Sampo Oyj Logo

Sampo Oyj

SAMPO.HE

(2.0)
Stock Price

40,03 EUR

6.64% ROA

19.64% ROE

14.54x PER

Market Cap.

22.321.677.000,00 EUR

41.04% DER

4.43% Yield

14.01% NPM

Sampo Oyj Stock Analysis

Sampo Oyj Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sampo Oyj Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (37%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROA

The stock's ROA (3.19%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (2.37x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Buffet Intrinsic Value

The company's stock seems undervalued (2.146) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

6 ROE

ROE in an average range (12.64%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Sampo Oyj Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sampo Oyj Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Sampo Oyj Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sampo Oyj Revenue
Year Revenue Growth
2000 4.211.000.000
2001 2.801.000.000 -50.34%
2002 1.683.000.000 -66.43%
2003 2.060.000.000 18.3%
2004 5.213.000.000 60.48%
2005 6.536.000.000 20.24%
2006 6.433.000.000 -1.6%
2007 5.432.000.000 -18.43%
2008 4.648.000.000 -16.87%
2009 5.634.000.000 17.5%
2010 6.279.000.000 10.27%
2011 5.342.000.000 -17.54%
2012 5.978.000.000 10.64%
2013 6.128.000.000 2.45%
2014 6.074.000.000 -0.89%
2015 6.147.000.000 1.19%
2016 5.836.000.000 -5.33%
2017 6.988.000.000 16.49%
2018 8.078.000.000 13.49%
2019 8.585.000.000 5.91%
2020 8.458.000.000 -1.5%
2021 10.583.000.000 20.08%
2022 9.858.000.000 -7.35%
2023 8.040.000.000 -22.61%
2023 8.759.000.000 8.21%
2024 10.308.000.000 15.03%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sampo Oyj Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sampo Oyj General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 311.000.000 100%
2004 158.000.000 -96.84%
2005 95.000.000 -66.32%
2006 77.000.000 -23.38%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sampo Oyj EBITDA
Year EBITDA Growth
2000 923.000.000
2001 848.000.000 -8.84%
2002 545.000.000 -55.6%
2003 474.000.000 -14.98%
2004 1.303.000.000 63.62%
2005 1.361.000.000 4.26%
2006 1.398.000.000 2.65%
2007 3.938.000.000 64.5%
2008 964.000.000 -308.51%
2009 938.000.000 -2.77%
2010 1.481.000.000 36.66%
2011 1.327.000.000 -11.61%
2012 1.718.000.000 22.76%
2013 1.759.000.000 2.33%
2014 1.834.000.000 4.09%
2015 1.963.000.000 6.57%
2016 1.941.000.000 -1.13%
2017 2.540.000.000 23.58%
2018 2.081.000.000 -22.06%
2019 1.424.000.000 -46.14%
2020 297.000.000 -379.46%
2021 2.668.000.000 88.87%
2022 2.049.000.000 -30.21%
2023 1.912.000.000 -7.17%
2023 1.820.000.000 -5.05%
2024 -1.152.000.000 257.99%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sampo Oyj Gross Profit
Year Gross Profit Growth
2000 4.211.000.000
2001 2.801.000.000 -50.34%
2002 1.683.000.000 -66.43%
2003 2.060.000.000 18.3%
2004 5.213.000.000 60.48%
