers purchasing product insurance for electronics and other goods. The company also caters to car owners through its assistance insurance offerings, including car warranty services. Solid Försäkring's strategic partnerships with retailers and automotive companies help it reach a broader audience and enhance its market penetration.

Individuals

Buy personal safety and payment protection insurance for security

Retail Consumers

Purchase product insurance for electronics and goods

Car Owners

Use assistance insurance for warranties and roadside help

Strategy

Solid Försäkring's strategy focuses on expanding its market presence through strategic partnerships and enhancing its product offerings. The company aims to drive growth in the personal safety and assistance segments, leveraging new partnerships in the Swedish market. It is also focused on improving operational efficiency and maintaining a strong financial position. The recent divestment of its Swiss branch aligns with its strategy to concentrate on core markets and optimize resource allocation.

Expand strategic partnershipsMedium term

To enhance market presence and product offerings

Focus on core marketsShort term

To optimize resource allocation and improve efficiency

Geography

Q4/2025

Solid Försäkring operates primarily in the Nordic region, with a strong presence in Sweden. The company recently divested its Swiss branch to focus on its core markets. Its strategic partnerships in Sweden have bolstered its market position, particularly in the personal safety segment. The company's geographic focus allows it to leverage regional expertise and maintain a competitive edge in its key markets.

Norway35 %
Finland26 %
Denmark20 %
Other Europe18 %
Switzerland1.0 %

Share of the revenue the company reports by geography.

Risks

Solid Försäkring faces several risks, including market competition and regulatory changes in the insurance industry. The divestment of its Swiss branch highlights the risk of non-core market exposure. Additionally, the company must manage risks related to investment portfolio fluctuations, which can impact financial results. The insurance sector's inherent risks, such as claim volatility and underwriting challenges, also pose potential threats to profitability.

Sorted by severity
Investment portfolio fluctuationsHigh

Affects financial results and stability

Market competitionHigh

Intense competition can pressure margins

Regulatory changesMedium

Can affect operational compliance and costs

Accounting

Judgemental items
Revenue recognition timing

Critical for accurate insurance premium accounting

Impact: high

Fair value measurements

Affects financial instrument valuations

Impact: medium

Publicly listed companies with a comparable business focus.

Last updated: 24/09/2026

Solid Försäkringsaktiebolag (XSTO) – Financials | Financial Analysis – Clarifo