(SAMPO) Sampo - HE
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: HE (Finland) | Market Cap: 24.178m EUR | Total Return: 3.3% in 12m
Avg Turnover: 40.7M
EPS Trend: 84.9%
Qual. Beats: -1
Rev. Trend: 34.4%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
Sampo Oyj is a Helsinki-based financial services group specializing in non-life insurance across Northern Europe and the United Kingdom. The company operates through established brands including If, Topdanmark, and Hastings, providing property and casualty coverage to private, commercial, and industrial clients. Its geographic footprint spans the Nordic and Baltic regions, as well as several major Western European markets.
The company utilizes a multi-brand strategy to maintain localized market share while benefiting from centralized underwriting expertise. In the Nordic insurance sector, high barriers to entry and strong customer retention rates typically contribute to more stable loss ratios compared to broader European markets. Further analysis of these operational metrics is available on ValueRay for those conducting deeper due diligence.
Founded in 1909, Sampo has evolved from a diversified financial conglomerate into a focused pure-play insurer. This business model prioritizes technical underwriting profitability and investment income from its premium float to drive shareholder value.
- Nordic P&C insurance combined ratios drive underwriting profitability and margins
- Hastings UK motor insurance pricing and claims inflation impact earnings
- Capital returns through dividends and buybacks follow Mandatum demerger
- Topdanmark acquisition integration accelerates Nordic market consolidation and synergy capture
| Net Income: 1.67b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -4.23 > 1.0 |
| NWC/Revenue: 32.25% < 20% (prev 35.87%; Δ -3.61% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.04b > Net Income 1.67b |
| Net Debt (1.74b) to EBITDA (2.30b): 0.76 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (2.66b) vs 12m ago -1.32% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 43.91% > 50% (prev 37.97%; Δ 5.94% > 0%) |
| Interest Coverage Ratio: 26.41 > 6 (EBIT TTM 2.09b / Interest Expense TTM 79.0m) |
| A: 0.14 (Total Current Assets 3.73b - Total Current Liabilities 0.0) / Total Assets 26.6b |
| B: 0.18 (Retained Earnings 4.87b / Total Assets 26.6b) |
| C: 0.08 (EBIT TTM 2.09b / Avg Total Assets 26.3b) |
| D: 0.41 (Book Value of Equity 7.77b / Total Liabilities 18.9b) |
| Altman-Z'' = 2.48 = A |
| DSRI: 3.0 (Receivables 2.45b/163.0m, Revenue 11.6b/9.87b) |
| GMI: 1.00 (GM 99.99% / 99.96%) |
| AQI: 1.02 (AQ_t 0.85 / AQ_t-1 0.83) |
| SGI: 1.17 (Revenue 11.6b / 9.87b) |
| TATA: 0.02 (NI 1.67b - CFO 1.04b) / TA 26.6b) |
| Beneish M = -1.24 (Cap -4..+1) = D |
As of June 20, 2026, the stock is trading at EUR 9.01 with a total of 15,081,480 shares traded.
Over the past week, the price has changed by -0.33%,
over one month by -1.29%,
over three months by -1.49% and
over the past year by +3.28%.
Sampo has no consensus analysts rating.
P/E Trailing = 14.9902
P/E Forward = 15.949
P/S = 2.2655
P/B = 2.9287
P/EG = 31.8877
Revenue TTM = 11.6b EUR
EBIT TTM = 2.09b EUR
EBITDA TTM = 2.30b EUR
Long Term Debt = 2.43b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.02b EUR (from shortLongTermDebtTotal, last quarter) + Leases 151.0m
Net Debt = 1.74b EUR (calculated: Debt 3.02b - CCE 1.27b)
Enterprise Value = 25.9b EUR (24.2b + Debt 3.02b - CCE 1.27b)
Interest Coverage Ratio = 26.41 (Ebit TTM 2.09b / Interest Expense TTM 79.0m)
EV/FCF = 31.01x (Enterprise Value 25.9b / FCF TTM 836.0m)
FCF Yield = 3.23% (FCF TTM 836.0m / Enterprise Value 25.9b)
FCF Margin = 7.24% (FCF TTM 836.0m / Revenue TTM 11.6b)
Net Margin = 14.42% (Net Income TTM 1.67b / Revenue TTM 11.6b)
Gross Margin = unknown ((Revenue TTM 11.6b - Cost of Revenue TTM 5.00m) / Revenue TTM)
Tobins Q-Ratio = 0.97 (Enterprise Value 25.9b / Total Assets 26.6b)
Interest Expense / Debt = 2.62% (Interest Expense 79.0m / Debt 3.02b)
Taxrate = 20.11% (420.0m / 2.09b)
NOPAT = 1.67b (EBIT 2.09b * (1 - 20.11%))
Current Ratio = unknown (Total Current Assets 3.73b / Total Current Liabilities 0.0)
Debt / Equity = 0.39 (Debt 3.02b / totalStockholderEquity, last quarter 7.77b)
Debt / EBITDA = 0.76 (Net Debt 1.74b / EBITDA 2.30b)
Debt / FCF = 2.08 (Net Debt 1.74b / FCF TTM 836.0m)
Total Stockholder Equity = 7.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.33% (Net Income 1.67b / Total Assets 26.6b)
RoE = 22.16% (Net Income TTM 1.67b / Total Stockholder Equity 7.52b)
RoCE = 20.98% (EBIT 2.09b / Capital Employed (Equity 7.52b + L.T.Debt 2.43b))
RoIC = 8.23% (EBIT 2.09b / (Assets 26.6b - Curr.Liab 0.0 - Cash 1.27b))
WACC = 5.51% (E(24.2b)/V(27.2b) * Re(5.94%) + D(3.02b)/V(27.2b) * Rd(2.62%) * (1-Tc(0.20)))
Discount Rate = 5.94% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 49.44 | Cagr: 109.7%
[DCF] Terminal Value 73.10% ; FCFF base≈1.27b ; Y1≈1.11b ; Y5≈898.1m
[DCF] Fair Price = 4.79 (EV 14.4b - Net Debt 1.74b = Equity 12.7b / Shares 2.64b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 84.87 | EPS CAGR: 13.32% | SUE: -2.04 | # QB: -1
Revenue Correlation: 34.37 | Revenue CAGR: 3.06% | SUE: 0.20 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.16 | Chg30d=+14.45% | Revisions=N/A | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.15 | Chg30d=+0.00% | Revisions=N/A | Analysts=4
EPS current Year (2026-12-31): EPS=0.54 | Chg30d=-2.48% | Revisions=-14% | GrowthEPS=+8.4% | GrowthRev=+6.6%
EPS next Year (2027-12-31): EPS=0.61 | Chg30d=+0.21% | Revisions=+0% | GrowthEPS=+12.7% | GrowthRev=+5.3%
[Analyst] Revisions Ratio: -14%