2005 6.536.000.000 20.24%
2006 6.433.000.000 -1.6%
2007 5.432.000.000 -18.43%
2008 4.648.000.000 -16.87%
2009 5.634.000.000 17.5%
2010 6.279.000.000 10.27%
2011 5.342.000.000 -17.54%
2012 5.978.000.000 10.64%
2013 6.128.000.000 2.45%
2014 6.074.000.000 -0.89%
2015 6.147.000.000 1.19%
2016 5.836.000.000 -5.33%
2017 6.988.000.000 16.49%
2018 8.078.000.000 13.49%
2019 8.585.000.000 5.91%
2020 8.458.000.000 -1.5%
2021 10.583.000.000 20.08%
2022 9.858.000.000 -7.35%
2023 8.040.000.000 -22.61%
2023 8.759.000.000 8.21%
2024 10.308.000.000 15.03%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sampo Oyj Net Profit
Year Net Profit Growth
2000 923.000.000
2001 848.000.000 -8.84%
2002 391.000.000 -116.88%
2003 354.000.000 -10.45%
2004 817.000.000 56.67%
2005 949.000.000 13.91%
2006 977.000.000 2.87%
2007 3.573.000.000 72.66%
2008 675.000.000 -429.33%
2009 641.000.000 -5.3%
2010 1.104.000.000 41.94%
2011 1.038.000.000 -6.36%
2012 1.404.000.000 26.07%
2013 1.452.000.000 3.31%
2014 1.540.000.000 5.71%
2015 1.656.000.000 7%
2016 1.650.000.000 -0.36%
2017 2.216.000.000 25.54%
2018 1.687.000.000 -31.36%
2019 1.130.000.000 -49.29%
2020 113.000.000 -900%
2021 2.567.000.000 95.6%
2022 1.427.000.000 -79.89%
2023 1.464.000.000 2.53%
2023 1.323.000.000 -10.66%
2024 1.240.000.000 -6.69%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sampo Oyj Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 2 100%
2002 1 0%
2003 1 0%
2004 1 100%
2005 2 0%
2006 2 0%
2007 6 83.33%
2008 1 -500%
2009 1 0%
2010 2 0%
2011 2 0%
2012 3 50%
2013 3 0%
2014 3 0%
2015 3 0%
2016 3 0%
2017 4 33.33%
2018 3 0%
2019 2 -50%
2020 0 0%
2021 5 100%
2022 3 -100%
2023 0 0%
2023 3 100%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sampo Oyj Free Cashflow
Year Free Cashflow Growth
2004 31.000.000
2005 -1.174.000.000 102.64%
2006 -1.501.000.000 21.79%
2007 -222.000.000 -576.13%
2008 790.000.000 128.1%
2009 1.471.000.000 46.3%
2010 147.000.000 -900.68%
2011 89.000.000 -65.17%
2012 1.076.000.000 91.73%
2013 219.000.000 -391.32%
2014 1.645.000.000 86.69%
2015 315.000.000 -422.22%
2016 182.000.000 -73.08%
2017 1.255.000.000 85.5%
2018 -223.000.000 662.78%
2019 1.466.000.000 115.21%
2020 597.000.000 -145.56%
2021 1.185.000.000 49.62%
2022 -2.257.000.000 152.5%
2023 -104.000.000 -2070.19%
2023 970.000.000 110.72%
2024 991.000.000 2.12%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sampo Oyj Operating Cashflow
Year Operating Cashflow Growth
2004 73.000.000
2005 -1.147.000.000 106.36%
2006 -1.417.000.000 19.05%
2007 -222.000.000 -538.29%
2008 790.000.000 128.1%
2009 1.484.000.000 46.77%
2010 147.000.000 -909.52%
2011 106.000.000 -38.68%
2012 1.092.000.000 90.29%
2013 230.000.000 -374.78%
2014 1.660.000.000 86.14%
2015 323.000.000 -413.93%
2016 195.000.000 -65.64%
2017 1.267.000.000 84.61%
2018 -190.000.000 766.84%
2019 1.530.000.000 112.42%
2020 757.000.000 -102.11%
2021 1.185.000.000 36.12%
