SAMPO OYJ-A SHS (SMP0.DE) Stock Fundamental Analysis

FRA:SMP0 • FI4000552500

9.378 EUR
+0.16 (+1.78%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Taking everything into account, SMP0 scores 5 out of 10 in our fundamental rating. SMP0 was compared to 46 industry peers in the Insurance industry. SMP0 has a medium profitability rating, but doesn't score so well on its financial health evaluation. SMP0 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year SMP0 was profitable.
  • SMP0 had a positive operating cash flow in the past year.
  • Each year in the past 5 years SMP0 has been profitable.
  • SMP0 had a positive operating cash flow in each of the past 5 years.
SMP0.DE Yearly Net Income VS EBIT VS OCF VS FCFSMP0.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • SMP0 has a Return On Assets of 7.76%. This is amongst the best in the industry. SMP0 outperforms 97.83% of its industry peers.
  • The Return On Equity of SMP0 (24.68%) is better than 89.13% of its industry peers.
Industry RankSector Rank
ROA 7.76%
ROE 24.68%
ROIC N/A
ROA(3y)5.98%
ROA(5y)5.5%
ROE(3y)19.75%
ROE(5y)20.25%
ROIC(3y)N/A
ROIC(5y)N/A
SMP0.DE Yearly ROA, ROE, ROICSMP0.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With an excellent Profit Margin value of 17.63%, SMP0 belongs to the best of the industry, outperforming 93.48% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SMP0 has grown nicely.
  • SMP0's Operating Margin of 22.52% is amongst the best of the industry. SMP0 outperforms 86.96% of its industry peers.
  • SMP0's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.52%
PM (TTM) 17.63%
GM N/A
OM growth 3Y-0.35%
OM growth 5Y6.93%
PM growth 3Y-8.13%
PM growth 5Y117.3%
GM growth 3YN/A
GM growth 5YN/A
SMP0.DE Yearly Profit, Operating, Gross MarginsSMP0.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • SMP0 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SMP0 has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SMP0 has less shares outstanding
  • SMP0 has a better debt/assets ratio than last year.
SMP0.DE Yearly Shares OutstandingSMP0.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
SMP0.DE Yearly Total Debt VS Total AssetsSMP0.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of SMP0 is 1.71, which is an excellent value as it means it would take SMP0, only 1.71 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 1.71, SMP0 perfoms like the industry average, outperforming 56.52% of the companies in the same industry.
  • A Debt/Equity ratio of 0.34 indicates that SMP0 is not too dependend on debt financing.
  • SMP0 has a better Debt to Equity ratio (0.34) than 71.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.71
Altman-Z N/A
ROIC/WACCN/A
WACC7.32%
SMP0.DE Yearly LT Debt VS Equity VS FCFSMP0.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SMP0.DE Yearly Current Assets VS Current LiabilitesSMP0.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 66.67% over the past year.
  • SMP0 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 121.71% yearly.
  • Looking at the last year, SMP0 shows a quite strong growth in Revenue. The Revenue has grown by 13.48% in the last year.
  • Measured over the past years, SMP0 shows a small growth in Revenue. The Revenue has been growing by 2.19% on average per year.
EPS 1Y (TTM)66.67%
EPS 3Y11.71%
EPS 5Y121.71%
EPS Q2Q%222.58%
Revenue 1Y (TTM)13.48%
Revenue growth 3Y6.93%
Revenue growth 5Y2.19%
Sales Q2Q%-0.81%

3.2 Future

  • Based on estimates for the next years, SMP0 will show a small growth in Earnings Per Share. The EPS will grow by 0.71% on average per year.
  • SMP0 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.49% yearly.
EPS Next Y-23.73%
EPS Next 2Y-8.68%
EPS Next 3Y-3.41%
EPS Next 5Y0.71%
Revenue Next Year4.5%
Revenue Next 2Y6.37%
Revenue Next 3Y5.34%
Revenue Next 5Y7.49%

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 decreasing.
  • 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.
SMP0.DE Yearly Revenue VS EstimatesSMP0.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B
SMP0.DE Yearly EPS VS EstimatesSMP0.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.2 0.4 0.6 0.8 1

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4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.50, SMP0 is valued correctly.
  • Based on the Price/Earnings ratio, SMP0 is valued a bit cheaper than the industry average as 65.22% of the companies are valued more expensively.
  • SMP0's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.10.
  • SMP0 is valuated correctly with a Price/Forward Earnings ratio of 16.39.
  • Based on the Price/Forward Earnings ratio, SMP0 is valued more expensive than 82.61% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, SMP0 is valued a bit cheaper.
Industry RankSector Rank
PE 12.5
Fwd PE 16.39
SMP0.DE Price Earnings VS Forward Price EarningsSMP0.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SMP0 indicates a somewhat cheap valuation: SMP0 is cheaper than 65.22% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SMP0 indicates a slightly more expensive valuation: SMP0 is more expensive than 60.87% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.62
EV/EBITDA 9.37
SMP0.DE Per share dataSMP0.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

  • SMP0 has a very decent profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as SMP0's earnings are expected to decrease with -3.41% in the coming years.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y-8.68%
EPS Next 3Y-3.41%

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

4

5. Dividend

5.1 Amount

  • SMP0 has a Yearly Dividend Yield of 3.93%. Purely for dividend investing, there may be better candidates out there.
  • SMP0's Dividend Yield is comparable with the industry average which is at 4.18.
  • Compared to an average S&P500 Dividend Yield of 1.80, SMP0 pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.93%

