MANDATUM OYJ (1MANT.MI) Stock Fundamental Analysis

BIT:1MANT • FI4000552526

6.984 EUR
+6.98 (+Infinity%)
Last: Jan 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

1MANT gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. 1MANT may be in some trouble as it scores bad on both profitability and health. 1MANT is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year 1MANT was profitable.
  • In the past year 1MANT has reported a negative cash flow from operations.
  • Each year in the past 5 years 1MANT has been profitable.
  • In multiple years 1MANT reported negative operating cash flow during the last 5 years.
1MANT.MI Yearly Net Income VS EBIT VS OCF VS FCF1MANT.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

  • 1MANT has a Return On Assets of 0.86%. This is in the lower half of the industry: 1MANT underperforms 66.67% of its industry peers.
  • The Return On Equity of 1MANT (11.34%) is worse than 77.08% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 11.34%
ROIC N/A
ROA(3y)1.85%
ROA(5y)1.51%
ROE(3y)17.47%
ROE(5y)14.22%
ROIC(3y)N/A
ROIC(5y)N/A
1MANT.MI Yearly ROA, ROE, ROIC1MANT.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • 1MANT has a better Profit Margin (35.20%) than 95.83% of its industry peers.
  • 1MANT's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 41.87%, 1MANT belongs to the best of the industry, outperforming 97.92% of the companies in the same industry.
Industry RankSector Rank
OM 41.87%
PM (TTM) 35.2%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.48%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
1MANT.MI Yearly Profit, Operating, Gross Margins1MANT.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 -60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • 1MANT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1MANT has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, 1MANT has a worse debt to assets ratio.
1MANT.MI Yearly Shares Outstanding1MANT.MI Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
1MANT.MI Yearly Total Debt VS Total Assets1MANT.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • 1MANT has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
  • 1MANT has a better Debt to Equity ratio (0.42) than 72.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.32%
1MANT.MI Yearly LT Debt VS Equity VS FCF1MANT.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 0.19 indicates that 1MANT may have some problems paying its short term obligations.
  • 1MANT has a Current ratio of 0.19. This is in the better half of the industry: 1MANT outperforms 66.67% of its industry peers.
  • A Quick Ratio of 0.19 indicates that 1MANT may have some problems paying its short term obligations.
  • 1MANT has a Quick ratio of 0.19. This is in the better half of the industry: 1MANT outperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.19
Quick Ratio 0.19
1MANT.MI Yearly Current Assets VS Current Liabilites1MANT.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2M 4M 6M 8M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The earnings per share for 1MANT have decreased by 0.00% in the last year.
  • 1MANT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.57% yearly.
  • Looking at the last year, 1MANT shows a very negative growth in Revenue. The Revenue has decreased by -12.08% in the last year.
  • 1MANT shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -35.13% yearly.
EPS 1Y (TTM)0%
EPS 3Y-5.57%
EPS 5YN/A
EPS Q2Q%28.57%
Revenue 1Y (TTM)-12.08%
Revenue growth 3Y-35.13%
Revenue growth 5YN/A
Sales Q2Q%-64.77%

3.2 Future

  • Based on estimates for the next years, 1MANT will show a decrease in Earnings Per Share. The EPS will decrease by -0.96% on average per year.
  • Based on estimates for the next years, 1MANT will show a decrease in Revenue. The Revenue will decrease by -5.09% on average per year.
EPS Next Y0.5%
EPS Next 2Y-1.63%
EPS Next 3Y-0.21%
EPS Next 5Y-0.96%
Revenue Next Year-9.47%
Revenue Next 2Y-11.62%
Revenue Next 3Y-5.09%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1MANT.MI Yearly Revenue VS Estimates1MANT.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
1MANT.MI Yearly EPS VS Estimates1MANT.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 0.1 0.2 0.3

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 21.82, which indicates a rather expensive current valuation of 1MANT.
  • 85.42% of the companies in the same industry are cheaper than 1MANT, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.05, 1MANT is valued at the same level.
  • With a Price/Forward Earnings ratio of 21.87, 1MANT is valued on the expensive side.
  • 1MANT's Price/Forward Earnings ratio is rather expensive when compared to the industry. 1MANT is more expensive than 93.75% of the companies in the same industry.
  • 1MANT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 21.83
Fwd PE 21.87
1MANT.MI Price Earnings VS Forward Price Earnings1MANT.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1MANT's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 17.95
1MANT.MI Per share data1MANT.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1MANT does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)43.39
PEG (5Y)N/A
EPS Next 2Y-1.63%
EPS Next 3Y-0.21%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • 1MANT has a Yearly Dividend Yield of 4.84%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.18, 1MANT pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, 1MANT pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.84%

