SAMPO Stock Overview
Sampo Oyj, through its subsidiaries, provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries.
Sampo Oyj Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€45.07|
|52 Week High||€48.74|
|52 Week Low||€35.85|
|1 Month Change||9.37%|
|3 Month Change||-1.14%|
|1 Year Change||3.21%|
|3 Year Change||22.54%|
|5 Year Change||1.28%|
|Change since IPO||988.39%|
Recent News & Updates
Is Now The Time To Put Sampo Oyj (HEL:SAMPO) On Your Watchlist?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
|SAMPO||FI Insurance||FI Market|
Return vs Industry: SAMPO exceeded the Finnish Insurance industry which returned -7% over the past year.
Return vs Market: SAMPO exceeded the Finnish Market which returned -18.9% over the past year.
|SAMPO Average Weekly Movement||4.1%|
|Insurance Industry Average Movement||4.0%|
|Market Average Movement||5.0%|
|10% most volatile stocks in FI Market||8.8%|
|10% least volatile stocks in FI Market||3.3%|
Stable Share Price: SAMPO is less volatile than 75% of Finnish stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: SAMPO's weekly volatility (4%) has been stable over the past year.
About the Company
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, Hastings, Mandatum, and Holding segments. The company offers household, homeowner, motor, accident, travel, boat, forest, livestock, property, casualty, liability, car, van, bike, and cargo insurance.
Sampo Oyj Fundamentals Summary
|SAMPO fundamental statistics|
Is SAMPO overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SAMPO income statement (TTM)|
|Cost of Revenue||€5.69b|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Nov 02, 2022
|Earnings per share (EPS)||4.61|
|Net Profit Margin||23.59%|
How did SAMPO perform over the long term?See historical performance and comparison
4.7%Current Dividend Yield
Is SAMPO undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SAMPO?
Other financial metrics that can be useful for relative valuation.
|What is SAMPO's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SAMPO's PE Ratio compare to its peers?
|SAMPO PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
601601 China Pacific Insurance (Group)
G Assicurazioni Generali
HIG Hartford Financial Services Group
AIG American International Group
SAMPO Sampo Oyj
Price-To-Earnings vs Peers: SAMPO is expensive based on its Price-To-Earnings Ratio (9.8x) compared to the peer average (7.7x).
Price to Earnings Ratio vs Industry
How does SAMPO's PE Ratio compare vs other companies in the European Insurance Industry?
Price-To-Earnings vs Industry: SAMPO is good value based on its Price-To-Earnings Ratio (9.8x) compared to the European Insurance industry average (10.8x)
Price to Earnings Ratio vs Fair Ratio
What is SAMPO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.8x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SAMPO's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of SAMPO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SAMPO (€45.07) is trading below our estimate of fair value (€73.29)
Significantly Below Fair Value: SAMPO is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is Sampo Oyj forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 (-6.6% per year).
Earnings vs Market: SAMPO's earnings are forecast to decline over the next 3 years (-6.6% 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 (-7.2% per year).
High Growth Revenue: SAMPO's revenue is forecast to decline over the next 3 years (-7.2% 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 (17.1%).
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How has Sampo Oyj performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SAMPO has a high level of non-cash earnings.
Growing Profit Margin: SAMPO's current net profit margins (23.6%) are higher than last year (5%).
Past Earnings Growth Analysis
Earnings Trend: SAMPO's earnings have declined by 8.4% per year over the past 5 years.
Accelerating Growth: SAMPO's earnings growth over the past year (312.2%) exceeds its 5-year average (-8.4% per year).
Earnings vs Industry: SAMPO earnings growth over the past year (312.2%) exceeded the Insurance industry 8.4%.
Return on Equity
High ROE: SAMPO's Return on Equity (25.3%) is considered high.
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How is Sampo Oyj's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: SAMPO's short term assets (€21.0B) do not cover its short term liabilities (€29.3B).
Long Term Liabilities: SAMPO's short term assets (€21.0B) exceed its long term liabilities (€16.8B).
Debt to Equity History and Analysis
Debt Level: SAMPO has more cash than its total debt.
Reducing Debt: SAMPO's debt to equity ratio has increased from 30.6% to 42.9% over the past 5 years.
Debt Coverage: SAMPO's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: SAMPO's interest payments on its debt are well covered by EBIT (18.3x coverage).
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What is Sampo Oyj current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SAMPO's dividend (4.66%) is higher than the bottom 25% of dividend payers in the Finnish market (2.39%).
High Dividend: SAMPO's dividend (4.66%) is low compared to the top 25% of dividend payers in the Finnish market (4.75%).
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.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (47.1%), SAMPO's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: SAMPO is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Torbjorn Magnusson (59 yo)
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...
Experienced Management: SAMPO's management team is seasoned and experienced (16.3 years average tenure).
Experienced Board: SAMPO's board of directors are considered experienced (3.3 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Sampo Oyj's employee growth, exchange listings and data sources
- Name: Sampo Oyj
- Ticker: SAMPO
- Exchange: HLSE
- Founded: 1909
- Industry: Multi-line Insurance
- Sector: Insurance
- Implied Market Cap: €23.773b
- Shares outstanding: 527.48m
- Website: https://www.sampo.com
Number of Employees
- Sampo Oyj
- Fabianinkatu 27
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/11 00:00|
|End of Day Share Price||2022/08/11 00:00|
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.