5.2 History

  • The dividend of SMP0 decreases each year by -25.60%.
Dividend Growth(5Y)-25.6%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 45.82% of the earnings are spent on dividend by SMP0. This is a bit on the high side, but may be sustainable.
DP45.82%
EPS Next 2Y-8.68%
EPS Next 3Y-3.41%
SMP0.DE Yearly Income VS Free CF VS DividendSMP0.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B 2.5B
SMP0.DE Dividend Payout.SMP0.DE Dividend Payout, showing the Payout Ratio.SMP0.DE Dividend Payout.PayoutRetained Earnings

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SAMPO OYJ-A SHS

FRA:SMP0 (2/27/2026, 7:00:00 PM)

9.378

+0.16 (+1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)05-06
Inst Owners48.35%
Inst Owner ChangeN/A
Ins Owners0.08%
Ins Owner ChangeN/A
Market Cap24.90B
Revenue(TTM)11.33B
Net Income(TTM)2.00B
Analysts72.5
Price Target10.5 (11.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.93%
Yearly Dividend0.34
Dividend Growth(5Y)-25.6%
DP45.82%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.46%
Min EPS beat(2)6.8%
Max EPS beat(2)40.13%
EPS beat(4)4
Avg EPS beat(4)17.15%
Min EPS beat(4)4.19%
Max EPS beat(4)40.13%
EPS beat(8)8
Avg EPS beat(8)16.13%
EPS beat(12)10
Avg EPS beat(12)13.27%
EPS beat(16)13
Avg EPS beat(16)10.32%
Revenue beat(2)0
Avg Revenue beat(2)-2.93%
Min Revenue beat(2)-3.65%
Max Revenue beat(2)-2.21%
Revenue beat(4)0
Avg Revenue beat(4)-3.48%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-2.21%
Revenue beat(8)4
Avg Revenue beat(8)7.1%
Revenue beat(12)8
Avg Revenue beat(12)13.37%
Revenue beat(16)11
Avg Revenue beat(16)20.33%
PT rev (1m)0%
PT rev (3m)1.01%
EPS NQ rev (1m)8.33%
EPS NQ rev (3m)11.43%
EPS NY rev (1m)0%
EPS NY rev (3m)3.13%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)-2.51%
Revenue NY rev (3m)-4.59%
Valuation
Industry RankSector Rank
PE 12.5
Fwd PE 16.39
P/S 2.2
P/FCF 15.62
P/OCF 14.15
P/B 3.08
P/tB 5.41
EV/EBITDA 9.37
EPS(TTM)0.75
EY8%
EPS(NY)0.57
Fwd EY6.1%
FCF(TTM)0.6
FCFY6.4%
OCF(TTM)0.66
OCFY7.07%
SpS4.27
BVpS3.05
TBVpS1.73
PEG (NY)N/A
PEG (5Y)0.1
Graham Number7.17
Profitability
Industry RankSector Rank
ROA 7.76%
ROE 24.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 22.52%
PM (TTM) 17.63%
GM N/A
FCFM 14.07%
ROA(3y)5.98%
ROA(5y)5.5%
ROE(3y)19.75%
ROE(5y)20.25%
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 3Y-0.35%
OM growth 5Y6.93%
PM growth 3Y-8.13%
PM growth 5Y117.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.71
Debt/EBITDA 0.99
Cap/Depr 78.2%
Cap/Sales 1.46%
Interest Coverage 28.66
Cash Conversion 63.69%
Profit Quality 79.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.32%
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)85.26%
Profit Quality(5y)60.7%
High Growth Momentum
Growth
EPS 1Y (TTM)66.67%
EPS 3Y11.71%
EPS 5Y121.71%
EPS Q2Q%222.58%
EPS Next Y-23.73%
EPS Next 2Y-8.68%
EPS Next 3Y-3.41%
EPS Next 5Y0.71%
Revenue 1Y (TTM)13.48%
Revenue growth 3Y6.93%
Revenue growth 5Y2.19%
Sales Q2Q%-0.81%
Revenue Next Year4.5%
Revenue Next 2Y6.37%
Revenue Next 3Y5.34%
Revenue Next 5Y7.49%
EBIT growth 1Y58.15%
EBIT growth 3Y6.56%
EBIT growth 5Y9.27%
EBIT Next Year0.98%
EBIT Next 3Y5.86%
EBIT Next 5Y4.75%
FCF growth 1Y34.51%
FCF growth 3Y264.19%
FCF growth 5Y21.7%
OCF growth 1Y32.55%
OCF growth 3Y276.34%
OCF growth 5Y18.37%

SAMPO OYJ-A SHS / SMP0.DE FAQ

What is the ChartMill fundamental rating of SAMPO OYJ-A SHS (SMP0.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SMP0.DE.


Can you provide the valuation status for SAMPO OYJ-A SHS?

ChartMill assigns a valuation rating of 4 / 10 to SAMPO OYJ-A SHS (SMP0.DE). This can be considered as Fairly Valued.


How profitable is SAMPO OYJ-A SHS (SMP0.DE) stock?

SAMPO OYJ-A SHS (SMP0.DE) has a profitability rating of 6 / 10.


What is the financial health of SAMPO OYJ-A SHS (SMP0.DE) stock?

The financial health rating of SAMPO OYJ-A SHS (SMP0.DE) is 3 / 10.


Is the dividend of SAMPO OYJ-A SHS sustainable?

The dividend rating of SAMPO OYJ-A SHS (SMP0.DE) is 4 / 10 and the dividend payout ratio is 45.82%.