5.2 History

Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 209.47% of the earnings are spent on dividend by 1MANT. This is not a sustainable payout ratio.
DP209.47%
EPS Next 2Y-1.63%
EPS Next 3Y-0.21%
1MANT.MI Yearly Income VS Free CF VS Dividend1MANT.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 200M -200M 400M
1MANT.MI Dividend Payout.1MANT.MI Dividend Payout, showing the Payout Ratio.1MANT.MI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MANDATUM OYJ

BIT:1MANT (1/16/2026, 7:00:00 PM)

6.984

+6.98 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-11
Earnings (Next)02-12
Inst Owners35.4%
Inst Owner ChangeN/A
Ins Owners0.37%
Ins Owner ChangeN/A
Market Cap3.51B
Revenue(TTM)450.00M
Net Income(TTM)158.40M
Analysts46.15
Price Target5.83 (-16.52%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.84%
Yearly Dividend0.33
Dividend Growth(5Y)N/A
DP209.47%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.41%
Min EPS beat(2)-13.7%
Max EPS beat(2)20.52%
EPS beat(4)1
Avg EPS beat(4)-5.55%
Min EPS beat(4)-20.05%
Max EPS beat(4)20.52%
EPS beat(8)2
Avg EPS beat(8)-7.69%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-24.65%
Min Revenue beat(2)-42.22%
Max Revenue beat(2)-7.07%
Revenue beat(4)2
Avg Revenue beat(4)84.36%
Min Revenue beat(4)-42.22%
Max Revenue beat(4)210.68%
Revenue beat(8)6
Avg Revenue beat(8)166.17%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 21.83
Fwd PE 21.87
P/S 7.8
P/FCF N/A
P/OCF N/A
P/B 2.51
P/tB 2.62
EV/EBITDA 17.95
EPS(TTM)0.32
EY4.58%
EPS(NY)0.32
Fwd EY4.57%
FCF(TTM)-0.2
FCFYN/A
OCF(TTM)-0.19
OCFYN/A
SpS0.9
BVpS2.78
TBVpS2.67
PEG (NY)43.39
PEG (5Y)N/A
Graham Number4.47
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 11.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 41.87%
PM (TTM) 35.2%
GM N/A
FCFM N/A
ROA(3y)1.85%
ROA(5y)1.51%
ROE(3y)17.47%
ROE(5y)14.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.48%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF N/A
Debt/EBITDA 3.05
Cap/Depr 64.58%
Cap/Sales 0.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.19
Quick Ratio 0.19
Altman-Z N/A
F-Score2
WACC7.32%
ROIC/WACCN/A
Cap/Depr(3y)71.14%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.64%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y-5.57%
EPS 5YN/A
EPS Q2Q%28.57%
EPS Next Y0.5%
EPS Next 2Y-1.63%
EPS Next 3Y-0.21%
EPS Next 5Y-0.96%
Revenue 1Y (TTM)-12.08%
Revenue growth 3Y-35.13%
Revenue growth 5YN/A
Sales Q2Q%-64.77%
Revenue Next Year-9.47%
Revenue Next 2Y-11.62%
Revenue Next 3Y-5.09%
Revenue Next 5YN/A
EBIT growth 1Y-14.36%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.76%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-74.59%
FCF growth 3Y-44.02%
FCF growth 5YN/A
OCF growth 1Y-74.27%
OCF growth 3Y-43.41%
OCF growth 5YN/A

MANDATUM OYJ / 1MANT.MI FAQ

What is the ChartMill fundamental rating of MANDATUM OYJ (1MANT.MI) stock?

ChartMill assigns a fundamental rating of 2 / 10 to 1MANT.MI.


What is the valuation status of MANDATUM OYJ (1MANT.MI) stock?

ChartMill assigns a valuation rating of 1 / 10 to MANDATUM OYJ (1MANT.MI). This can be considered as Overvalued.


How profitable is MANDATUM OYJ (1MANT.MI) stock?

MANDATUM OYJ (1MANT.MI) has a profitability rating of 3 / 10.


Can you provide the financial health for 1MANT stock?

The financial health rating of MANDATUM OYJ (1MANT.MI) is 2 / 10.


How sustainable is the dividend of MANDATUM OYJ (1MANT.MI) stock?

The dividend rating of MANDATUM OYJ (1MANT.MI) is 4 / 10 and the dividend payout ratio is 209.47%.