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Sampo Oyj

LSE:0HAG
Snowflake Description

Fair value with questionable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0HAG
LSE
€23B
Market Cap
  1. Home
  2. GB
  3. Insurance
Company description

Sampo Oyj, through its subsidiaries, provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries. The last earnings update was 51 days ago. More info.


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0HAG Share Price and Events
7 Day Returns
0.6%
LSE:0HAG
-0.6%
GB Insurance
1.2%
GB Market
1 Year Returns
-7.4%
LSE:0HAG
-5.4%
GB Insurance
2.5%
GB Market
0HAG Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Sampo Oyj (0HAG) 0.6% -1.8% 1.7% -7.4% 6.2% 15.4%
GB Insurance -0.6% 7.9% 9.8% -5.4% 16.5% 21%
GB Market 1.2% 5.3% 9.8% 2.5% 16.9% 6.7%
1 Year Return vs Industry and Market
  • 0HAG underperformed the Insurance industry which returned -5.4% over the past year.
  • 0HAG underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.5% over the past year.
Price Volatility
0HAG
Industry
5yr Volatility vs Market

0HAG Value

 Is Sampo Oyj undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Sampo Oyj to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Sampo Oyj.

LSE:0HAG Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 12 analysts.
= Stable Book Value * Return on Equity
= €22.87 * 13.4%
€3.06
Book Value of Equity per Share Weighted future Book Value estimates from 10 analysts. €22.87
Discount Rate (Cost of Equity) See below 7%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0HAG
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.5%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.72
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.724 (1 + (1- 20%) (20.23%))
0.894
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.89
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.894 * 6.51%)
7.05%

Discounted Cash Flow Calculation for LSE:0HAG using Excess Returns Model Model

The calculations below outline how an intrinsic value for Sampo Oyj is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0HAG Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (13.4% – 7.05%) * €22.87)
€1.45
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €1.45 / (7.05% - 1.23%)
€24.96
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €22.87 + €24.96
€47.83
LSE:0HAG Discount to Share Price
Calculation Result
Value per share (EUR) From above. €47.83
Current discount Discount to share price of €41.32
= -1 x (€41.32 - €47.83) / €47.83
13.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Sampo Oyj is available for.
Intrinsic value
14%
Share price is €41.32 vs Future cash flow value of €47.83
Current Discount Checks
For Sampo Oyj to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Sampo Oyj's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Sampo Oyj's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Sampo Oyj's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Sampo Oyj's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0HAG PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €3.04
HLSE:SAMPO Share Price ** HLSE (2019-04-25) in EUR €41.32
United Kingdom of Great Britain and Northern Ireland Insurance Industry PE Ratio Median Figure of 19 Publicly-Listed Insurance Companies 16.15x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.3x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Sampo Oyj.

LSE:0HAG PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= HLSE:SAMPO Share Price ÷ EPS (both in EUR)

= 41.32 ÷ 3.04

13.6x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Sampo Oyj is good value based on earnings compared to the GB Insurance industry average.
  • Sampo Oyj is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Sampo Oyj's expected growth come at a high price?
Raw Data
LSE:0HAG PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 13.6x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts
1.1%per year
United Kingdom of Great Britain and Northern Ireland Insurance Industry PEG Ratio Median Figure of 16 Publicly-Listed Insurance Companies 1.55x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 566 Publicly-Listed Companies 1.5x

*Line of best fit is calculated by linear regression .

LSE:0HAG PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 13.6x ÷ 1.1%

12.65x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Sampo Oyj is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Sampo Oyj's assets?
Raw Data
LSE:0HAG PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €22.30
HLSE:SAMPO Share Price * HLSE (2019-04-25) in EUR €41.32
United Kingdom of Great Britain and Northern Ireland Insurance Industry PB Ratio Median Figure of 24 Publicly-Listed Insurance Companies 2.09x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.52x
LSE:0HAG PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= HLSE:SAMPO Share Price ÷ Book Value per Share (both in EUR)

= 41.32 ÷ 22.30

1.85x

* Primary Listing of Sampo Oyj.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Sampo Oyj is good value based on assets compared to the GB Insurance industry average.
X
Value checks
We assess Sampo Oyj's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Sampo Oyj has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

