-1.31%
0.20%
-3.68%
0.51%
2.47%
-10.08%
-2.60%
AI Spotlight on SAMPO
Company Description
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.
Market Data
| Last Price | 39.78 |
| Change Percentage | -1.31% |
| Open | 40.34 |
| Previous Close | 40.31 |
| Market Cap ( Millions) | 21098 |
| Volume | 579208 |
| Year High | 42.37 |
| Year Low | 37.38 |
| M A 50 | 39.66 |
| M A 200 | 40.14 |
Financial Ratios
| FCF Yield | 3.82% |
| Dividend Yield | 4.02% |
| ROE | 18.82% |
| Debt / Equity | 41.86% |
| Net Debt / EBIDTA | 70.04% |
| Price To Book | 2.61 |
| Price Earnings Ratio | 13.59 |
| Price To FCF | 26.21 |
| Price To sales | 2.17 |
| EV / EBITDA | 10.86 |
News
- Jan -29 - Sampo Group's results for 2024 will be published on 6 February 2025
- Dec -10 - Sampo plc cancels repurchased shares
- Dec -09 - Proposals of the Nomination and Remuneration Committee of Sampo plc’s Board of Directors to the Annual General Meeting
- Dec -03 - Sampo's Christmas donation to the Red Cross
- Dec -02 - Sampo completes its share buyback programme
- Dec -02 - Sampo plc’s share buybacks 29 November 2024
- Nov -29 - Sampo plc’s share buybacks 28 November 2024
- Nov -28 - Sampo plc: Managers’ Transactions (Magnusson)
- Nov -28 - Sampo plc’s share buybacks 27 November 2024
- Nov -27 - Sampo plc’s share buybacks 26 November 2024
- Nov -26 - Sampo plc’s share buybacks 25 November 2024
- Nov -25 - Sampo plc’s share buybacks 22 November 2024
- Nov -22 - Sampo plc’s share buybacks 21 November 2024
- Nov -21 - Sampo plc’s share buybacks 20 November 2024
- Nov -20 - Sampo plc’s share buybacks 19 November 2024
- Nov -19 - Sampo plc’s share buybacks 18 November 2024
- Nov -18 - Sampo plc’s share buybacks 15 November 2024
- Nov -15 - Sampo plc’s share buybacks 14 November 2024
- Nov -14 - Sampo plc’s share buybacks 13 November 2024
- Nov -13 - Sampo plc’s share buybacks 12 November 2024
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> If
Expected Growth : 1.5 %
What the company do ?
If P&C Insurance, a subsidiary of Sampo Oyj, is a leading Nordic insurance company offering non-life insurance products to individuals and corporations.
Why we expect these perspectives ?
Sampo Oyj's 1.5% growth is driven by increasing premiums in Nordic P&C insurance, expansion in emerging markets, and cost savings from digitalization. Additionally, the company's strong capital position and efficient use of capital support growth. Furthermore, Sampo's diversified business model and solid underwriting performance contribute to its growth momentum.
Segment n°2 -> Hastings
Expected Growth : 1.8 %
What the company do ?
Hastings from Sampo Oyj refers to the acquisition of Hastings Insurance Group by Finnish insurer Sampo Oyj, expanding its presence in the UK insurance market.
Why we expect these perspectives ?
Hastings' 1.8% growth, driven by Sampo Oyj, is attributed to its strong underwriting performance, efficient cost management, and strategic partnerships. Additionally, the insurer's focus on digitalization and data analytics has enhanced customer experience, leading to increased retention rates and new business growth.
Segment n°3 -> Topdanmark
Expected Growth : 1.6 %
What the company do ?
Topdanmark is a Danish insurance company acquired by Sampo Oyj, a Finnish financial company, in 2022, expanding its presence in the Nordic region.
Why we expect these perspectives ?
Topdanmark's 1.6% growth, acquired by Sampo Oyj, is driven by increasing demand for non-life insurance products in Denmark, expansion into new markets, and cost savings from operational efficiencies. Additionally, Sampo's strong financial position and expertise in the Nordic insurance market support Topdanmark's growth strategy.
Segment n°4 -> Ownership Community
Expected Growth : 1.2 %
What the company do ?
The Ownership Community from Sampo Oyj refers to a group of shareholders who collectively own a significant portion of the company's shares, influencing its strategic decisions and operations.
Why we expect these perspectives ?
Sampo Oyj's Ownership Community segment growth of 1.2% is driven by increasing demand for insurance products, Nordic region's economic stability, and the company's strong brand reputation. Additionally, strategic partnerships, efficient cost management, and digitalization efforts contribute to the segment's growth.
Segment n°5 -> Elimination
Expected Growth : 0.5 %
What the company do ?
Elimination from Sampo Oyj refers to the removal of inter-company transactions and unrealized profits to present a consolidated financial statement.
Why we expect these perspectives ?
Sampo Oyj's elimination with 0.5% growth is driven by declining Nordic insurance markets, intense competition, and increasing regulatory pressures. Additionally, the company's high dividend payout ratio and limited growth opportunities in its core business segments also contribute to this stagnant growth.
Sampo Oyj Products
| Product Range | What is it ? |
|---|---|
| Life Insurance | Sampo Oyj offers life insurance products that provide financial protection to individuals and families in the event of death or disability. |
| Non-Life Insurance | Sampo Oyj provides non-life insurance products that cover risks such as accidents, property damage, and liability. |
| Pension Insurance | Sampo Oyj offers pension insurance products that help individuals save for retirement and ensure a steady income stream in old age. |
| Investment Products | Sampo Oyj provides investment products such as mutual funds, exchange-traded funds, and other investment vehicles. |
| Banking Services | Sampo Oyj offers banking services such as savings accounts, loans, and credit cards. |
Sampo Oyj's Porter Forces
Threat Of Substitutes
Sampo Oyj operates in the insurance industry, where substitutes are limited. However, digitalization and fintech companies may pose a threat in the future.
Bargaining Power Of Customers
Sampo Oyj's customers have limited bargaining power due to the company's strong brand and diversified product offerings.
Bargaining Power Of Suppliers
Sampo Oyj has a diversified supplier base, which reduces the bargaining power of individual suppliers.
Threat Of New Entrants
The insurance industry has high barriers to entry, including regulatory requirements and capital requirements, making it difficult for new entrants to join the market.
Intensity Of Rivalry
The insurance industry is highly competitive, with many established players competing for market share. Sampo Oyj faces intense rivalry from other insurance companies.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 27.81% |
| Debt Cost | 4.31% |
| Equity Weight | 72.19% |
| Equity Cost | 7.59% |
| WACC | 6.68% |
| Leverage | 38.52% |
Sampo Oyj : Quality Control
Sampo Oyj passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TLX.DE | Talanx AG provides insurance and reinsurance products and services worldwide. The company offers life, casualty, liability, motor, aviation, legal protection, fire, burglary and theft, water damage, plate glass, windstorm, comprehensive … |
| CS.PA | AXA SA, through its subsidiaries, provides insurance, asset management, and banking services worldwide. The company operates through France, Europe, Asia, AXA XL, International, and Transversal & Central Holdings segments. It … |
| ZURN.SW | Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company … |
| SLHN.SW | Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company … |
| ALV.DE | Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company's Property-Casualty segment offers various insurance products, including motor liability and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Zurich Insurance
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Allianz
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Talanx
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1-Year Total Return ->
4
AXA
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1-Year Total Return ->
5
Sampo
A-Score
1-Year Total Return ->
6
