MANDATUM OYJ (1MANT.MI) Fundamental Analysis & Valuation

BIT:1MANT • FI4000552526

Current stock price

7.16 EUR
+0.18 (+2.52%)
Last:

This 1MANT.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1MANT.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1MANT was profitable.
  • 1MANT had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1MANT has been profitable.
  • Of the past 5 years 1MANT 4 years had a positive operating cash flow.
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 2025 0 500M -500M -1B

1.2 Ratios

  • With a Return On Assets value of 0.83%, 1MANT is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
  • 1MANT has a Return On Equity of 10.92%. This is in the lower half of the industry: 1MANT underperforms 62.00% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 10.92%
ROIC N/A
ROA(3y)0.91%
ROA(5y)1.51%
ROE(3y)10.42%
ROE(5y)14.92%
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 2025 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 35.39%, 1MANT belongs to the best of the industry, outperforming 96.00% of the companies in the same industry.
  • 1MANT's Profit Margin has improved in the last couple of years.
  • 1MANT's Operating Margin of 40.99% is amongst the best of the industry. 1MANT outperforms 98.00% of its industry peers.
  • 1MANT's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 40.99%
PM (TTM) 35.39%
GM N/A
OM growth 3Y-16.59%
OM growth 5YN/A
PM growth 3Y-13.44%
PM growth 5Y30.8%
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 2025 0 20 -20 40 -40 60 -60

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3

2. 1MANT.MI Health Analysis

2.1 Basic Checks

  • 1MANT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1MANT has about the same amount of shares outstanding.
  • Compared to 5 years ago, 1MANT has about the same amount of shares outstanding.
  • The debt/assets ratio for 1MANT has been reduced compared to a year ago.
1MANT.MI Yearly Shares Outstanding1MANT.MI Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B

2.2 Solvency

  • 1MANT has a debt to FCF ratio of 4.91. This is a neutral value as 1MANT would need 4.91 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.91, 1MANT is doing worse than 68.00% of the companies in the same industry.
  • 1MANT has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
  • 1MANT has a Debt to Equity ratio of 0.43. This is in the better half of the industry: 1MANT outperforms 68.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 4.91
Altman-Z N/A
ROIC/WACCN/A
WACC7.33%
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 2025 0 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 0.21 indicates that 1MANT may have some problems paying its short term obligations.
  • 1MANT has a Current ratio of 0.21. This is in the better half of the industry: 1MANT outperforms 68.00% of its industry peers.
  • A Quick Ratio of 0.21 indicates that 1MANT may have some problems paying its short term obligations.
  • The Quick ratio of 1MANT (0.21) is better than 68.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
1MANT.MI Yearly Current Assets VS Current Liabilites1MANT.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2025 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. 1MANT.MI Growth Analysis

3.1 Past

  • 1MANT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.06%.
  • Measured over the past 5 years, 1MANT shows a small growth in Earnings Per Share. The EPS has been growing by 6.13% on average per year.
  • The Revenue has decreased by -8.93% in the past year.
  • 1MANT shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -19.02% yearly.
EPS 1Y (TTM)-6.06%
EPS 3Y-34.26%
EPS 5Y6.13%
EPS Q2Q%-14.29%
Revenue 1Y (TTM)-8.93%
Revenue growth 3Y-23.75%
Revenue growth 5Y-19.02%
Sales Q2Q%-75.95%

3.2 Future

  • Based on estimates for the next years, 1MANT will show a small growth in Earnings Per Share. The EPS will grow by 1.13% on average per year.
  • 1MANT is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.27% yearly.
EPS Next Y0.78%
EPS Next 2Y2.84%
EPS Next 3Y2.28%
EPS Next 5Y1.13%
Revenue Next Year-27.45%
Revenue Next 2Y-11.25%
Revenue Next 3Y-7.27%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2028 500M 1B 1.5B
1MANT.MI Yearly EPS VS Estimates1MANT.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 2029 0.1 0.2 0.3

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1

4. 1MANT.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1MANT is valuated rather expensively with a Price/Earnings ratio of 23.10.
  • Based on the Price/Earnings ratio, 1MANT is valued a bit more expensive than the industry average as 78.00% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.89. 1MANT is around the same levels.
  • A Price/Forward Earnings ratio of 22.92 indicates a rather expensive valuation of 1MANT.
  • 1MANT's Price/Forward Earnings ratio is rather expensive when compared to the industry. 1MANT is more expensive than 86.00% 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 38.50.
Industry RankSector Rank
PE 23.1
Fwd PE 22.92
1MANT.MI Price Earnings VS Forward Price Earnings1MANT.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1MANT.
  • 1MANT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1MANT is more expensive than 74.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.1
EV/EBITDA 19
1MANT.MI Per share data1MANT.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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 an expensive valuation of the company.
PEG (NY)29.47
PEG (5Y)3.77
EPS Next 2Y2.84%
EPS Next 3Y2.28%

