Sampo Oyj

Sampo Oyj

9.21
EUR
+0.06
(+0.63%)
0.51EPS
17.90P/E
24.28BMarket Cap
Nov 04Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.18
2.16
2.18
2.23
2.49
2.79
3.07
3.05
3.65
2.9
3.36
3.59
3.84
4.4
Basic EPS, GAAP
0.52
0.55
0.59
0.59
0.79
0.61
0.41
0.01
0.93
0.79
0.52
0.45
0.74
0.51
Free Cash Flow per Basic Share
0.08
0.59
0.12
0.07
0.45
-0.07
0.55
0.29
0.43
0.01
0.38
0.46
0.59
0.68
Dividend per Share
0.27
0.33
0.39
0.43
0.46
0.52
0.57
0.3
0.34
0.82
0.52
0.35
0.34
- -
Book Value per Share
3.81
3.9
4.08
4.27
4.62
4.46
4.29
4.11
4.68
3.74
2.89
2.62
3.04
2.78
Tangible Book Value per Share
3.54
3.65
3.82
4.05
3.85
3.69
3.51
2.76
3.34
2.38
1.45
1.27
1.73
1.47
Basic Weighted Avg Shares
2,800
2,800
2,800
2,800
2,800
2,775
2,775
2,775
2,770
2,654
2,530
2,561
2,685
2,668
Sales/Revenue/Turnover
6,097
6,042
6,101
6,234
6,975
7,750
8,532
8,467
10,114
7,698
8,511
9,203
10,322
11,736
Operating Margin (%)
27.36
29.11
30.96
30.01
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
18
21
16
18
29
59
78
122
187
170
158
180
211
192
Net Income, GAAP
1,452
1,540
1,656
1,650
2,216
1,687
1,130
37
2,567
2,107
1,323
1,154
1,998
1,371
Effective Tax Rate (%)
12.95
12.51
12.29
11.81
9.79
15.14
19.73
70.26
13.34
19.02
22.89
21.17
18.02
24.03
Profit Margin (%)
23.81
25.49
27.14
26.47
31.77
21.77
13.24
0.44
25.38
27.37
15.54
12.54
19.36
11.68
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,169
2,337
2,296
3,384
3,530
4,677
5,024
5,096
2,016
3,582
2,958
3,083
2,715
2,546
Total Equity
10,644
10,923
11,411
11,934
13,508
13,014
12,543
12,258
13,456
10,178
7,687
7,059
8,092
7,343
Return on Invested Capital (%)
10.72
11
11.49
10.54
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.78
11.89
12.39
11.31
13.44
9.17
5.84
-0.03
15.3
14.01
10.69
11.18
19.6
14.18
Return on Common Equity (%)
14.05
14.28
14.83
14.14
17.88
13.37
9.3
0.32
21.19
18.79
15.67
16.12
26.37
18.5

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
2,564
2,426
2,546
LT Finance Leases
151
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,662
2,656
2,640
Market Capitalization
27,417
24,485
24,280

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,319
1,272
1,511
Accounts Receivable, Net
13
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-2.44%
-6.52%
14.63%
Free Cash Flow
228.81%
569.06%
34.51%
Net Income, GAAP
672.34%
1,368.62%
73.14%
Sales/Revenue/Turnover
6.09%
5.28%
12.16%
Total Cash Common Dividend
6.81%
15%
1.33%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,291
2,469
2,097
2,308
9,203
2025
3,346
2,782
- -
2,903
10,322
2026
3,152
2,899
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.12
0.12
0.06
0.45
2025
0.11
0.16
- -
0.2
0.74
2026
-0.02
0.17
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.35
2025
- -
- -
- -
- -
0.34
2026
- -
- -
- -
- -
- -

Company Description

CEO
Morten Thorsrud
Full Time Employees
15,224
Sector
Finance
Industry
Property/Casualty insurance
Address
Fabianinkatu 27 Helsinki Finland 130
IPO Date
Jan 14, 1988
Website
sampo.com
Business
Sampo Oyj operates as a leading Nordic property and casualty insurance group, providing non-life insurance products and services through its primary segments of Private Nordic, Nordic Commercial, Private UK, and Holding. The company offers a comprehensive range of insurance solutions, including motor, home, property, liability, accident, sickness, household, homeowner, travel, marine, aviation, transport, forest, livestock, health, workers compensation, car, van, and bike insurance, as well as reinsurance products; these are delivered via customer brands If, Topdanmark, and Hastings, with a focus on private individuals, small and medium-sized enterprises, commercial, industrial, and Baltic customers. Sampo serves approximately 3.7 million households and 450,000 commercial clients across its markets, emphasizing digital platforms, strong distribution networks including car dealership partnerships, and high customer retention rates. Founded in 1909 and headquartered in Helsinki, Finland, the company conducts operations in the Nordic countries (Finland, Sweden, Norway, Denmark), the Baltic states (Estonia, Lithuania, Latvia), the United Kingdom, Spain, Gibraltar, Germany, the Netherlands, and France, employing around 14,800 people. Recent developments include the completion of its acquisition of Topdanmark in September 2024 through a public exchange offer, achieving over 92% ownership followed by compulsory acquisition and delisting, with integration advancing rapidly and EUR 24 million in targeted synergies realized by September 2025 ahead of schedule toward a EUR 140 million goal by 2028; additionally, Sampo launched a EUR 150 million share buyback programme in November 2025 funded by proceeds from the IPO of NOBA Bank Group, with ongoing repurchases executed through December 2025.

Company News

  • Sampo PLC (OTCMKTS:SAXPY) Stock Now Rated “Moderate Buy” by Wall Street Analysts

  • Sampo PLC (OTCMKTS:SAXPY) Given Consensus Recommendation of “Moderate Buy” by Analysts

  • Sampo Oyj (SAXPY) Q2 2026 Earnings Call Transcript

  • Sampo PLC (OTCMKTS:SAXPY) Receives Average Recommendation of “Moderate Buy” from Brokerages

  • Sampo Oyj (SAXPY) Q1 2026 Earnings Call Transcript

  • Sampo Oyj (SAXPY) Shareholder/Analyst Call Prepared Remarks Transcript

  • Sampo Oyj (SAXPY) Q4 2025 Earnings Call Transcript

  • Sampo (OTCMKTS:SAXPY) Shares Gap Down – Time to Sell?

  • Sampo (OTCMKTS:SAXPY) Sees Unusually-High Trading Volume – Still a Buy?

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  • Sampo PLC (OTCMKTS:SAXPY) Short Interest Up 97.1% in December

  • Sampo Oyj (SAXPY) Q3 2025 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q2 2025 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q1 2025 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q4 2024 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q3 2024 Earnings Call Transcript

  • What Makes Sampo (SAXPY) a New Buy Stock

  • Sampo Oyj (SAXPF) Q1 2024 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q4 2023 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q3 2023 Earnings Call Transcript