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SAMPO OYJ-A SHS (1SAMP.MI) Stock Fundamental Analysis

BIT:1SAMP - Euronext Milan - FI4000552500 - Common Stock - Currency: EUR

9.104  -0.62 (-6.4%)

Fundamental Rating

4

Overall 1SAMP gets a fundamental rating of 4 out of 10. We evaluated 1SAMP against 41 industry peers in the Insurance industry. While 1SAMP is still in line with the averages on profitability rating, there are concerns on its financial health. 1SAMP has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

1SAMP had positive earnings in the past year.
In the past year 1SAMP had a positive cash flow from operations.
1SAMP had positive earnings in each of the past 5 years.
1SAMP had a positive operating cash flow in each of the past 5 years.
1SAMP.MI Yearly Net Income VS EBIT VS OCF VS FCF1SAMP.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B 2.5B

1.2 Ratios

With an excellent Return On Assets value of 4.22%, 1SAMP belongs to the best of the industry, outperforming 92.50% of the companies in the same industry.
1SAMP's Return On Equity of 14.65% is fine compared to the rest of the industry. 1SAMP outperforms 62.50% of its industry peers.
Industry RankSector Rank
ROA 4.22%
ROE 14.65%
ROIC N/A
ROA(3y)5.18%
ROA(5y)3.96%
ROE(3y)18.82%
ROE(5y)15.37%
ROIC(3y)N/A
ROIC(5y)N/A
1SAMP.MI Yearly ROA, ROE, ROIC1SAMP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

1SAMP's Profit Margin of 11.01% is fine compared to the rest of the industry. 1SAMP outperforms 62.50% of its industry peers.
In the last couple of years the Profit Margin of 1SAMP has grown nicely.
The Operating Margin of 1SAMP (15.51%) is better than 77.50% of its industry peers.
In the last couple of years the Operating Margin of 1SAMP has grown nicely.
Industry RankSector Rank
OM 15.51%
PM (TTM) 11.01%
GM N/A
OM growth 3Y1.14%
OM growth 5Y9.47%
PM growth 3Y-14.97%
PM growth 5Y2.53%
GM growth 3YN/A
GM growth 5YN/A
1SAMP.MI Yearly Profit, Operating, Gross Margins1SAMP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

1SAMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1SAMP has been increased compared to 1 year ago.
Compared to 5 years ago, 1SAMP has less shares outstanding
Compared to 1 year ago, 1SAMP has an improved debt to assets ratio.
1SAMP.MI Yearly Shares Outstanding1SAMP.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
1SAMP.MI Yearly Total Debt VS Total Assets1SAMP.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of 1SAMP is 1.36, which is an excellent value as it means it would take 1SAMP, only 1.36 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.36, 1SAMP is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
1SAMP has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
1SAMP's Debt to Equity ratio of 0.35 is fine compared to the rest of the industry. 1SAMP outperforms 77.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.36
Altman-Z N/A
ROIC/WACCN/A
WACC7.09%
1SAMP.MI Yearly LT Debt VS Equity VS FCF1SAMP.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SAMP.MI Yearly Current Assets VS Current Liabilites1SAMP.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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3

3. Growth

3.1 Past

1SAMP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -23.47%.
The Earnings Per Share has been decreasing by -0.09% on average over the past years.
Looking at the last year, 1SAMP shows a small growth in Revenue. The Revenue has grown by 5.62% in the last year.
Measured over the past years, 1SAMP shows a decrease in Revenue. The Revenue has been decreasing by -2.05% on average per year.
EPS 1Y (TTM)-23.47%
EPS 3Y-21.38%
EPS 5Y-0.09%
EPS Q2Q%-19.12%
Revenue 1Y (TTM)5.62%
Revenue growth 3Y-9.9%
Revenue growth 5Y-2.05%
Sales Q2Q%-0.64%

3.2 Future

The Earnings Per Share is expected to grow by 9.31% on average over the next years. This is quite good.
1SAMP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.55% yearly.
EPS Next Y17.89%
EPS Next 2Y13.06%
EPS Next 3Y11.44%
EPS Next 5Y9.31%
Revenue Next Year12.04%
Revenue Next 2Y8.56%
Revenue Next 3Y6.29%
Revenue Next 5Y7.55%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1SAMP.MI Yearly Revenue VS Estimates1SAMP.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
1SAMP.MI Yearly EPS VS Estimates1SAMP.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.2 0.4 0.6 0.8

