Sampo Oyj
Market Cap
€22.6b
Last Updated
2021/08/02 17:56 UTC
Data Sources
Company Financials +
Executive Summary
Sampo Oyj, through its subsidiaries, provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries. More Details
Rewards
Risk Analysis
Earnings are forecast to decline by an average of 3.2% per year for the next 3 years
Snowflake Analysis
Adequate balance sheet average dividend payer.
Similar Companies
Share Price & News
How has Sampo Oyj's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SAMPO is less volatile than 75% of Finnish stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: SAMPO's weekly volatility (2%) has been stable over the past year.
Market Performance
7 Day Return
-0.6%
SAMPO
-0.2%
FI Insurance
-1.0%
FI Market
1 Year Return
29.8%
SAMPO
19.5%
FI Insurance
36.2%
FI Market
Return vs Industry: SAMPO exceeded the Finnish Insurance industry which returned 19.5% over the past year.
Return vs Market: SAMPO underperformed the Finnish Market which returned 36.2% over the past year.
Shareholder returns
| SAMPO | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.6% | -0.2% | -1.0% |
| 30 Day | 3.4% | -0.4% | 4.0% |
| 90 Day | 4.2% | -3.7% | 8.0% |
| 1 Year | 35.4%29.8% | 26.7%19.5% | 40.2%36.2% |
| 3 Year | 12.3%-5.5% | 19.2%1.3% | 47.0%25.1% |
| 5 Year | 40.8%6.4% | 67.0%28.2% | 88.6%50.4% |
Long-Term Price Volatility Vs. Market
How volatile is Sampo Oyj's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall St
How Many Sampo Oyj (HEL:SAMPO) Shares Do Institutions Own?1 month ago | Simply Wall St
Did You Miss Sampo Oyj's (HEL:SAMPO) 26% Share Price Gain?2 months ago | Simply Wall St
Don't Race Out To Buy Sampo Oyj (HEL:SAMPO) Just Because It's Going Ex-DividendValuation
Is Sampo Oyj undervalued compared to its fair value and its price relative to the market?
42.1%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SAMPO (€40.77) is trading below our estimate of fair value (€70.37)
Significantly Below Fair Value: SAMPO is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SAMPO is poor value based on its PE Ratio (65.1x) compared to the European Insurance industry average (13.8x).
PE vs Market: SAMPO is poor value based on its PE Ratio (65.1x) compared to the Finnish market (26.1x).
Price to Earnings Growth Ratio
PEG Ratio: SAMPO's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: SAMPO is overvalued based on its PB Ratio (1.9x) compared to the XE Insurance industry average (1x).
Future Growth
How is Sampo Oyj forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
-3.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SAMPO's earnings are forecast to decline over the next 3 years (-3.2% per year).
Earnings vs Market: SAMPO's earnings are forecast to decline over the next 3 years (-3.2% per year).
High Growth Earnings: SAMPO's earnings are forecast to decline over the next 3 years.
Revenue vs Market: SAMPO's revenue is expected to decline over the next 3 years (-17.9% per year).
High Growth Revenue: SAMPO's revenue is forecast to decline over the next 3 years (-17.9% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SAMPO's Return on Equity is forecast to be low in 3 years time (13.3%).
Past Performance
How has Sampo Oyj performed over the past 5 years?
-17.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SAMPO has high quality earnings.
Growing Profit Margin: SAMPO's current net profit margins (3%) are lower than last year (11.2%).
Past Earnings Growth Analysis
Earnings Trend: SAMPO's earnings have declined by 17.7% per year over the past 5 years.
Accelerating Growth: SAMPO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SAMPO had negative earnings growth (-61.8%) over the past year, making it difficult to compare to the Insurance industry average (-2.1%).
Return on Equity
High ROE: SAMPO's Return on Equity (3.8%) is considered low.
Financial Health
How is Sampo Oyj's financial position?
Financial Position Analysis
Short Term Liabilities: SAMPO's short term assets (€11.3B) exceed its short term liabilities (€773.0M).
Long Term Liabilities: SAMPO's short term assets (€11.3B) do not cover its long term liabilities (€45.8B).
Debt to Equity History and Analysis
Debt Level: SAMPO's debt to equity ratio (38.6%) is considered satisfactory.
Reducing Debt: SAMPO's debt to equity ratio has increased from 21.7% to 38.6% over the past 5 years.
Debt Coverage: SAMPO's debt is well covered by operating cash flow (30.1%).
Interest Coverage: SAMPO's interest payments on its debt are well covered by EBIT (3.7x coverage).
Balance Sheet
Dividend
What is Sampo Oyj current dividend yield, its reliability and sustainability?
4.17%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SAMPO's dividend (4.17%) is higher than the bottom 25% of dividend payers in the Finnish market (1.64%).
High Dividend: SAMPO's dividend (4.17%) is in the top 25% of dividend payers in the Finnish market (3.48%)
Stability and Growth of Payments
Stable Dividend: SAMPO's dividend payments have been volatile in the past 10 years.
Growing Dividend: SAMPO's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (271.6%), SAMPO's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SAMPO's dividends in 3 years are forecast to be covered by earnings (87.1% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.6yrs
Average management tenure
CEO
Torbjorn Magnusson (58 yo)
1.58yrs
Tenure
€1,314,000
Compensation
Mr. Torbjorn Magnusson has been the Group President and Chief Executive Officer of Sampo Oyj since January 01, 2020. Mr. Magnusson serves as Director at Hastings Group Holdings Limited since November 16, 2...
Leadership Team
Experienced Management: SAMPO's management team is considered experienced (2.6 years average tenure).
Board Members
Experienced Board: SAMPO's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Sampo Oyj's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Sampo Oyj
- Ticker: SAMPO
- Exchange: HLSE
- Founded: 1909
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €22.558b
- Shares outstanding: 555.35m
- Website: https://www.sampo.com
Number of Employees
Location
- Sampo Oyj
- Fabianinkatu 27
- Helsinki
- Uusimaa
- 100
- Finland
Listings
Biography
Sampo Oyj, through its subsidiaries, provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries. It operates through If, Topdanmark, Mandatum, ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/08/02 17:56 |
| End of Day Share Price | 2021/08/02 00:00 |
| Earnings | 2021/03/31 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.