Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Sampo Oyj Class A is the primary share class of Sampo Oyj, a leading Nordic insurance group headquartered in Helsinki, Finland. Founded in 1909, the company specializes in non-life insurance products and services, operating through key subsidiaries including If, the largest property and casualty insurer in the Nordics with activities in Sweden, Denmark, Norway, and Finland; Topdanmark, a Danish insurer focused on personal lines, agriculture, and small to medium-sized enterprises; and Hastings, a UK-based digital insurer offering car, van, bike, and home policies. Sampo serves retail customers across Europe, including Finland, the Baltic states, Spain, Germany, and the UK, with offerings encompassing property, casualty, liability, motor, household, travel, health, and reinsurance products. As a major player in the financial services sector's diversified insurance industry, Sampo Oyj Class A holds significant market presence, featuring in prominent indices like OMX Helsinki 25, STOXX Europe 600 Insurance, and Bloomberg Europe Insurance. Listed since 1988, it represents one of Nasdaq Helsinki's most valuable companies, with approximately 2.65 billion A shares outstanding and a unique redemption clause for major shareholders exceeding certain ownership thresholds. The share supports a trailing dividend yield around 3.65%, underscoring its role in providing stable returns within the European insurance landscape.
€9.26
+€0.06 (+0.65%)
EOD Jul 2, 2026
19.36% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 12.2% YoY.
At 15x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
15.2x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€10.13B
▲ +12.2% YoY
Net Income (TTM)
€1.67B
▲ +66.1% YoY
Net Margin
16.46%
P/E
15.2x
Balance Sheet
Total Assets
€25.72B
Equity
€8.09B
Total Debt
€2.71B
Cash & Equiv.
€1.32B
3Y CAGR: +10.3%
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At a P/E of 15.2 and a price-to-free-cash-flow of 30.6, Sampo Oyj Class A (SAMPO.XHEL) trades above a two-stage DCF intrinsic value of about €4.71 per share, so at €9.26 the stock looks overvalued (49.1% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Sampo Oyj Class A scores 49/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €4.71 per share for SAMPO.XHEL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €3.53. At today's €9.26, that puts the stock about 49.1% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Sampo Oyj Class A scores 49 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Sampo Oyj Class A pays a regular dividend of about €0.34 per share per year (typically in quarterly installments), a yield of roughly 3.7% at the current price. That is a payout ratio of about 54.9% of earnings, so the dividend is well covered. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For SAMPO.XHEL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. SAMPO.XHEL currently trades above its estimated intrinsic value and scores 49/100 on quality (mixed). It also yields about 3.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.