0HAG Future Performance

 How is Sampo Oyj expected to perform in the next 1 to 3 years based on estimates from 12 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
1.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Sampo Oyj expected to grow at an attractive rate?
  • Sampo Oyj's earnings growth is positive but not above the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Sampo Oyj's earnings growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
  • Sampo Oyj's revenues are expected to decrease over the next 1-3 years, this is below the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0HAG Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0HAG Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts 1.1%
LSE:0HAG Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 12 Analysts -12.1%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Earnings Growth Rate Market Cap Weighted Average 11.8%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Revenue Growth Rate Market Cap Weighted Average 18.3%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0HAG Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0HAG Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 4,814 1,684 1,754 1
2022-12-31 4,695 1,651 1,709 1
2021-12-31 4,534 1,691 1,711 5
2020-12-31 4,465 1,725 1,650 6
2019-12-31 4,380 1,678 1,565 6
LSE:0HAG Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 7,741 -190 1,687
2018-09-30 8,664 80 1,661
2018-06-30 8,639 987 2,397
2018-03-31 7,954 1,690 2,186
2017-12-31 7,843 1,267 2,216
2017-09-30 7,305 920 2,346
2017-06-30 6,667 723 1,620
2017-03-31 6,640 50 1,666
2016-12-31 6,199 195 1,650
2016-09-30 6,081 295 1,543
2016-06-30 5,578 -190 1,545
2016-03-31 5,624 92 1,583

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Sampo Oyj's earnings are expected to grow by 1.1% yearly, however this is not considered high growth (20% yearly).
  • Sampo Oyj's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0HAG Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below

All data from Sampo Oyj Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0HAG Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31 3.16 3.16 3.16 1.00
2022-12-31 3.09 3.09 3.08 2.00
2021-12-31 3.05 3.39 2.77 11.00
2020-12-31 2.95 3.25 2.69 15.00
2019-12-31 2.81 3.14 2.51 14.00
LSE:0HAG Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 3.04
2018-09-30 2.98
2018-06-30 4.31
2018-03-31 3.91
2017-12-31 3.96
2017-09-30 4.18
2017-06-30 2.89
2017-03-31 2.98
2016-12-31 2.95
2016-09-30 2.76
2016-06-30 2.76
2016-03-31 2.83

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Sampo Oyj is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Sampo Oyj's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Sampo Oyj has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

0HAG Past Performance

  How has Sampo Oyj performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Sampo Oyj's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Sampo Oyj's year on year earnings growth rate has been positive over the past 5 years.
  • Sampo Oyj's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Sampo Oyj's 1-year earnings growth is negative, it can't be compared to the GB Insurance industry average.
Earnings and Revenue History
Sampo Oyj's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Sampo Oyj Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0HAG Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 7,741.00 1,687.00 980.00
2018-09-30 8,664.00 1,661.00 971.00
2018-06-30 8,639.00 2,397.00 907.00
2018-03-31 7,954.00 2,186.00 847.00
2017-12-31 7,843.00 2,216.00 778.00
2017-09-30 7,305.00 2,346.00 696.00
2017-06-30 6,667.00 1,620.00 695.00
2017-03-31 6,640.00 1,666.00 678.00
2016-12-31 6,199.00 1,650.00 667.00
2016-09-30 6,081.00 1,543.00 665.00
2016-06-30 5,578.00 1,545.00 669.00
2016-03-31 5,624.00 1,583.00 522.00
2015-12-31 6,519.00 1,656.00 531.00
2015-09-30 6,328.00 1,683.00 538.00
2015-06-30 6,754.00 1,685.00 533.00
2015-03-31 6,993.00 1,624.00 702.00
2014-12-31 6,439.00 1,540.00 701.00
2014-09-30 6,529.00 1,546.00 655.00
2014-06-30 6,711.00 1,491.00 665.00
2014-03-31 6,399.00 1,483.00 669.00
2013-12-31 6,558.00 1,452.00 683.00
2013-09-30 6,540.00 1,452.00 720.00
2013-06-30 6,500.00 1,422.00 727.00
2013-03-31 6,360.00 1,407.00 706.00
2012-12-31 6,381.00 1,408.00 689.00
2012-09-30 6,253.00 1,290.00 691.00
2012-06-30 5,514.00 1,100.00 660.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Sampo Oyj has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Sampo Oyj used its assets more efficiently than the GB Insurance industry average last year based on Return on Assets.
  • Sampo Oyj's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Sampo Oyj's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Sampo Oyj has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

0HAG Health

 How is Sampo Oyj's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Sampo Oyj's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Sampo Oyj's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Sampo Oyj's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Sampo Oyj's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 2x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Sampo Oyj Company Filings, last reported 3 months ago.

