Sampo Oyj (SAMPO) Fair Value & Analysis
Financial Services · FI · Market cap €25.3B
Fair value as of: Jul 13, 2026
From 26 valuation models · updated 25 days ago
Fair value updated Jul 13, 2026, revised from €9.80 to €9.84 (+0.4%) since Jun 26, 2026. Share price +1.5% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range €5.13 – €9.93 · fair‑value band €7.38 – €12.30 · the €9.58 price screens below the €9.84 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Sampo Oyj (SAMPO) currently trades at €9.58, while our model-based Fair Value estimate is €9.84, implying the stock looks roughly 2.8% fairly valued today. We read business quality at 62/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Sampo Oyj generated revenue of €10.7B at a net margin of 15.6%. Revenue declined 7.8% year over year. It earns a return on equity of 21.3%. Net debt stands at €1.6B. Fundamentals as of Jul 13, 2026
Our scenario range runs from €7.38 (bear case) to €12.30 (bull case); at €9.58, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 4% below its 52-week high and 12% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 3%, SAMPO screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth Earnings (€13.70) versus Asset-Based (€1.98). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 64
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Sampo Oyj, together with its subsidiaries, provides non-life insurance products and services in Finland, Sweden, Norway, Denmark, Estonia, Lithuania, Latvia, Spain, Gibraltar, Germany, the Netherlands, France, and the United Kingdom. The company operates through Private Nordic, Private UK, Nordic Commercial, and Nordic Industrial segments.
Full company description
Sampo Oyj, together with its subsidiaries, provides non-life insurance products and services in Finland, Sweden, Norway, Denmark, Estonia, Lithuania, Latvia, Spain, Gibraltar, Germany, the Netherlands, France, and the United Kingdom. The company operates through Private Nordic, Private UK, Nordic Commercial, and Nordic Industrial segments. It offers property, casualty, liability, accident, sickness, household, homeowner, motor, travel, marine, aviation, transport, forest, livestock, health, workers compensation, car, van, and bike insurance, as well as reinsurance products under the If, Topdanmark, and Hastings brand names. Sampo Oyj was founded in 1909 and is based in Helsinki, Finland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Sampo Oyj reported revenue of €10.3B in FY2025 versus €10.1B in FY2021, a compound +0.5%/yr. Reported net income was €2.0B in FY2025, compounding −6.1%/yr from FY2021.
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Sampo plc’s share buybacks week 31/2026
- Sampo plc’s share buybacks week 30/2026
- Sampo plc’s share buybacks week 29/2026
- Sampo plc’s share buybacks week 28/2026
Peer Group
Insurance - Diversified · 84 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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