Sampo Oyj

OTCPK:SAXP.F Stock Report

Market Cap: US$22.6b

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 ($43.02) is trading below our estimate of fair value ($62.46)

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 Ratio17x
Earnings€1.27b
Market Cap€21.61b

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 Average22.8x
FNF Fidelity National Financial
23.1x38.8%US$17.3b
ERIE Erie Indemnity
41x23.8%US$22.9b
WRB W. R. Berkley
15.7x4.4%US$24.5b
L Loews
11.3xn/aUS$18.9b
SAXP.F Sampo Oyj
17x6.1%US$21.6b

Price-To-Earnings vs Peers: SAXP.F is good value based on its Price-To-Earnings Ratio (17x) compared to the peer average (22.7x).

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$89.87m
AORE.F American Overseas Group
2.1xn/aUS$16.68m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
SAXP.F 17.0xIndustry Avg. 13.9xNo. of Companies13PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SAXP.F is expensive based on its Price-To-Earnings Ratio (17x) compared to the US Insurance industry average (13.9x).

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 Ratio17x
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$45.99
0%
7.7%US$53.53US$39.88n/a16
Nov ’25US$45.00
US$47.32
+5.1%
7.9%US$55.27US$41.18n/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
Nov ’23US$46.17
US$48.64
+5.4%
6.7%US$53.35US$42.48US$39.7515

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

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