SAMPO Stock Analysis: Sampo | HE
Insurance - Diversified | HE, Finland | Market Cap: 23.305m EUR | 12M Return: -8.5% | FI4000552500 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 44.0M
EPS Trend: 96.0%
Qual. Beats: -1
Rev. Trend: 57.3%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Sampo Oyj is a Helsinki-based insurance group founded in 1909 that provides property and casualty (non-life) insurance products and services across more than a dozen European markets, with a primary footprint in the Nordic region and an expanding presence in the United Kingdom. The company reports through four operating segments-Private Nordic, Private UK, Nordic Commercial, and Nordic Industrial-and distributes its offerings under three principal brand names: If (Nordics), Topdanmark (Denmark), and Hastings (UK). Its product portfolio spans personal, commercial, and specialty lines, including motor, household, travel, marine, aviation, workers compensation, and reinsurance coverage.
As a multi-line insurer operating in the GICS Financials sector, Sampo earns revenue primarily through underwriting premiums on its diversified book of policies and through investment income generated from the float (reserves held against future claims). Its segment mix of retail, commercial, and industrial business provides exposure to multiple customer bases and risk pools, which can help smooth underwriting results across economic and weather-driven cycles.
- Hastings UK motor combined ratio improves on pricing actions
- Massive buyback program continues after Mandatum life sale
- Nordic commercial pricing hardens boosting underwriting margins
| Net Income: 1.71b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -0.71 > 1.0 |
| NWC/Revenue: 34.00% < 20% (prev 6.98%; Δ 27.02% < -1%) |
| CFO/TA 0.06 > 3% & CFO 1.64b > Net Income 1.71b |
| Net Debt (1.83b) to EBITDA (2.36b): 0.78 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (2.66b) vs 12m ago 1.90% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 46.62% > 50% (prev 41.05%; Δ 5.58% > 0%) |
| Interest Coverage Ratio: 27.82 > 6 (EBIT TTM 2.14b / Interest Expense TTM 77.0m) |
| A: 0.15 (Total Current Assets 4.06b - Total Current Liabilities 0.0) / Total Assets 26.4b |
| B: 0.15 (Retained Earnings 4.03b / Total Assets 26.4b) |
| C: 0.08 (EBIT TTM 2.14b / Avg Total Assets 25.6b) |
| D: 0.35 (Book Value of Equity 6.90b / Total Liabilities 19.5b) |
| Altman-Z'' = 2.44 = A |
| DSRI: 3.0 (Receivables 2.54b/163.0m, Revenue 11.9b/10.2b) |
| GMI: 1.00 (GM 99.99% / 99.96%) |
| AQI: 0.89 (AQ_t 0.83 / AQ_t-1 0.94) |
| SGI: 1.17 (Revenue 11.9b / 10.2b) |
| TATA: 0.00 (NI 1.71b - CFO 1.64b) / TA 26.4b) |
| Beneish M = -1.32 (Cap -4..+1) = D |
As of October 10, 2026, the stock is trading at EUR 8.72 with a total of 3,563,000 shares traded. Over the past week, the price has changed by -1.29%, over one month by -8.52%, over three months by -7.63% and over the past year by -8.46%.
Current recommended Stop Loss: 8.50 (which is 2.5% or 1.7 ATR below the current price).
Sampo has no consensus analysts rating.
P/E Trailing = 13.8281
P/E Forward = 15.7233
P/S = 2.1398
P/B = 3.1587
P/EG = 31.4571
Revenue TTM = 11.9b EUR
EBIT TTM = 2.14b EUR
EBITDA TTM = 2.36b EUR
Long Term Debt = 2.55b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.34b EUR (from shortLongTermDebtTotal, last quarter) + Leases 151.0m
Net Debt = 1.83b EUR (calculated: Debt 3.34b - CCE 1.51b)
Enterprise Value = 25.1b EUR (23.3b + Debt 3.34b - CCE 1.51b)
Interest Coverage Ratio = 27.82 (Ebit TTM 2.14b / Interest Expense TTM 77.0m)
EV/FCF = 17.19x (Enterprise Value 25.1b / FCF TTM 1.46b)
FCF Yield = 5.82% (FCF TTM 1.46b / Enterprise Value 25.1b)
FCF Margin = 12.26% (FCF TTM 1.46b / Revenue TTM 11.9b)
Net Margin = 14.34% (Net Income TTM 1.71b / Revenue TTM 11.9b)
Gross Margin = unknown ((Revenue TTM 11.9b - Cost of Revenue TTM 5.00m) / Revenue TTM)
Tobins Q-Ratio = 0.95 (Enterprise Value 25.1b / Total Assets 26.4b)
Interest Expense / Debt = 2.30% (Interest Expense 77.0m / Debt 3.34b)
Taxrate = 20.22% (434.0m / 2.15b)
NOPAT = 1.71b (EBIT 2.14b * (1 - 20.22%))
Current Ratio = unknown (Total Current Assets 4.06b / Total Current Liabilities 0.0)
Debt / Equity = 0.48 (Debt 3.34b / totalStockholderEquity, last quarter 6.90b)
Debt / EBITDA = 0.78 (Net Debt 1.83b / EBITDA 2.36b)
Debt / FCF = 1.25 (Net Debt 1.83b / FCF TTM 1.46b)
Total Stockholder Equity = 7.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.69% (Net Income 1.71b / Total Assets 26.4b)
RoE = 22.71% (Net Income TTM 1.71b / Total Stockholder Equity 7.53b)
RoCE = 21.25% (EBIT 2.14b / Capital Employed (Equity 7.53b + L.T.Debt 2.55b))
RoIC = 8.62% (EBIT 2.14b / (Assets 26.4b - Curr.Liab 0.0 - Cash 1.51b))
WACC = 5.18% (E(23.3b)/V(26.6b) * Re(5.66%) + D(3.34b)/V(26.6b) * Rd(2.30%) * (1-Tc(0.20)))
Discount Rate = 5.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 58.00 | Cagr: 109.7%
[DCF] Terminal Value 74.61% ; FCFF base≈1.50b ; Y1≈1.43b ; Y5≈1.37b
[DCF] Fair Price = 7.49 (EV 21.6b - Net Debt 1.83b = Equity 19.7b / Shares 2.63b; r=8.35% [WACC [floored]]; 5y FCF grow -5.86% → 2.50% )
EPS Correlation: 95.98 | EPS CAGR: 12.27% | SUE: -2.44 | # QB: -1
Revenue Correlation: 57.28 | Revenue CAGR: 5.55% | SUE: 0.94 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.14 | Chg30d=-10.36% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=0.56 | Chg30d=-0.66% | Revisions=+0% | GrowthEPS=+11.9% | GrowthRev=+7.4%
EPS next Year (2027-12-31): EPS=0.61 | Chg30d=+0.46% | Revisions=+25% | GrowthEPS=+9.4% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: +25% (up=1, down=0)