2022 33.000.000 -3490.91%
2023 -104.000.000 131.73%
2023 970.000.000 110.72%
2024 991.000.000 2.12%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sampo Oyj Capital Expenditure
Year Capital Expenditure Growth
2004 42.000.000
2005 27.000.000 -55.56%
2006 84.000.000 67.86%
2007 0 0%
2008 0 0%
2009 13.000.000 100%
2010 0 0%
2011 17.000.000 100%
2012 16.000.000 -6.25%
2013 11.000.000 -45.45%
2014 15.000.000 26.67%
2015 8.000.000 -87.5%
2016 13.000.000 38.46%
2017 12.000.000 -8.33%
2018 33.000.000 63.64%
2019 64.000.000 48.44%
2020 160.000.000 60%
2021 0 0%
2022 2.290.000.000 100%
2023 0 0%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sampo Oyj Equity
Year Equity Growth
2000 87.000.000
2001 2.919.000.000 97.02%
2002 2.881.000.000 -1.32%
2003 3.017.000.000 4.51%
2004 3.465.000.000 12.93%
2005 4.348.000.000 20.31%
2006 5.189.000.000 16.21%
2007 7.733.000.000 32.9%
2008 4.631.000.000 -66.98%
2009 7.613.000.000 39.17%
2010 8.886.000.000 14.33%
2011 8.920.000.000 0.38%
2012 10.113.000.000 11.8%
2013 10.643.000.000 4.98%
2014 10.923.000.000 2.56%
2015 11.411.000.000 4.28%
2016 11.934.000.000 4.38%
2017 13.508.000.000 11.65%
2018 13.014.000.000 -3.8%
2019 12.543.000.000 -3.76%
2020 12.258.000.000 -2.33%
2021 13.464.000.000 8.96%
2022 9.543.000.000 -41.09%
2023 7.207.000.000 -32.41%
2023 7.687.000.000 6.24%
2024 7.349.000.000 -4.6%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sampo Oyj Assets
Year Assets Growth
2000 32.701.000.000
2001 32.319.000.000 -1.18%
2002 25.094.000.000 -28.79%
2003 25.229.000.000 0.54%
2004 3.465.000.000 -628.11%
2005 4.348.000.000 20.31%
2006 5.189.000.000 16.21%
2007 25.424.000.000 79.59%
2008 21.205.000.000 -19.9%
2009 26.635.000.000 20.39%
2010 29.851.000.000 10.77%
2011 30.107.000.000 0.85%
2012 32.045.000.000 6.05%
2013 32.576.000.000 1.63%
2014 34.750.000.000 6.26%
2015 35.639.000.000 2.49%
2016 37.955.000.000 6.1%
2017 49.300.000.000 23.01%
2018 49.340.000.000 0.08%
2019 51.939.000.000 5%
2020 56.529.000.000 8.12%
2021 61.061.000.000 7.42%
2022 42.033.000.000 -45.27%
2023 39.358.000.000 -6.8%
2023 24.225.000.000 -62.47%
2024 24.739.000.000 2.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sampo Oyj Liabilities
Year Liabilities Growth
2000 32.614.000.000
2001 29.400.000.000 -10.93%
2002 22.213.000.000 -32.35%
2003 22.212.000.000 -0%
2004 1.610.000.000 -1279.63%
2005 1.651.000.000 2.48%
2006 1.064.000.000 -55.17%
2007 17.691.000.000 93.99%
2008 16.574.000.000 -6.74%
2009 19.022.000.000 12.87%
2010 20.965.000.000 9.27%
2011 21.187.000.000 1.05%
2012 21.932.000.000 3.4%
2013 21.933.000.000 0%
2014 23.827.000.000 7.95%
2015 24.228.000.000 1.66%
2016 26.021.000.000 6.89%
2017 35.792.000.000 27.3%
2018 36.326.000.000 1.47%
2019 5.842.000.000 -521.81%
2020 6.410.000.000 8.86%
2021 47.597.000.000 86.53%
2022 32.490.000.000 -46.5%
2023 3.292.000.000 -886.94%
2023 3.365.000.000 2.17%
2024 17.390.000.000 80.65%