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

5

5. 1MANT.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 11.47%, 1MANT is a good candidate for dividend investing.
  • 1MANT's Dividend Yield is rather good when compared to the industry average which is at 3.89. 1MANT pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1MANT pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.47%

5.2 History

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

5.3 Sustainability

  • 1MANT pays out 212.69% of its income as dividend. This is not a sustainable payout ratio.
DP212.69%
EPS Next 2Y2.84%
EPS Next 3Y2.28%
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 2025 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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1MANT.MI Fundamentals: All Metrics, Ratios and Statistics

MANDATUM OYJ

BIT:1MANT (4/7/2026, 7:00:00 PM)

7.16

+0.18 (+2.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)05-08
Inst Owners36.04%
Inst Owner ChangeN/A
Ins Owners0.37%
Ins Owner ChangeN/A
Market Cap3.60B
Revenue(TTM)440.80M
Net Income(TTM)156.00M
Analysts44.62
Price Target6.14 (-14.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 11.47%
Yearly Dividend0.66
Dividend Growth(5Y)N/A
DP212.69%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.41%
Min EPS beat(2)-23.35%
Max EPS beat(2)20.52%
EPS beat(4)1
Avg EPS beat(4)-6.38%
Min EPS beat(4)-23.35%
Max EPS beat(4)20.52%
EPS beat(8)2
Avg EPS beat(8)-5.39%
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)-24.97%
Min Revenue beat(2)-42.88%
Max Revenue beat(2)-7.07%
Revenue beat(4)1
Avg Revenue beat(4)29.63%
Min Revenue beat(4)-42.88%
Max Revenue beat(4)210.68%
Revenue beat(8)5
Avg Revenue beat(8)122.87%
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)5.25%
PT rev (3m)5.25%
EPS NQ rev (1m)-15%
EPS NQ rev (3m)-15%
EPS NY rev (1m)-2.15%
EPS NY rev (3m)-2.68%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-15.91%
Revenue NY rev (3m)-15.91%
Valuation
Industry RankSector Rank
PE 23.1
Fwd PE 22.92
P/S 8.17
P/FCF 29.1
P/OCF 28.39
P/B 2.52
P/tB 2.62
EV/EBITDA 19
EPS(TTM)0.31
EY4.33%
EPS(NY)0.31
Fwd EY4.36%
FCF(TTM)0.25
FCFY3.44%
OCF(TTM)0.25
OCFY3.52%
SpS0.88
BVpS2.84
TBVpS2.73
PEG (NY)29.47
PEG (5Y)3.77
Graham Number4.45086 (-37.84%)
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 10.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 40.99%
PM (TTM) 35.39%
GM N/A
FCFM 28.09%
ROA(3y)0.91%
ROA(5y)1.51%
ROE(3y)10.42%
ROE(5y)14.92%
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)1.16%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-16.59%
OM growth 5YN/A
PM growth 3Y-13.44%
PM growth 5Y30.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 4.91
Debt/EBITDA 3.28
Cap/Depr 65.96%
Cap/Sales 0.7%
Interest Coverage 250
Cash Conversion 68.45%
Profit Quality 79.36%
Current Ratio 0.21
Quick Ratio 0.21
Altman-Z N/A
F-Score5
WACC7.33%
ROIC/WACCN/A
Cap/Depr(3y)76.85%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.74%
Cap/Sales(5y)N/A
Profit Quality(3y)97.54%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.06%
EPS 3Y-34.26%
EPS 5Y6.13%
EPS Q2Q%-14.29%
EPS Next Y0.78%
EPS Next 2Y2.84%
EPS Next 3Y2.28%
EPS Next 5Y1.13%
Revenue 1Y (TTM)-8.93%
Revenue growth 3Y-23.75%
Revenue growth 5Y-19.02%
Sales Q2Q%-75.95%
Revenue Next Year-27.45%
Revenue Next 2Y-11.25%
Revenue Next 3Y-7.27%
Revenue Next 5YN/A
EBIT growth 1Y-12.07%
EBIT growth 3Y-36.39%
EBIT growth 5YN/A
EBIT Next Year-7.43%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y77.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y76.01%
OCF growth 3YN/A
OCF growth 5YN/A

MANDATUM OYJ / 1MANT.MI Fundamental Analysis 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.


Can you provide the profitability details for MANDATUM OYJ?

MANDATUM OYJ (1MANT.MI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for 1MANT stock?

The Price/Earnings (PE) ratio for MANDATUM OYJ (1MANT.MI) is 23.1 and the Price/Book (PB) ratio is 2.52.


What is the expected EPS growth for MANDATUM OYJ (1MANT.MI) stock?

The Earnings per Share (EPS) of MANDATUM OYJ (1MANT.MI) is expected to grow by 0.78% in the next year.