Income Statement

Sampo's revenue growth in the last quarter has been driven by a combination of factors, including a robust operational performance and a favorable claims environment. The company's diversified business model, which spans multiple regions and product lines, has enabled it to maintain a strong top-line growth momentum. Sampo's ability to leverage its advanced operational capabilities and digital offerings has also contributed to its revenue growth, as evidenced by the increased adoption of its mobile app and AI-powered virtual agent. Furthermore, the company's investments in pricing capabilities and digital product innovation have enabled it to maintain stable growth in its Private UK segment. Overall, Sampo's revenue growth is expected to continue, driven by its strong operational momentum and ability to adapt to changing market conditions.

The realised revenue for Q2 2026 is 2698 million Euros, and the predicted revenue for Q2 2027 (e) is 2823.8 million Euros. The revenue is expected to increase by 125.8 million Euros, which is a 4.65% change from Q2 2026 to Q2 2027 (e). The revenue is expected to increase by 766.9 million Euros from 2025 to 2026, which is a 7.7% change. From 2026 to 2027, the revenue is predicted to increase by 971.6 million Euros, representing a 9.4% change. The annual revenue values are 9.9 million Euros in 2025, 10.4 million Euros in 2026, and 10.9 million Euros in 2027.

Sampo's EBIT profitability has demonstrated a notable increase, driven primarily by improved underwriting results and enhanced investment income. The company's ability to effectively manage claims and operating expenses has contributed significantly to this upward trend. Furthermore, Sampo's strategic investments in financial assets have yielded substantial returns, bolstering its overall profitability. However, the impact of certain one-time items, such as the sale of NOBA shares, has also played a role in the company's improved EBIT performance. Overall, Sampo's enhanced profitability is a testament to its prudent risk management and astute investment decisions.

The realised Ebit for Q2 2026 is 584 million Euros, while the predicted Ebit for Q2 2027 (e) is 504.5 million Euros. The expected change in Ebit from Q2 2026 to Q2 2027 (e) is a decrease of 79.5 million Euros, which represents a decline of approximately 13.6% from the realised value. The Ebit is expected to decrease by 574.7 million Euros from 2025 to 2026, which is a 27.7% change. From 2026 to 2027, the Ebit is expected to increase by 494.2 million Euros, which is a 32.8% change. The annual Ebit values are 2082.0 million Euros in 2025, 1508.3 million Euros in 2026, and 2002.5 million Euros in 2027.

The profit before tax in Q2 2026 is 584 million Euros, and in Q2 2027 (e) it is predicted to be 504.5 million Euros. The expected change in one year is a decrease of 79.5 million Euros, which translates to a percentage decrease of approximately 13.6%. The change in Profit before tax from 2025 to 2026 is a decrease of 574.7 million Euros, which is a 27.7% drop. From 2026 to 2027, the change is an increase of 494.2 million Euros, which is a 32.8% rise. The annual values for Profit before tax are 2,082 million Euros in 2025, 1,508.3 million Euros in 2026, and 2,002.5 million Euros in 2027.

The realised profit for Q2 2026 is 462 million Euros, while the predicted profit for Q2 2027 (e) is 403.6 million Euros. The expected change in profit from Q2 2026 to Q2 2027 (e) is a decrease of 58.4 million Euros, which translates to a percentage decrease of approximately 12.6%. The profit is expected to decrease by 509 million Euros from 2025 to 2026, which is a 31% decrease. From 2026 to 2027, the profit is expected to increase by 469 million Euros, which is a 41% increase. The annual profit values are 1642 million Euros in 2025, 1133 million Euros in 2026, and 1602 million Euros in 2027.