SAMPO Stock Analysis: Sampo | HE
Insurance - Diversified | HE, Finland | Market Cap: 24.853m EUR | 12M Return: -3.4% | FI4000552500 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 35.6M
EPS Trend: 96.0%
Qual. Beats: -1
Rev. Trend: 57.3%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Sampo Oyj is a Helsinki-based non-life insurance group operating primarily across the Nordic region, with a presence extending to the Baltic states, several Western European markets, and the United Kingdom. Founded in 1909, the company runs through four reportable segments - Private Nordic, Private UK, Nordic Commercial, and Nordic Industrial - and distributes a broad range of personal and commercial coverages (motor, property, liability, marine, aviation, health, workers compensation, and others) under the If, Topdanmark, and Hastings brands, alongside reinsurance offerings.
As a multi-line insurer, Sampos business model combines retail and corporate lines across multiple geographies, which helps diversify underwriting risk and smooth earnings across cycles. Sampo is also notable as a significant shareholder in Nordea Bank, with its investment portfolio representing a meaningful component of the groups overall profitability in addition to its core insurance operations.
- UK Hastings motor premiums accelerate despite competitive pricing pressure
- Nordic combined ratio improves on benign weather and pricing actions
- Rising interest rates boost investment portfolio yields and income
| Net Income: 1.71b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -0.71 > 1.0 |
| NWC/Revenue: 34.00% < 20% (prev 6.98%; Δ 27.02% < -1%) |
| CFO/TA 0.06 > 3% & CFO 1.64b > Net Income 1.71b |
| Net Debt (1.83b) to EBITDA (2.36b): 0.78 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (2.66b) vs 12m ago 1.90% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 46.62% > 50% (prev 41.05%; Δ 5.58% > 0%) |
| Interest Coverage Ratio: 27.82 > 6 (EBIT TTM 2.14b / Interest Expense TTM 77.0m) |
| A: 0.15 (Total Current Assets 4.06b - Total Current Liabilities 0.0) / Total Assets 26.4b |
| B: 0.15 (Retained Earnings 4.03b / Total Assets 26.4b) |
| C: 0.08 (EBIT TTM 2.14b / Avg Total Assets 25.6b) |
| D: 0.35 (Book Value of Equity 6.90b / Total Liabilities 19.5b) |
| Altman-Z'' = 2.44 = A |
| DSRI: 3.0 (Receivables 2.54b/163.0m, Revenue 11.9b/10.2b) |
| GMI: 1.00 (GM 99.99% / 99.96%) |
| AQI: 0.89 (AQ_t 0.83 / AQ_t-1 0.94) |
| SGI: 1.17 (Revenue 11.9b / 10.2b) |
| TATA: 0.00 (NI 1.71b - CFO 1.64b) / TA 26.4b) |
| Beneish M = -1.32 (Cap -4..+1) = D |
As of September 27, 2026, the stock is trading at EUR 8.83 with a total of 5,203,625 shares traded. Over the past week, the price has changed by -6.48%, over one month by -10.21%, over three months by -2.41% and over the past year by -3.39%.
Current recommended Stop Loss: 8.60 (which is 2.6% or 1.6 ATR below the current price).
Sampo has no consensus analysts rating.
P/E Trailing = 14.7469
P/E Forward = 16.8634
P/S = 2.282
P/B = 3.3846
P/EG = 33.7071
Revenue TTM = 11.9b EUR
EBIT TTM = 2.14b EUR
EBITDA TTM = 2.36b EUR
Long Term Debt = 2.55b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.34b EUR (from shortLongTermDebtTotal, last quarter) + Leases 151.0m
Net Debt = 1.83b EUR (calculated: Debt 3.34b - CCE 1.51b)
Enterprise Value = 26.7b EUR (24.9b + Debt 3.34b - CCE 1.51b)
Interest Coverage Ratio = 27.82 (Ebit TTM 2.14b / Interest Expense TTM 77.0m)
EV/FCF = 18.25x (Enterprise Value 26.7b / FCF TTM 1.46b)
FCF Yield = 5.48% (FCF TTM 1.46b / Enterprise Value 26.7b)
FCF Margin = 12.26% (FCF TTM 1.46b / Revenue TTM 11.9b)
Net Margin = 14.34% (Net Income TTM 1.71b / Revenue TTM 11.9b)
Gross Margin = unknown ((Revenue TTM 11.9b - Cost of Revenue TTM 5.00m) / Revenue TTM)
Tobins Q-Ratio = 1.01 (Enterprise Value 26.7b / Total Assets 26.4b)
Interest Expense / Debt = 2.30% (Interest Expense 77.0m / Debt 3.34b)
Taxrate = 20.22% (434.0m / 2.15b)
NOPAT = 1.71b (EBIT 2.14b * (1 - 20.22%))
Current Ratio = unknown (Total Current Assets 4.06b / Total Current Liabilities 0.0)
Debt / Equity = 0.48 (Debt 3.34b / totalStockholderEquity, last quarter 6.90b)
Debt / EBITDA = 0.78 (Net Debt 1.83b / EBITDA 2.36b)
Debt / FCF = 1.25 (Net Debt 1.83b / FCF TTM 1.46b)
Total Stockholder Equity = 7.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.69% (Net Income 1.71b / Total Assets 26.4b)
RoE = 22.71% (Net Income TTM 1.71b / Total Stockholder Equity 7.53b)
RoCE = 21.25% (EBIT 2.14b / Capital Employed (Equity 7.53b + L.T.Debt 2.55b))
RoIC = 8.62% (EBIT 2.14b / (Assets 26.4b - Curr.Liab 0.0 - Cash 1.51b))
WACC = 5.17% (E(24.9b)/V(28.2b) * Re(5.62%) + D(3.34b)/V(28.2b) * Rd(2.30%) * (1-Tc(0.20)))
Discount Rate = 5.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 58.00 | Cagr: 109.7%
[DCF] Terminal Value 74.61% ; FCFF base≈1.50b ; Y1≈1.43b ; Y5≈1.37b
[DCF] Fair Price = 7.49 (EV 21.6b - Net Debt 1.83b = Equity 19.7b / Shares 2.63b; r=8.35% [WACC [floored]]; 5y FCF grow -5.86% → 2.50% )
EPS Correlation: 95.98 | EPS CAGR: 12.27% | SUE: -2.44 | # QB: -1
Revenue Correlation: 57.28 | Revenue CAGR: 5.55% | SUE: 0.94 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.15 | Chg30d=+1.67% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=0.55 | Chg30d=+2.01% | Revisions=-18% | GrowthEPS=+10.4% | GrowthRev=+7.4%
EPS next Year (2027-12-31): EPS=0.61 | Chg30d=+0.15% | Revisions=+17% | GrowthEPS=+10.5% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: -7% (up=5, down=6)