Sampo Oyj

Sampo Oyj

SAXPY
Sampo OyjUS flagOther OTC
20.58
USD
-0.25
- -
110.20BMarket Cap
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
4.36
4.32
4.36
4.45
4.98
5.59
6.15
6.1
7.3
5.8
6.73
7.19
7.69
7.62
Basic EPS, GAAP
1.04
1.1
1.18
1.18
1.58
1.22
0.81
0.03
1.85
1.59
1.05
0.9
1.49
0.87
Free Cash Flow per Basic Share
0.16
1.19
0.23
0.14
0.9
-0.14
1.1
0.58
0.86
0.02
0.77
0.93
1.19
1.12
Dividend per Share
0.53
0.65
0.77
0.85
0.92
1.04
1.14
0.6
0.68
1.65
1.04
0.71
0.68
- -
Book Value per Share
5.91
6.25
6.73
7
7.71
7.96
7.32
6.76
7.25
6.47
5.12
3.34
3.74
2.94
Tangible Book Value per Share
7.07
7.29
7.63
8.09
8.13
7.83
7.49
6.12
7.07
5.04
3.2
2.67
3.43
2.37
Basic Weighted Avg Shares
1,400
1,400
1,400
1,400
1,400
1,388
1,388
1,388
1,385
1,327
1,265
1,280
1,342
1,383
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
10,533
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
196
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
1,202
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
21.51
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
11.41
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
2,837
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
6,840
Return on Invested Capital (%)
10.72
11
11.49
10.54
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
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 Common Equity (%)
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

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
21,214
24,789
25,154

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
2024
3,291
2,469
2,097
2,308
9,203
2025
3,346
2,782
2,903
- -
10,322
2026
3,152
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.28
0.23
- -
0.12
0.9
2025
0.21
0.32
0.4
- -
1.49
2026
-0.03
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.71
2025
- -
- -
- -
- -
0.68
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Morten Thorsrud
Full Time Employees
15,013
Sector
Financial Services
Industry
Insurance - Diversified
Address
Fabianinkatu 27 Helsinki Finland 00100
IPO Date
Jan 20, 2010
Website
sampo.com
Business
Sampo Oyj is a leading property and casualty (P&C) insurance group focused on the Nordic region and the UK digital insurance market. The company, founded in 1909 and headquartered in Helsinki, Finland, operates through its primary customer brands If, Topdanmark, and Hastings, serving private individuals, SMEs, and industrial clients across Finland, Sweden, Norway, Denmark, the Baltic countries, and the UK. Sampo plc, the parent company, oversees group strategy, capital allocation, risk management, investor relations, and sustainability initiatives. Sampo offers a comprehensive range of P&C insurance products and services, including motor, household, homeowner, accident, travel, boat, forest, livestock, property, casualty, liability, car, van, bike, and cargo insurance; it also provides supplemental health insurance through brands like Dansk Sundhedssikring (Oona Health). The group operates in four main segments: Private Nordic (serving 3.7 million households via If, Topdanmark, and white-label partnerships like Volvia, with motor as the largest line), Private UK (over 4 million customers for digital motor, home, van, and bike coverage via Hastings), Nordic Commercial (450,000 SME customers), and Nordic Industrial (1,200 large corporates with turnover above EUR 45 million). Sampo emphasizes disciplined underwriting, digital capabilities, customer centricity, and strong retention rates exceeding 89 percent in key areas. Recent strategic developments include the completion of the compulsory acquisition of Topdanmark's minority shares in October 2024, achieving full ownership and accelerating integration synergies that met the 2025 target of EUR 24 million ahead of schedule, with a EUR 140 million goal by 2028. In November 2025, Sampo launched a EUR 150 million share buyback program funded by proceeds from reducing its stake in NOBA Bank following its IPO, alongside ongoing share repurchases such as 256,957 A-shares on November 28, 2025. The company raised its 2024-2026 operating EPS growth target to more than 9 percent annually, reflecting strong Q3/2025 results with 8 percent like-for-like gross written premium growth, 17 percent underwriting result increase, and a combined ratio of 83 percent. These moves support Sampo's organic growth strategy in retail, SME, and digital channels amid robust performance in Private Nordic.

Company News

APIChat
  • 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?

  • Sampo (OTCMKTS:SAXPY) vs. Selective Insurance Group (NASDAQ:SIGI) Head to Head Contrast

  • 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

  • Sampo has applied for Mandatum to be listed on Nasdaq Helsinki

  • Sampo Oyj (SAXPF) Q1 2023 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q4 2022 Earnings Call Transcript

  • Sampo Oyj (SAXPF) Q3 2022 Earnings Call Transcript