MANTA Share Price Performance
€7.21
1.99 (38.03%)
3.0% overvalued intrinsic discount
€7.00
Fair Value
Price €7.21
AnalystHighTarget €7.00
AnalystConsensusTarget €5.60
AnalystLowTarget €4.70
Fair Value€7.00
Share Pricen/a
Mandatum Oyj Stock Price
- 3 Narratives written by author
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- 28 Fair Values set on narratives written by author
MANTA Community Narratives
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Fair Value €7 3.0% overvalued intrinsic discount
Digital Adoption And Aging Demographics Will Expand Wealth Opportunities
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AN
Fair Value €5.6 28.7% overvalued intrinsic discount
International Expansion Will Pressure Fee Margins But Improve Efficiency
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AN
Fair Value €4.7 53.4% overvalued intrinsic discount
European Regulation And Demographic Aging Will Crush Margins
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European Regulation And Demographic Aging Will Crush Margins
Key Takeaways Dependence on lower-margin client segments and legacy products is constraining profitability and exposing Mandatum to long-term solvency and earnings risks. Rising regulatory costs, yield pressures, and intense fintech competition threaten margin stability and client retention, especially among younger demographics.Read more
7
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€4.7
53.4% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
-13.71% p.a.
Profit Margin
46.83%
Future PE
18.5x
Price in 2029
€5.54
International Expansion Will Pressure Fee Margins But Improve Efficiency
Key Takeaways International expansion is constrained by structurally lower fee margins, rising compliance costs, and limited scale benefits, which may dilute revenue and margin growth. Vulnerability to demographic shifts, volatile investment income, and fintech competition poses downside risks to sustainable revenue, earnings, and market share.Read more
45
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€5.6
28.7% overvalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
-14.43% p.a.
Profit Margin
49.11%
Future PE
21.55x
Price in 2029
€6.6
Digital Adoption And Aging Demographics Will Expand Wealth Opportunities
Key Takeaways Rising demand for retirement and wealth products, combined with digital innovation and efficiency gains, positions Mandatum for sustained revenue growth and improved profitability. Early-stage international expansion and strong capital generation create significant potential for higher shareholder returns and a larger addressable market.Read more
7
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AN
€7
3.0% overvalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
-6.42% p.a.
Profit Margin
40.08%
Future PE
24.98x
Price in 2028
€8.21
Trending Discussion
Recently Updated Narratives
AN
MANTA: Rising Margin Assumptions Will Mask Weaker Revenue Outlook
Fair Value: €4.7 53.4% overvalued intrinsic discount
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AN
MANTA: Continuing Revenue Decline Will Sustain Overvaluation Despite Slightly Richer Future P/E
Fair Value: €5.6 28.7% overvalued intrinsic discount
14 followersusers have followed this narrative
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AN
Digital Adoption And Aging Demographics Will Expand Wealth Opportunities
Fair Value: €7 3.0% overvalued intrinsic discount
1 followerusers have followed this narrative
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Snowflake Analysis
Mandatum Oyj Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
May 08, 2026
- 0.31
- 46.38%
- 32.50%
- 20.9%
About MANTA
- Founded
- 1874
- Employees
- 644
- CEO
- WebsiteView website
Mandatum Oyj provides various financial services in Finland. The company offers asset and wealth management, savings and investment, compensation, and rewards services, as well as pension plans and personal risk insurance solutions. It also operates online trading platform. The company serves corporate, retail, institutional, and wealth management clients. Mandatum Oyj was founded in 1874 and is headquartered in Helsinki, Finland.