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    Insurance - Diversified
Sampo Oyj

Sampo Oyj

SAMPO-SDB.ST
Sampo OyjSE flagStockholm Stock Exchange
96.20
SEK
+1.10
- -
255.48BMarket Cap
Sampo Oyj
SAMPO-SDB.ST
(Stockholm Stock Exchange)

Recent

price

96.20

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.23
1.75
2.12
2.18
2.16
2.18
2.23
2.49
2.79
3.07
3.05
3.65
2.9
3.36
3.59
- -
4.01
Revenue per Share
0.39
0.37
0.5
0.52
0.55
0.59
0.59
0.79
0.61
0.41
0.01
0.93
0.79
0.52
0.45
- -
0.46
Basic EPS, GAAP
0.05
0.03
0.39
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
Free Cash Flow per Basic Share
0.2
0.23
0.24
0.27
0.33
0.39
0.43
0.46
0.52
0.57
0.3
0.34
0.82
0.52
0.35
- -
- -
Dividend per Share
2.34
2.47
2.71
2.95
3.13
3.37
3.5
3.85
3.98
3.66
3.38
3.63
3.23
2.56
1.67
- -
1.55
Book Value per Share
2.9
2.91
3.3
3.53
3.65
3.82
4.04
4.07
3.92
3.74
3.06
3.54
2.52
1.6
1.34
- -
1.25
Tangible Book Value per Share
2,806
2,805
2,800
2,800
2,800
2,800
2,800
2,800
2,775
2,775
2,775
2,770
2,654
2,530
2,561
- -
2,627
Basic Weighted Avg Shares
6,270
4,914
5,943
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
10,534
Sales/Revenue/Turnover
0.41
- -
27.21
27.36
29.11
30.96
30.01
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
29
18
17
18
21
16
18
29
59
78
122
187
170
158
180
211
196
Depreciation Expense
1,104
1,038
1,408
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
1,202
Net Income, GAAP
16.44
15.39
13.19
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
21.51
Effective Tax Rate (%)
17.61
21.12
23.69
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
11.41
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,693
2,103
2,134
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
2,837
LT Debt
8,886
8,920
10,020
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
6,840
Total Equity
0.2
- -
10.97
10.72
11
11.49
10.54
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
14.11
11.97
14.91
14.48
14.33
14.58
13.11
15.38
10.15
6.4
-0.03
17.92
16.09
11.55
13.49
27.2
15.85
Return on Capital (%)
17.6
15.38
19.37
18.3
18.09
18.22
17.17
21.53
15.45
10.66
0.38
26.43
22.63
17.57
21.47
42.97
23.42
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
2,949
2,979
2,837
LT Finance Leases
134
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,691
2,691
2,691
Market Capitalization
102,317
23,361
23,825

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
962
1,819
1,321
Accounts Receivable, Net
8
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
2,958
1,934
2,010
2,761
8,511
2024
3,291
2,469
2,097
2,308
9,203
2025
3,347
2,782
2,903
- -
10,322

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.11
- -
- -
- -
0.52
2024
0.14
0.12
- -
0.07
0.45
2025
0.11
0.16
0.2
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.52
2024
- -
- -
- -
- -
0.35
2025
- -
- -
- -
- -
- -
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Business
Sampo Oyj is a leading Nordic property and casualty insurance group that provides a comprehensive range of P&C insurance products and services through its customer brands If, Topdanmark, and Hastings; core offerings include motor, home, household, property, liability, accident, sickness, travel, marine, aviation, transport, forest, livestock, workers compensation, commercial, and industrial insurance lines for private individuals, SMEs, and large corporates. The company operates primarily in the Nordics (Sweden, Norway, Denmark, Finland), the UK, and the Baltic countries, serving over 8 million customers with nearly 15,000 employees and generating EUR 8.4 billion in insurance revenue in 2024, of which 77% derived from the Nordic market; it targets private households (64% of revenue), commercial SMEs, and industrial clients with diversified distribution via digital platforms, direct sales, brokers, and partnerships such as car dealerships. Founded in 1909 and headquartered in Helsinki, Finland, Sampo focuses on disciplined underwriting, digital capabilities in pricing, distribution, and claims handling, and customer-centric operations across four segments: Private Nordic (44% of 2024 revenue), Private UK (20%), Nordic Commercial (25%), and Nordic Industrial (8%). In recent developments, Sampo completed the acquisition of the remaining shares in Topdanmark in 2024, integrating its operations into the If P&C platform to strengthen its Danish market position and realize synergies ahead of schedule, achieving EUR 24 million by Q3 2025 toward a EUR 140 million target by 2028; the company launched a EUR 150 million share buyback programme in 2025 funded by proceeds from reducing its stake in NOBA Bank following its IPO, raised its 2024-2026 operating EPS growth target to over 9% annually, and reported strong Q3 2025 results with 8% like-for-like top-line growth and a 17% increase in underwriting result to EUR 1,121 million.