Company Overview
Sampo Group is a leading Finnish financial services company that provides a wide range of insurance and investment products to its customers. With a rich history dating back to 1856, Sampo has established itself as a trusted and reliable partner for individuals, families, and businesses alike.
The primary mission of Sampo Group is to provide innovative and sustainable solutions that meet the evolving needs of its customers. This is achieved through its core values of Integrity, Expertise, and Customer Focus. By living these values, Sampo aims to build long-term relationships with its customers and contribute to the well-being of society.
Key Products/Services
Sampo Group offers a diverse range of insurance products, including property insurance, liability insurance, and life insurance. Its investment services include pension funds, mutual funds, and exchange-traded funds (ETFs). The company's Scope 3 initiative focuses on reducing greenhouse gas emissions from its operations and supply chain.
The benefits of Sampo Group's products and services include comprehensive coverage, competitive pricing, and a wide range of investment options. Its insurance products are designed to provide peace of mind for individuals and businesses, while its investment services aim to help customers achieve their long-term financial goals.
Benefits
Sampo Group's benefits include its extensive network of agents and branches across Finland, as well as its commitment to sustainability and social responsibility. The company's SBM-3 strategy focuses on creating a more sustainable future for its customers and the environment.
The unique selling points of Sampo Group include its expertise in insurance and investment products, its strong brand reputation, and its commitment to customer satisfaction. By choosing Sampo Group, customers can trust that they are receiving high-quality products and services from a company with a long history of reliability and integrity.
Sampo Group's investment services offer a range of benefits, including diversified portfolios, competitive fees, and expert management. The company's ORSA process ensures that its investments are aligned with its overall risk strategy and long-term goals.
The investment highlights of Sampo Group include its expertise in pension fund management, its commitment to sustainability, and its focus on delivering long-term returns to its customers. By investing with Sampo Group, customers can trust that their investments are being managed by a company with a proven track record of success.
Valuation
| 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|
| Number of Shares (million) | 2006.4 | 2153.0 | 2662.0 | 2662.0 | 2662.0 | 2662.0 |
| Target Valuation (MEur) | 11924.4 | 17082.5 | 20551.0 | 21413.1 | 21127.8 | 21127.8 |
| Targer Price | 5.94 | 7.93 | 7.72 | 8.04 | 7.94 | 7.94 |
| Potential, % | -25.2 | 0.7 | -25.3 | -17.0 | -18.1 | -18.1 |
| Recommendation | Sell | Hold | Sell | Hold | Hold | Hold |
| MCAP (MEur) | 15940.7 | 16956.9 | 27498.5 | 25810.8 | 25810.8 | 25810.8 |
| Price | 7.94 | 7.88 | 10.33 | 9.7 | 9.7 | 9.7 |
| EV | 15941.0 | 16957.0 | 27498.0 | 25811.0 | 25811.0 | 25811.0 |
| P/S | 2.04 | 1.9 | 2.77 | 2.56 | 2.35 | 2.29 |
| EV/S | 2.04 | 1.9 | 2.77 | 2.56 | 2.35 | 2.29 |
| EV/EBIT | 10.76 | 10.89 | 13.21 | 19.8 | 12.69 | 12.82 |
| P/E | 11.44 | 14.1 | 16.75 | 26.49 | 15.87 | 16.03 |
| P/B | 2.19 | 2.4 | 3.4 | 2.8 | 2.38 | 2.07 |
| P/OCF | 16.43 | 12.78 | 15.63 | 37.82 | 25.91 | 24.82 |
| EV/OCF | 16.43 | 12.78 | 15.63 | 37.82 | 25.91 | 24.82 |
| P/FCF | 21.34 | 14.11 | 17.09 | 45.48 | 30.0 | 28.55 |
| EV/FCF | 21.34 | 14.11 | 17.09 | 45.48 | 30.0 | 28.55 |
Income Statement
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Revenue | 9732.0 | 7809.0 | 8911.0 | 9925.0 | 10081.9 | 11004.8 | 11274.6 |
| Rev. Growth, % | 0.0 | -19.8 | 14.1 | 11.4 | 1.6 | 9.2 | 2.5 |
| Ebit | 1862.0 | 1481.0 | 1557.0 | 2082.0 | 1303.3 | 2033.4 | 2012.6 |
| Ebit Growth, % | 0.0 | -20.5 | 5.1 | 33.7 | -37.4 | 56.0 | -1.0 |
| Ebit, % | 19.1 | 19.0 | 17.5 | 21.0 | 12.9 | 18.5 | 17.9 |
| Profit | 1541.0 | 1394.0 | 1203.0 | 1642.0 | 974.3 | 1626.7 | 1610.1 |
| EPS | 0.75 | 0.69 | 0.56 | 0.62 | 0.37 | 0.61 | 0.6 |
| Profit Growth, % | 0.0 | -9.5 | -13.7 | 36.5 | -40.7 | 67.0 | -1.0 |
| Profit, % | 15.8 | 17.9 | 13.5 | 16.5 | 9.7 | 14.8 | 14.3 |
Balance Sheet
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Acc. Receivable | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Cash | 3073.0 | 1415.0 | 962.0 | 1319.0 | 1814.5 | 2674.8 | 3578.9 |
| Equity | 8969.0 | 7263.0 | 7059.0 | 8092.0 | 9225.3 | 10852.0 | 12462.1 |
| ROE, % | 17.2 | 19.2 | 17.0 | 20.3 | 10.6 | 15.0 | 12.9 |
| ROCE, % | 15.5 | 17.1 | 19.4 | 22.1 | 11.8 | 15.0 | 12.5 |
| Net Debt | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Gearing, % | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Equity ratio, % | 21.3 | 30.0 | 28.8 | 31.5 | 34.6 | 40.7 | 46.8 |
| Acc. Payable | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Assets | 42033.0 | 24225.0 | 24478.0 | 25723.0 | 26631.0 | 26631.0 | 26631.0 |
| ROA, % | 3.7 | 5.8 | 4.9 | 6.4 | 3.7 | 6.1 | 6.0 |
Cash Flow
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 33.0 | 970.0 | 1327.0 | 1759.0 | 682.5 | 996.3 | 1040.1 |
| Investment Cash Flow | 2970.0 | -223.0 | -125.0 | -150.0 | -115.0 | -136.0 | -136.0 |
| Free Cash Flow | 3003.0 | 747.0 | 1202.0 | 1609.0 | 567.5 | 860.3 | 904.1 |
| OCF/CAPEX | 0.0 | 4.35 | 10.62 | 11.73 | 5.93 | 7.33 | 7.65 |
| Financial Cash Flow | -4704.0 | -2407.0 | -1660.0 | -1257.0 | -68.0 | 0.0 | 0.0 |
Disclaimer
Risk Disclosure: Trading in financial instruments involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
The data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes.
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