Sampo Oyj Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
19.93
Net Income per Share
2.79
Price to Earning Ratio
14.54x
Price To Sales Ratio
2.23x
POCF Ratio
39.64
PFCF Ratio
43.43
Price to Book Ratio
2.92
EV to Sales
2.37
EV Over EBITDA
32.06
EV to Operating CashFlow
46.1
EV to FreeCashFlow
46.1
Earnings Yield
0.07
FreeCashFlow Yield
0.02
Market Cap
22,32 Bil.
Enterprise Value
23,69 Bil.
Graham Number
29.53
Graham NetNet
-31.69

Income Statement Metrics

Net Income per Share
2.79
Income Quality
0.31
ROE
0.2
Return On Assets
0.06
Return On Capital Employed
0.07
Net Income per EBT
0.84
EBT Per Ebit
1.03
Ebit per Revenue
0.16
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.16
Pretax Profit Margin
0.17
Net Profit Margin
0.14

Dividends

Dividend Yield
0.04
Dividend Yield %
4.43
Payout Ratio
0.64
Dividend Per Share
1.8

Operating Metrics

Operating Cashflow per Share
1.02
Free CashFlow per Share
1.02
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.13
Return on Tangible Assets
0.07
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
2,96
Book Value per Share
14,65
Tangible Book Value per Share
7.4
Shareholders Equity per Share
13.88
Interest Debt per Share
5.89
Debt to Equity
0.41
Debt to Assets
0.12
Net Debt to EBITDA
1.86
Current Ratio
0
Tangible Asset Value
3,71 Bil.
Net Current Asset Value
-13,39 Bil.
Invested Capital
7934000000
Working Capital
4,00 Bil.
Intangibles to Total Assets
0.15
Average Receivables
0,00 Bil.
Average Payables
6,17 Bil.
Average Inventory
0
Debt to Market Cap
0.13

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sampo Oyj Dividends
Year Dividends Growth
2000 15
2001 4 -250%
2002 1 0%
2003 0 0%
2004 2 100%
2005 0 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 1 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 2 50%
2017 2 0%
2018 3 0%
2019 3 0%
2020 4 33.33%
2021 2 -200%
2022 2 50%
2023 1 0%
2024 2 100%

Sampo Oyj Profile

About Sampo Oyj

Sampo Oyj, through its subsidiaries, provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries. It operates through If, Topdanmark, Hastings, Mandatum, and Holding segments. The company offers household, homeowner, motor, accident, travel, boat, forest, livestock, property, casualty, liability, car, van, bike, and cargo insurance. It also provides life, individual and group pension, home and content, illness, animal, electronics, change of ownership, workers' compensation, rewards, marine, aviation, and transport insurance, as well as wealth management and asset management services. Sampo Oyj was founded in 1909 and is based in Helsinki, Finland.

CEO
Mr. Torbjorn Magnusson
Employee
13.976
Address
Fabianinkatu 27
Helsinki, 00100

Sampo Oyj Executives & BODs

Sampo Oyj Executives & BODs
# Name Age
1 Ms. Ingrid Janbu Holthe
Head of BA Private & Member of the Group Executive Committee
70
2 Mr. Klas Svensson
Head of BA Commercial & Member of Group Executive Committee
70
3 Mr. Ville Talasmaki
Group Chief Investment Officer & Executive Committee Member
70
4 Maria Silander
Communications Manager, Media Relations
70
5 Mr. Johan Börjesson
Group Head of Human Resources
70
6 Mr. Knut-Arne Alsaker
Chief Financial Officer & Member of Group Executive Committee
70
7 Mr. Torbjorn Magnusson
Group Chief Executive Officer & Chairman of Group Executive Committee
70
8 Mr. A. Ricard Wennerklint
Chief of Strategy & Member of Group Executive Committee
70
9 Mr. Morten Thorsrud
Member of Group Executive Committee
70
10 Mr. Sami Taipalus
Head of Investor Relations
70

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