LSE:0HAG Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 13,014.00 4,642.00 7,409.00
2018-09-30 13,097.00 4,775.00 7,473.00
2018-06-30 12,575.00 4,100.00 2,217.00
2018-03-31 13,571.00 4,238.00 3,870.00
2017-12-31 13,508.00 3,630.00 2,649.00
2017-09-30 13,323.00 3,676.00 2,402.00
2017-06-30 11,500.00 3,519.00 1,929.00
2017-03-31 12,522.00 3,183.00 2,323.00
2016-12-31 11,934.00 3,770.00 2,585.00
2016-09-30 11,445.00 2,900.00 2,156.00
2016-06-30 10,830.00 2,535.00 1,418.00
2016-03-31 11,620.00 2,523.00 2,744.00
2015-12-31 11,411.00 2,317.00 1,997.00
2015-09-30 10,876.00 2,318.00 1,819.00
2015-06-30 10,990.00 2,357.00 2,027.00
2015-03-31 11,617.00 2,368.00 2,829.00
2014-12-31 10,923.00 2,326.00 2,074.00
2014-09-30 10,845.00 2,620.00 1,731.00
2014-06-30 10,532.00 2,125.00 1,272.00
2014-03-31 11,027.00 2,125.00 1,195.00
2013-12-31 10,643.00 2,155.00 785.00
2013-09-30 10,332.00 2,135.00 616.00
2013-06-30 9,800.00 2,269.00 854.00
2013-03-31 10,454.00 2,406.00 1,461.00
2012-12-31 10,020.00 2,320.00 1,034.00
2012-09-30 9,702.00 2,469.00 1,070.00
2012-06-30 9,126.00 2,586.00 491.00
  • Sampo Oyj's level of debt (35.7%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (20.2% vs 35.7% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Interest payments on debt are well covered by earnings (EBIT is 77.9x coverage).
X
Financial health checks
We assess Sampo Oyj's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Sampo Oyj has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

0HAG Dividends

 What is Sampo Oyj's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
6.9%
Current annual income from Sampo Oyj dividends. Estimated to be 7.38% next year.
If you bought €2,000 of Sampo Oyj shares you are expected to receive €138 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Sampo Oyj's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Sampo Oyj's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.1%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0HAG Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Insurance Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 4.5%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0HAG Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2023-12-31 3.10 1.00
2022-12-31 3.18 2.00
2021-12-31 3.15 11.00
2020-12-31 3.04 16.00
2019-12-31 2.96 13.00
LSE:0HAG Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-02-07 2.850 6.804
2018-02-07 2.600 6.121
2017-02-08 2.300 5.091
2016-02-10 2.150 5.341
2015-02-11 1.950 4.372
2014-02-12 1.650 4.372
2013-02-13 1.350 4.187
2012-02-09 1.200 5.380
2011-08-10 1.150 5.987
2011-02-09 1.150 5.207
2010-02-11 1.000 5.250

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Sampo Oyj has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Sampo Oyj only paid a dividend in the past 9 years.
Current Payout to shareholders
What portion of Sampo Oyj's earnings are paid to the shareholders as a dividend.
  • Dividends paid are not well covered by earnings (1.1x coverage).
Future Payout to shareholders
  • Dividends after 3 years are not well covered by earnings (1x coverage).
X
Income/ dividend checks
We assess Sampo Oyj's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Sampo Oyj afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Sampo Oyj has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

0HAG Management

 What is the CEO of Sampo Oyj's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Kari Stadigh
COMPENSATION €4,089,775
AGE 63
TENURE AS CEO 10 years
CEO Bio

Mr. Kari Henrik Stadigh, M.Sc. (Eng.), BBA (Econ.), has been the Chief Executive Officer of Sampo Oyj/Sampo plc since April 8, 2009. Mr. Stadigh serves as the Managing Director of Sampo Oyj and serves as its President. He is Group Chief Executive Officer and President of Sampo Group and Chairman of the Board of IfP&C Insurance Holding Ltd. He served as a Deputy Chief Executive Officer of Sampo Oyj from 2001 to 2009 and served as its Deputy Managing Director and Executive Vice President. He served as the President of Sampo Life Insurance Company Limited from 1999 to 2000; President of Nova Life Insurance Company from 1996 to 1998; President and Chief Operating Officer of Jaakko Pöyry Group from 1991 to 1996 and President of JP-Finance Oy, from 1985 to 1991. He has been the Chairman of If Skadeförsäkring Holding AB since 2002, Mandatum Life Insurance Company Limited since 2001, P&C Insurance Holding Ltd and Kaleva Mutual Insurance Company since 2001. He served as the Chairman of Aspo Oyj from 2000 to December 2008. Mr. Stadigh served as Chairman of Federation of Finnish Insurance Companies from 2003 to 2004. He served as Chairman of Alma Media Oyj from 2005 to March 17, 2011 and served as its Deputy Chairman of the Board from 2001 to 2005. He was a Director of Nordea Bank AB from March 2010 until March 15, 2018. He has been a Director of If Skadeförsäkring Holding AB since 2002, Nokia Corporation since May 3, 2011, Federation of Finnish Financial services since 2006 and Waypoint Group Holding Ltd. He serves as a Director of Alma Media PLC and Kaleva Mutual Insurance Company. He is a Vice chairman of Finance Finland (FFI) and board member of Niilo Helander Foundation. He served as a Director of Cornhill Corporation Holdings LLP. He has been a Director of Nordea Bank AB (publ) since March 2010. He served as a Director of Pension Insurance Corporation Limited. He served as Director at Varma Mutual Pension Insurance Company since 2008. He served as a Director of Federation of Finnish Insurance Companies from 2005 to 2006. He served as a Director of Aspo Oyj from 1999 to March 2009. He served as a Director of Alma Media Oyj from 1999 to March 17, 2011. He served as a Director of G.W. Sohlberg Corporation. He served as a Member of Executive Committee at If P&C Insurance Company Ltd. He has been the Chairman of Insurance Employer's Association since 2005. Mr. Stadigh holds an M Sc in Engineering from the Helsinki University of Technology in 1979 and a BBA in Economics from Swedish School of Economics and Business Administration in 1980.

