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Sampo Oyj (SAMPO.HE)

EUR9.01 -0.03 (-0.31%)
FI HEL Financial Services Insurance - Diversified
Address Fabianinkatu 27 100
Helsinki, FI
CEO Morten Thorsrud
Website sampo.com
IPO 2000-01-03
ISIN FI4000552500

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Also trades on CBOE Europe · SAMPOH.XD (EUR) NASDAQ Helsinki · SAMPO.HE (EUR) Other OTC · SAXPF (USD) Other OTC · SAXPY (USD) Stockholm Stock Exchange · SAMPO-SDB.ST (SEK)
Description

Sampo Oyj is a prominent Finnish financial services group providing a wide array of life and non-life insurance products and services. Operating through key segments like If, Topdanmark, Hastings, Mandatum, and Holding, its geographical reach extends across Finland, Sweden, Norway, Denmark, and the Baltic countries. The company's diverse non-life insurance offerings include coverage for household, property, motor vehicles (cars, vans, bikes), personal accidents, travel, boats, forests, livestock, and cargo. Furthermore, Sampo offers life insurance, individual and group pension schemes, home and contents protection, health-related coverage (illness), animal insurance, electronics protection, change of ownership policies, workers' compensation, rewards programs, and specialized marine, aviation, and transport insurance. Complementing its core insurance business, Sampo Oyj also delivers comprehensive wealth management and asset management services. This Helsinki-based company has been a cornerstone of the financial sector since its establishment in 1909.

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
EUR9.01 -0.03 (-0.31%)
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Volume Profile
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Liquidity & share structure
Average Volume
4M
Beta
0.24
Float Shares
2.45B
Free Float %
92.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.47% -0.18% -4.97% -0.40% -11.13% -12.95% -2.47% -3.00% +9.24% +15.02% +471.41%
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
9.01
DCF (Unlevered) 20.36 +125.8%
DCF (Levered) 5.20 -42.3%

