Sampo Oyj

OTCPK:SAXP.F Stock Report

Market Cap: US$22.0b

Sampo Oyj Valuation

Is SAXP.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SAXP.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SAXP.F ($40.89) is trading below our estimate of fair value ($58.78)

Significantly Below Fair Value: SAXP.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SAXP.F?

Key metric: As SAXP.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SAXP.F. This is calculated by dividing SAXP.F's market cap by their current earnings.
What is SAXP.F's PE Ratio?
PE Ratio16.6x
Earnings€1.27b
Market Cap€21.06b

Price to Earnings Ratio vs Peers

How does SAXP.F's PE Ratio compare to its peers?

The above table shows the PE ratio for SAXP.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.2x
FNF Fidelity National Financial
20.5x26.1%US$15.4b
ERIE Erie Indemnity
39.2x23.8%US$21.9b
WRB W. R. Berkley
14.2x5.0%US$22.5b
L Loews
11xn/aUS$18.4b
SAXP.F Sampo Oyj
16.6x6.2%US$21.1b

Price-To-Earnings vs Peers: SAXP.F is good value based on its Price-To-Earnings Ratio (16.6x) compared to the peer average (21.2x).

Price to Earnings Ratio vs Industry

How does SAXP.F's PE Ratio compare vs other companies in the US Insurance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
UTGN UTG
2xn/aUS$93.02m
AORE.F American Overseas Group
2.1xn/aUS$16.44m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
SAXP.F 16.6xIndustry Avg. 13.0xNo. of Companies15PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SAXP.F is expensive based on its Price-To-Earnings Ratio (16.6x) compared to the US Insurance industry average (13x).

Price to Earnings Ratio vs Fair Ratio

What is SAXP.F'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.

SAXP.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio16.6x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SAXP.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst SAXP.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$46.47
0%
7.7%US$53.97US$40.21n/a16
Dec ’25n/a
US$46.47
0%
7.7%US$53.97US$40.21n/a16
Nov ’25US$45.00
US$47.21
+4.9%
7.9%US$55.15US$41.09n/a16
Oct ’25n/a
US$47.65
0%
7.0%US$55.56US$42.23n/a16
Sep ’25n/a
US$46.75
0%
6.3%US$52.41US$41.49n/a16
Aug ’25US$42.57
US$46.91
+10.2%
7.0%US$53.30US$41.34n/a15
Jul ’25n/a
US$46.37
0%
6.6%US$52.61US$41.88n/a15
Jun ’25n/a
US$46.65
0%
7.1%US$52.84US$42.05n/a17
May ’25US$40.75
US$46.34
+13.7%
7.1%US$53.46US$40.63n/a17
Apr ’25US$41.51
US$47.00
+13.2%
7.3%US$53.94US$40.99n/a17
Mar ’25n/a
US$47.21
0%
7.9%US$54.25US$39.06n/a17
Feb ’25US$42.03
US$47.16
+12.2%
8.4%US$56.32US$42.24n/a17
Jan ’25US$43.32
US$47.43
+9.5%
8.1%US$53.82US$41.98n/a17
Dec ’24US$43.67
US$48.21
+10.4%
8.0%US$54.79US$42.74n/a17
Nov ’24US$39.75
US$46.97
+18.2%
10.1%US$55.21US$39.28US$45.0017
Oct ’24n/a
US$49.11
0%
8.9%US$56.03US$41.23n/a16
Sep ’24US$43.71
US$50.78
+16.2%
8.1%US$57.63US$43.49n/a16
Aug ’24US$44.95
US$52.32
+16.4%
10.2%US$63.78US$43.99US$42.5717
Jul ’24US$44.49
US$52.81
+18.7%
9.3%US$63.85US$43.66n/a16
Jun ’24n/a
US$53.40
0%
5.8%US$57.87US$49.13n/a14
May ’24n/a
US$54.53
0%
7.8%US$66.14US$49.05US$40.7515
Apr ’24n/a
US$53.89
0%
7.1%US$64.63US$48.47US$41.5116
Mar ’24US$48.41
US$53.82
+11.2%
6.8%US$64.12US$49.16n/a15
Feb ’24US$52.50
US$55.73
+6.1%
6.8%US$65.47US$50.20US$42.0315
Jan ’24US$52.83
US$53.30
+0.9%
7.7%US$63.69US$45.64US$43.3215
Dec ’23US$49.87
US$51.25
+2.8%
5.9%US$55.98US$44.57US$43.6714

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 20:56
End of Day Share Price 2024/12/16 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Sampo Oyj is covered by 44 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jan GjerlandABG Sundal Collier
Pierre-Yves GauthierAlphaValue
Claudia GaspariBarclays