Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SAMPO.HE
HOLDSampo Oyj · Financial Services · Finland · $27.4B · Avg Vol: $33M/d
COMPANY DESCRIPTION
Sampo Oyj is a leading Nordic insurance group, operating primarily through its dominant property and casualty (P&C) insurance subsidiary, If P&C, and Topdanmark. The company holds a market-leading position across Sweden, Norway, Finland, and Denmark, characterized by exceptional underwriting discipline and low combined ratios. Its competitive moat is driven by strong brand equity, scale-driven cost advantages, and highly stable, cash-generative underwriting operations.
FINANCIAL SUMMARY (EUR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.7B | 8.5B | 9.2B | 10.3B | 10.3% | 10.7B | 11.0B | 11.7B | 6.3% |
| EPS (EUR) | 0.79 | 0.52 | 0.45 | 0.74 | -2.3% | 0.61 | 0.81 | 0.90 | 10.4% |
| Shares | 2.6B | 2.5B | 2.7B | 2.7B | +3.5% | 2.6B | — | — | — |
| Debt | 3.6B | 3.0B | 3.1B | 2.7B | -8.8% | 2.4B | — | — | — |
| Equity | 9.6B | 7.3B | 7.1B | 8.1B | -5.6% | — | — | — | — |
| Op CF | 33.0M | 970.0M | 1.3B | 1.8B | 276.3% | 969.0M | — | — | — |
| Inv CF | 3.0B | -223.0M | -125.0M | -150.0M | — | — | — | — | — |
| Fin CF | -4.7B | -2.4B | -1.7B | -1.3B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SAMPO.HE are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SAMPO.HE | Sampo Oyj(you) | $27.4B | 63 | HOLD |
| NDA-FI.HE | Nordea Bank Abp | $63.0B | 68 | BUY |
| AKTIA.HE | Aktia Pankki Oyj | $949M | 46 | HOLD |
| MANTA.HE | Mandatum Oyj | $3.1B | 21 | SELL |
| OMASP.HE | Oma Säästöpankki Oyj | $438M | 67 | BUY |
| EQV1V.HE | eQ Oyj | $465M | 51 | HOLD |
| EVLI.HE | Evli Oyj | $727M | 84 | STRONG BUY |
| TAALA.HE | Taaleri Oyj | $231M | 66 | BUY |
| ALBBV.HE | Ålandsbanken Abp | $762M | 34 | SELL |
| UNITED.HE | United Bankers Oyj | $259M | 70 | BUY |
Peer medians: ROE 15.2% · P/E 15.5x · Gross margin 55.7%