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) 57% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 5 +1
Hold 6 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.88
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
4 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
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 - Diversified: +15.2%
    +8.1% Q1'26: -26.4% (vs Q1'25)
  • ✓
    EPS growth Insurance - Diversified: +25.3%
    +64.4% ★ Q1'26: -115.7% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Diversified: +30.2%
    +24.2% ★ Q1'26: 0.0% (vs Q1'25)
  • ✓
    EBIT margin Insurance - Diversified: +13.5%
    +24.4% ★ Q1'26: +2.1% (vs Q1'25)
  • ✓
    ROIC Insurance - Diversified: +4.2%
    +22.0% ★ Q1'26: +1.3% (vs Q1'25)
  • ✗
    Share dilution Insurance - Diversified: +0.0%
    +5.5% Q1'26: -1.3% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    1.07× Q1'26: 6.82× (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 (0.23) × ERP
WACC = 89% × Ke + 11% × Kd (4.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 20.00 Current price: 9.01
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 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
9 Rev. Ana.
9 EPS Ana. 		Dec 2027
10 Rev. Ana.
12 EPS Ana. 		Dec 2028
10 Rev. Ana.
12 EPS Ana. 		Dec 2029
5 Rev. Ana.
10 EPS Ana.
Revenue
6.10B
est: 4.42B (+38.1%)
6.23B
est: 4.33B (+43.8%)
6.98B
est: 4.77B (+46.1%)
7.75B
est: 5.80B (+33.6%)
8.53B
est: 5.12B (+66.8%)
8.47B
est: 5.00B (+69.4%)
10.11B
est: 5.57B (+81.5%)
7.70B
est: 5.27B (+46.2%)
8.51B
est: 9.04B (-5.9%)
9.55B
est: 7.69B (+24.1%)
10.32B
est: 8.99B (+14.8%)
9.67B
9.48B – 10.29B
+7.6% YoY
10.22B
9.92B – 10.98B
+5.6% YoY
10.79B
10.76B – 10.83B
+5.6% YoY
11.53B
11.25B – 12.33B
+6.9% YoY
EBITDA
1.96B
est: 969.84M (+102.4%)
1.94B
est: 951.50M (+104.0%)
2.56B
est: 1.05B (+144.5%)
2.17B
est: 1.27B (+70.5%)
1.63B
est: 1.12B (+45.3%)
614.00M
est: 1.10B (-44.0%)
3.50B
est: 1.22B (+186.4%)
2.19B
est: 1.16B (+89.6%)
1.71B
est: 2.33B (-26.6%)
1.84B
est: 1.98B (-7.2%)
2.73B
est: 2.32B (+17.8%)
2.50B
2.45B – 2.65B
+7.6% YoY
2.64B
2.56B – 2.83B
+5.6% YoY
2.78B
2.78B – 2.79B
+5.6% YoY
2.98B
2.90B – 3.18B
+6.9% YoY
EBIT
1.95B
est: 888.20M (+119.2%)
1.92B
est: 871.40M (+120.7%)
2.53B
est: 959.95M (+164.0%)
2.11B
est: 1.17B (+81.1%)
1.55B
est: 1.03B (+51.1%)
492.00M
est: 1.00B (-51.0%)
3.32B
est: 1.12B (+196.0%)
2.02B
est: 1.06B (+90.9%)
1.55B
est: 2.15B (-27.9%)
1.66B
est: 1.83B (-9.3%)
2.52B
est: 2.14B (+17.5%)
2.30B
2.26B – 2.45B
+7.6% YoY
2.43B
2.36B – 2.62B
+5.6% YoY
2.57B
2.56B – 2.58B
+5.6% YoY
2.75B
2.68B – 2.94B
+6.9% YoY
Net Income
1.66B
est: 6.89B (-76.0%)
1.65B
est: 1.29B (+27.7%)
2.22B
est: 1.86B (+19.1%)
1.69B
est: 1.27B (+33.0%)
1.13B
est: 1.05B (+7.3%)
37.00M
est: 888.16M (-95.8%)
2.57B
est: 1.75B (+46.5%)
2.11B
est: 1.33B (+58.9%)
1.32B
est: 6.89B (-80.8%)
1.15B
est: 1.20B (-4.2%)
2.00B
est: 1.42B (+40.9%)
1.22B
1.20B – 1.71B
-13.6% YoY
1.53B
1.49B – 1.71B
+24.7% YoY
1.76B
1.66B – 1.85B
+15.2% YoY
1.97B
1.91B – 2.15B
+12.1% YoY
SGA
43.00M
est: 18.91M (+127.4%)
43.00M
est: 18.55M (+131.8%)
46.00M
est: 20.44M (+125.1%)
57.00M
est: 24.83M (+129.6%)
55.00M
est: 21.90M (+151.1%)
57.00M
est: 21.40M (+166.4%)
63.00M
est: 23.86M (+164.1%)
65.00M
est: 22.55M (+188.3%)
—
est: 26.53M (-100.0%)
—
est: 22.58M (-100.0%)
—
est: 26.38M (-100.0%)
28.39M
27.82M – 30.19M
+7.6% YoY
29.99M
29.10M – 32.21M
+5.6% YoY
31.67M
31.57M – 31.77M
+5.6% YoY
33.85M
33.00M – 36.18M
+6.9% YoY
EPS
0.59
est: 2.69 (-78.1%)
0.59
est: 0.50 (+16.9%)
0.79
est: 0.73 (+8.7%)
0.61
est: 0.50 (+23.2%)
0.41
est: 0.41 (-0.3%)
0.01
est: 0.35 (-96.2%)
0.93
est: 0.68 (+35.9%)
0.54
est: 0.51 (+6.5%)
0.42
est: 2.48 (-83.1%)
0.46
est: 0.45 (+1.8%)
0.75
est: 0.51 (+46.9%)
0.56
0.45 – 0.63
+9.2% YoY
0.60
0.55 – 0.63
+8.2% YoY
0.65
0.62 – 0.69
+8.2% YoY
0.73
0.71 – 0.80
+11.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 B 3/5 3/5 5/5 5/5 1/5 2/5 1/5
2026-05-06 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-05 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-05-04 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-30 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-29 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-28 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-27 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-24 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-23 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-22 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-21 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-20 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-17 A- 4/5 4/5 5/5 5/5 2/5 3/5 1/5
2026-04-16 A- 4/5 4/5 5/5 5/5 2/5 3/5 1/5
2026-04-15 A- 4/5 4/5 5/5 5/5 2/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.69B
OE per share TTM
0.64
Owner's Yield
7.12%
Maintenance CapEx ratio
4.54%
Maint CapEx / Avg PPE
3.6%

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.

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
167.7K
Shares Outstanding
2.66B

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
Morten Thorsrud Group CEO, MD & Member of Group Executive Committee 1M male
Ingrid Janbu Holthe Head of Private Nordic & Member of the Group Executive Committee — female
Johanna Tynkkynen Head of Sustainability — female
Kai Sakari Sotamaa Chief Risk Officer — male
Klas Svensson Head of Nordic Commercial & Member of Group Executive Committee — male
Knut-Arne Alsaker Advisor — male
Lars Kufall Beck Group CFO & Member of Executive Committee — male
Maria Silander Communications Manager, Media Relations — —
Mirko Hurmerinta Manager of Investor Relations — male
Poul Steffensen Head of Nordic Industrial & Member of Group Executive Committee — male
Sami Taipalus Head of Investor Relations — male
Tiina Halmesmäki Chief Legal Officer & Member of Group Executive Committee — female
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

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