Sampo Oyj/€SAMPO
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Sampo Oyj
Sampo Oyj is a Finnish financial services group primarily engaged in the insurance industry. Its core activities include providing life and property and casualty insurance products and services through its subsidiaries. The company operates mainly through its divisions: If P&C, Mandatum Life, and Topdanmark, each catering to different insurance markets and customer segments in the Nordic region. Established in 1909 and headquartered in Helsinki, Finland, Sampo has a considerable geographic footprint across Scandinavia and the Baltic countries. A notable feature of the company's strategic positioning is its focus on risk management and long-standing expertise in the Nordic insurance sector.
- Ticker
- €SAMPO
- Sector
- Finance
- Primary listing
- XHEL
- Employees
- 15,287
- Headquarters
- Helsinki, Finland
- Website
- www.sampo.com
Sampo Oyj Metrics
BasicAdvanced
€25B
14.41
€0.64
0.24
€0.36
3.89%
Price and volume
Market cap
€25B
Beta
0.24
52-week high
€10.34
52-week low
€8.64
Average daily volume
7.2M
Dividend rate
€0.36
Financial strength
Current ratio
1.811
Quick ratio
1.581
Long term debt to equity
0.347
Total debt to equity
0.347
Dividend payout ratio (TTM)
55.87%
Interest coverage (TTM)
28.72%
Profitability
EBITDA (TTM)
2,424
Gross margin (TTM)
41.01%
Net profit margin (TTM)
15.71%
Operating margin (TTM)
20.57%
Effective tax rate (TTM)
20.23%
Revenue per employee (TTM)
€710,000
Management effectiveness
Return on assets (TTM)
5.47%
Return on equity (TTM)
24.13%
Valuation
Price to earnings (TTM)
14.414
Price to revenue (TTM)
2.264
Price to book
3.36
Price to tangible book (TTM)
6.35
Price to free cash flow (TTM)
16.743
Free cash flow yield (TTM)
5.97%
Free cash flow per share (TTM)
0.552
Dividend yield (TTM)
3.89%
Forward dividend yield
3.89%
Growth
Revenue change (TTM)
9.12%
Earnings per share change (TTM)
40.50%
3-year revenue growth (CAGR)
11.63%
10-year revenue growth (CAGR)
6.92%
3-year earnings per share growth (CAGR)
17.17%
10-year earnings per share growth (CAGR)
1.53%
10-year dividend per share growth (CAGR)
-1.76%
What the Analysts think about Sampo Oyj
Analyst ratings (Buy, Hold, Sell) for Sampo Oyj stock.
Analyst projections of the future price of Sampo Oyj stock.
Bulls say / Bears say
First-half like-for-like growth accelerated to 5% in Q2, while underwriting profit rose 7% year on year. Sampo raised its 2026 revenue and underwriting-result outlook, suggesting growth is translating into stronger core earnings. (Sampo Oyj)
Topdanmark integration is delivering savings ahead of plan: Sampo raised its expected synergy run-rate to €105 million for 2026 and €125 million for 2027, with €58 million already realised by the end of March. Those savings could support future profit growth. (Sampo Oyj)
A strong balance sheet is funding shareholder returns: Sampo announced a €350 million buyback and reported 174% Solvency II coverage after allowing for the distribution. This supports the case for continued capital returns without relying only on business growth. (Sampo Oyj)
A €118 million IT impairment has prompted Berenberg to cut its adjusted operating EPS forecasts for 2026–28. That points to execution costs weighing on earnings even while insurance premiums are growing. (Finimize)
Investment-market swings are making reported earnings less predictable: in the first half, the net financial result was a €55 million loss versus a €287 million profit a year earlier, and net profit fell 41%. This contrasts with 12% growth in operating EPS. (Sampo Oyj)
Competitive pressure could make growth harder to sustain. Sampo reported a soft UK pricing environment and continued pricing pressure in Nordic Industrial, while warning that UK motor-market conditions can change quickly. (Sampo Oyj)
Data summarised monthly by Lightyear AI. Last updated on 20 Oct 2026.
Sampo Oyj Financial Performance
Revenues and expenses
Sampo Oyj Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing Sampo Oyj
AllEURUSDGBP
Fund name | Fund size | €SAMPO weighting |
|---|---|---|
iShares STOXX Europe 600 Insurance€A0H08K | €605M | 2.89% |
iShares Euro Dividend€IDVY | €1.6B | 1.97% |
iShares EURO STOXX Select Dividend 30€EXSG | €625M | 1.97% |
Xtrackers MSCI Nordic£XDN0 | €1.1B | 1.67% |
Invesco EURO STOXX High Dividend Low Volatility£EUHD | €589M | 1.48% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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