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⚠️ Not investment advice. Past performance does not guarantee future results.
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Sampo SAMPO.HE

Finland Financial Services
7.0/10
AI Analyst score
8.83 EUR
Last price at analysis date · analyst target 10.56 (+19.6%)
🛒 Where to buy SAMPO.HEPartner brokers · Finland · sample 200.00 € orderFinland
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🟡 HOLD — Hold; the combination of quality, reasonable valuation, and sustainable dividend makes it attractive for defensive portfolios, though weak momentum (11th percentile in 52 weeks) suggests waiting for a better entry.

Sampo is a Finnish insurance and financial services group operating mainly in the Nordic countries and the UK, with brands such as If, Topdanmark, and Hastings, offering property, life, and health insurance. Sampo shows solid financial health (ROE 24.13%, operating margin 20.05%) and reasonable valuation (P/E 13.80), with moderate growth and an attractive dividend (net yield 3.46%, payout 56.25%).

Financial health
8.3
Quality / Moat
6.9
Valuation
5.1
Growth
5.8
Dividend
7.6
Momentum
4.9
Risk & Context
9.0

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E13.80
Fwd P/E14.44
EV/EBITDA3.17
P/B3.17
P/S2.14
PEG2.29
Market cap23.26 B EUR
Enterprise value7.68 B EUR
🏰 Quality and moat
ROIC (approx.)22.1%
Gross margin41.01%
FCF conversion40%
Operating margin20.05%
📈 Profitability and margins
ROE24.13%
ROA5.47%
Net margin15.71%
FCF975.2 M EUR
FCF yield4.19%
🏦 Solvency and liquidity
Total debt2.55 B EUR
Net debt-15.62 B EUR
Cash18.16 B EUR
EBITDA2.42 B EUR
Net debt / EBITDA-6.44
D/E34.69
Current ratio1.81
Quick ratio1.58
🚀 Growth
Revenue growth5.90%
Earnings growth6.30%
EPS (TTM)0.64 EUR
EPS (Fwd)0.61 EUR
💰 Dividend and risk
Dividend yield4.08%
Payout56.2%
Beta0.24
Analyst consensusBuy (16)
Target price10.56 EUR
52-week range8.64 EUR – 10.39 EUR
⚠️ Main risk: The main risk is exposure to a regulatory and interest rate environment in Europe that could compress margins in property and casualty insurance, along with dependence on Nordic and UK markets.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Sampo is a Finnish insurance and financial services group operating mainly in the Nordic countries and the UK, with brands such as If, Topdanmark, and Hastings, offering property, life, and health insurance. Sampo shows solid financial health (ROE 24.13%, operating margin 20.05%) and reasonable valuation (P/E 13.80), with moderate growth and an attractive dividend (net yield 3.46%, payout 56.25%).

Score by category

CategoryScore
Financial health8.3
Quality / Moat6.9
Valuation5.1
Growth5.8
Dividend7.6
Momentum4.9
Risk & Context9.0

OVERALL SCORE: 7.0/10

Context and risks

Moderate governance/regulatory risk in Finland. Sampo operates in Nordic and UK insurance, sectors with active regulatory oversight, but without known material litigation or investigations.

News considered in the analysis

  • Why Sampo Oyj (HLSE:SAMPO) Is Getting Attention Today — Artículo de plataforma financiera sin información nueva relevante; ruido.
  • Sampo Oyj (SAXPF) (Q2 2026) Earnings Call Highlights: Strong Growth and Raised Outlook Amid ... — Resultados del segundo trimestre con crecimiento sólido y guidance elevado; refuerza la narrativa de crecimiento, aunque parte ya está en el precio.
  • A Look At Sampo (HLSE:SAMPO) Valuation As Shares Weaken And Market Signals Remain Mixed — Análisis de valoración genérico sin información nueva; ruido.
  • Tracking How The Sampo Oyj (HLSE:SAMPO) Narrative Is Shifting With New Targets And Guidance — Nuevos objetivos y guidance; confirma la mejora de perspectivas, aunque el mercado ya lo ha descontado parcialmente.
  • Assessing Sampo (HLSE:SAMPO) Valuation After Recent Share Price Stability And Mixed Longer Term Returns — Comentario de valoración sin datos nuevos; ruido.

Verdict: Hold; the combination of quality, reasonable valuation, and sustainable dividend makes it attractive for defensive portfolios, though weak momentum (11th percentile in 52 weeks) suggests waiting for a better entry.

Main risk: The main risk is exposure to a regulatory and interest rate environment in Europe that could compress margins in property and casualty insurance, along with dependence on Nordic and UK markets.

Other Financial Services companies

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.