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 21.68, 1SAMP is valued on the expensive side.
Based on the Price/Earnings ratio, 1SAMP is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.92. 1SAMP is around the same levels.
With a Price/Forward Earnings ratio of 15.83, 1SAMP is valued correctly.
Based on the Price/Forward Earnings ratio, 1SAMP is valued expensively inside the industry as 80.00% of the companies are valued cheaper.
1SAMP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 21.68
Fwd PE 15.83
1SAMP.MI Price Earnings VS Forward Price Earnings1SAMP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1SAMP is on the same level as its industry peers.
1SAMP's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.79
EV/EBITDA 14.64
1SAMP.MI Per share data1SAMP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of 1SAMP may justify a higher PE ratio.
PEG (NY)1.21
PEG (5Y)N/A
EPS Next 2Y13.06%
EPS Next 3Y11.44%

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5. Dividend

5.1 Amount

1SAMP has a Yearly Dividend Yield of 3.76%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.52, 1SAMP is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.43, 1SAMP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.76%

5.2 History

The dividend of 1SAMP decreases each year by -34.40%.
Dividend Growth(5Y)-34.4%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

82.39% of the earnings are spent on dividend by 1SAMP. This is not a sustainable payout ratio.
DP82.39%
EPS Next 2Y13.06%
EPS Next 3Y11.44%
1SAMP.MI Yearly Income VS Free CF VS Dividend1SAMP.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B 2.5B
1SAMP.MI Dividend Payout.1SAMP.MI Dividend Payout, showing the Payout Ratio.1SAMP.MI Dividend Payout.PayoutRetained Earnings

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SAMPO OYJ-A SHS

BIT:1SAMP (6/23/2025, 7:00:00 PM)

9.104

-0.62 (-6.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners42.47%
Inst Owner ChangeN/A
Ins Owners0.08%
Ins Owner ChangeN/A
Market Cap24.49B
Analysts76.52
Price Target9.67 (6.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.76%
Yearly Dividend0.35
Dividend Growth(5Y)-34.4%
DP82.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.11%
Min EPS beat(2)4.19%
Max EPS beat(2)22.02%
EPS beat(4)4
Avg EPS beat(4)12.27%
Min EPS beat(4)4.19%
Max EPS beat(4)22.02%
EPS beat(8)7
Avg EPS beat(8)13.13%
EPS beat(12)9
Avg EPS beat(12)6.46%
EPS beat(16)13
Avg EPS beat(16)8.1%
Revenue beat(2)0
Avg Revenue beat(2)-15.03%
Min Revenue beat(2)-26.96%
Max Revenue beat(2)-3.11%
Revenue beat(4)2
Avg Revenue beat(4)2.39%
Min Revenue beat(4)-26.96%
Max Revenue beat(4)21.2%
Revenue beat(8)6
Avg Revenue beat(8)8.37%
Revenue beat(12)9
Avg Revenue beat(12)24.72%
Revenue beat(16)13
Avg Revenue beat(16)47.12%
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 21.68
Fwd PE 15.83
P/S 2.46
P/FCF 12.79
P/OCF 11.88
P/B 3.27
P/tB 6.36
EV/EBITDA 14.64
EPS(TTM)0.42
EY4.61%
EPS(NY)0.58
Fwd EY6.32%
FCF(TTM)0.71
FCFY7.82%
OCF(TTM)0.77
OCFY8.42%
SpS3.7
BVpS2.78
TBVpS1.43
PEG (NY)1.21
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.22%
ROE 14.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 15.51%
PM (TTM) 11.01%
GM N/A
FCFM 19.24%
ROA(3y)5.18%
ROA(5y)3.96%
ROE(3y)18.82%
ROE(5y)15.37%
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)6.18%
ROCE(5y)4.99%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y1.14%
OM growth 5Y9.47%
PM growth 3Y-14.97%
PM growth 5Y2.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.38
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.36
Debt/EBITDA 1.51
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 18.6
Cash Conversion 119.34%
Profit Quality 174.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)59.19%
Profit Quality(5y)367.45%
High Growth Momentum
Growth
EPS 1Y (TTM)-23.47%
EPS 3Y-21.38%
EPS 5Y-0.09%
EPS Q2Q%-19.12%
EPS Next Y17.89%
EPS Next 2Y13.06%
EPS Next 3Y11.44%
EPS Next 5Y9.31%
Revenue 1Y (TTM)5.62%
Revenue growth 3Y-9.9%
Revenue growth 5Y-2.05%
Sales Q2Q%-0.64%
Revenue Next Year12.04%
Revenue Next 2Y8.56%
Revenue Next 3Y6.29%
Revenue Next 5Y7.55%
EBIT growth 1Y-5.22%
EBIT growth 3Y-8.88%
EBIT growth 5Y7.23%
EBIT Next Year14.05%
EBIT Next 3Y7.59%
EBIT Next 5Y9.13%
FCF growth 1Y626.1%
FCF growth 3Y0%
FCF growth 5Y-4.17%
OCF growth 1Y612.69%
OCF growth 3Y3.84%
OCF growth 5Y-2.81%