SAMPO Stock Analysis: Sampo | HE
Insurance - Diversified | HE, Finland | Market Cap: 25.278m EUR | 12M Return: 7.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 28.0M
EPS Trend: 94.8%
Qual. Beats: 1
Rev. Trend: 34.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 1.67b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -4.23 > 1.0 |
| NWC/Revenue: 32.25% < 20% (prev 35.87%; Δ -3.61% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.04b > Net Income 1.67b |
| Net Debt (1.74b) to EBITDA (2.30b): 0.76 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (2.66b) vs 12m ago -1.32% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 43.91% > 50% (prev 37.97%; Δ 5.94% > 0%) |
| Interest Coverage Ratio: 26.41 > 6 (EBIT TTM 2.09b / Interest Expense TTM 79.0m) |
| A: 0.14 (Total Current Assets 3.73b - Total Current Liabilities 0.0) / Total Assets 26.6b |
| B: 0.18 (Retained Earnings 4.87b / Total Assets 26.6b) |
| C: 0.08 (EBIT TTM 2.09b / Avg Total Assets 26.3b) |
| D: 0.41 (Book Value of Equity 7.77b / Total Liabilities 18.9b) |
| Altman-Z'' = 2.48 = A |
| DSRI: 3.0 (Receivables 2.45b/163.0m, Revenue 11.6b/9.87b) |
| GMI: 1.00 (GM 99.99% / 99.96%) |
| AQI: 1.02 (AQ_t 0.85 / AQ_t-1 0.83) |
| SGI: 1.17 (Revenue 11.6b / 9.87b) |
| TATA: 0.02 (NI 1.67b - CFO 1.04b) / TA 26.6b) |
| Beneish M = -1.24 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at EUR 9.67 with a total of 2,215,501 shares traded. Over the past week, the price has changed by -0.43%, over one month by +5.68%, over three months by +8.16% and over the past year by +7.27%.
Current recommended Stop Loss: 9.40 (which is 2.8% or 2.1 ATR below the current price).
Sampo has no consensus analysts rating.
P/E Trailing = 15.7049
P/E Forward = 17.4216
P/S = 2.3903
P/B = 3.0807
P/EG = 24.8831
Revenue TTM = 11.6b EUR
EBIT TTM = 2.09b EUR
EBITDA TTM = 2.30b EUR
Long Term Debt = 2.43b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.02b EUR (from shortLongTermDebtTotal, last quarter) + Leases 151.0m
Net Debt = 1.74b EUR (calculated: Debt 3.02b - CCE 1.27b)
Enterprise Value = 27.0b EUR (25.3b + Debt 3.02b - CCE 1.27b)
Interest Coverage Ratio = 26.41 (Ebit TTM 2.09b / Interest Expense TTM 79.0m)
EV/FCF = 32.32x (Enterprise Value 27.0b / FCF TTM 836.0m)
FCF Yield = 3.09% (FCF TTM 836.0m / Enterprise Value 27.0b)
FCF Margin = 7.24% (FCF TTM 836.0m / Revenue TTM 11.6b)
Net Margin = 14.42% (Net Income TTM 1.67b / Revenue TTM 11.6b)
Gross Margin = unknown ((Revenue TTM 11.6b - Cost of Revenue TTM 5.00m) / Revenue TTM)
Tobins Q-Ratio = 1.01 (Enterprise Value 27.0b / Total Assets 26.6b)
Interest Expense / Debt = 2.62% (Interest Expense 79.0m / Debt 3.02b)
Taxrate = 20.11% (420.0m / 2.09b)
NOPAT = 1.67b (EBIT 2.09b * (1 - 20.11%))
Current Ratio = unknown (Total Current Assets 3.73b / Total Current Liabilities 0.0)
Debt / Equity = 0.39 (Debt 3.02b / totalStockholderEquity, last quarter 7.77b)
Debt / EBITDA = 0.76 (Net Debt 1.74b / EBITDA 2.30b)
Debt / FCF = 2.08 (Net Debt 1.74b / FCF TTM 836.0m)
Total Stockholder Equity = 7.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.33% (Net Income 1.67b / Total Assets 26.6b)
RoE = 22.16% (Net Income TTM 1.67b / Total Stockholder Equity 7.52b)
RoCE = 20.98% (EBIT 2.09b / Capital Employed (Equity 7.52b + L.T.Debt 2.43b))
RoIC = 8.23% (EBIT 2.09b / (Assets 26.6b - Curr.Liab 0.0 - Cash 1.27b))
WACC = 5.53% (E(25.3b)/V(28.3b) * Re(5.94%) + D(3.02b)/V(28.3b) * Rd(2.62%) * (1-Tc(0.20)))
Discount Rate = 5.94% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 73.65 | Cagr: 109.7%
[DCF] Terminal Value 73.10% ; FCFF base≈1.27b ; Y1≈1.11b ; Y5≈898.1m
[DCF] Fair Price = 4.80 (EV 14.4b - Net Debt 1.74b = Equity 12.7b / Shares 2.64b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 94.81 | EPS CAGR: 11.77% | SUE: 1.18 | # QB: 1
Revenue Correlation: 34.37 | Revenue CAGR: 3.06% | SUE: 0.20 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.17 | Chg30d=+2.44% | Revisions=+25% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.15 | Chg30d=+0.00% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=0.54 | Chg30d=-0.17% | Revisions=+25% | GrowthEPS=+8.2% | GrowthRev=+7.0%
EPS next Year (2027-12-31): EPS=0.61 | Chg30d=-0.33% | Revisions=+0% | GrowthEPS=+12.5% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: +22% (up=4, down=2)