CEO Compensation
  • Kari's compensation has been consistent with company performance over the past year.
  • Kari's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Sampo Oyj management team in years:

13.8
Average Tenure
51
Average Age
  • The average tenure for the Sampo Oyj management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Kari Stadigh

TITLE
CEO, President & Member of Group Executive Committee
COMPENSATION
€4M
AGE
63
TENURE
10 yrs

Knut Alsaker

TITLE
CFO & Member of Group Executive Committee
AGE
45
TENURE
0.3 yrs

Petri Niemisvirta

TITLE
Member of Group Executive Committee
AGE
48
TENURE
18.3 yrs

Patrick Lapveteläinen

TITLE
Chief Investment Officer & Member of the Group Executive Committee
AGE
52

Ricard Wennerklint

TITLE
Member of Group Executive Committee
AGE
49
TENURE
14.3 yrs

Ivar Martinsen

TITLE
Member of Group Executive Committee
AGE
57
TENURE
14.3 yrs

Torbjörn Magnusson

TITLE
Member of Group Executive Committee
AGE
55
TENURE
15.3 yrs

Morten Thorsrud

TITLE
Member of Group Executive Committee
AGE
47
TENURE
13.3 yrs

Jarmo Salonen

TITLE
Head of Investor Relations & Group Communications

Johan Börjesson

TITLE
Group Head of Human Resources
AGE
51
TENURE
12.6 yrs
Board of Directors Tenure

Average tenure and age of the Sampo Oyj board of directors in years:

4
Average Tenure
57
Average Age
  • The tenure for the Sampo Oyj board of directors is about average.
Board of Directors

Björn Wahlroos

TITLE
Chairman of the Board
COMPENSATION
€175K
AGE
66
TENURE
10 yrs

Jannica Fagerholm

TITLE
Vice Chairperson
COMPENSATION
€115K
AGE
57

Veli-Matti Mattila

TITLE
Director
COMPENSATION
€90K
AGE
57
TENURE
10 yrs

Risto Murto

TITLE
Director
COMPENSATION
€90K
AGE
55
TENURE
4 yrs

Christian Clausen

TITLE
Director
COMPENSATION
€96K
AGE
63
TENURE
3 yrs

Antti Mäkinen

TITLE
Director
AGE
57
TENURE
1 yrs

Fiona Clutterbuck

TITLE
Independent Non-Executive Director
AGE
60

Johanna Lamminen

TITLE
Director
AGE
52
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Sampo Oyj's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Sampo Oyj has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

0HAG News

Simply Wall St News

0HAG Company Info

Description

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, and Holding Segments. The company offers life, property, and casualty insurance, as well as wealth management services. It also provides banking service. Sampo Oyj was founded in 1909 and is based in Helsinki, Finland.

Details
Name: Sampo Oyj
0HAG
Exchange: LSE
Founded: 1909
€22,947,138,442
555,351,850
Website: http://www.sampo.com
Address: Sampo Oyj
Fabianinkatu 27,
Helsinki,
Uusimaa, 00100,
Finland
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
HLSE SAMPO Series A Shares OMX Nordic Exchange Helsinki FI EUR 22. Apr 1988
OTCPK SAXP.F Series A Shares Pink Sheets LLC US USD 22. Apr 1988
DB SMPA Series A Shares Deutsche Boerse AG DE EUR 22. Apr 1988
LSE 0HAG Series A Shares London Stock Exchange GB EUR 22. Apr 1988
BMV SAMPO N Series A Shares Bolsa Mexicana de Valores MX MXN 22. Apr 1988
BATS-CHIXE SAMPOH Series A Shares BATS 'Chi-X Europe' GB EUR 22. Apr 1988
OTCPK SAXP.Y ADR Pink Sheets LLC US USD 20. Oct 2008
Number of employees
Current staff
Staff numbers
9,582
Sampo Oyj employees.
Industry
Multi-line Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/25 21:04
End of day share price update: 2019/04/25 00:00
Last estimates confirmation: 2019/04/24
Last earnings filing: 2019/03/05
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.