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

FRA:SMP0 • FI4000552500

9.1 EUR
-0.28 (-2.96%)
Last: Mar 3, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This SMP0.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

SMP0 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. SMP0 has only an average score on both its financial health and profitability. SMP0 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. SMP0.DE Profitability Analysis

1.1 Basic Checks

  • In the past year SMP0 was profitable.
  • In the past year SMP0 had a positive cash flow from operations.
  • In the past 5 years SMP0 has always been profitable.
  • In the past 5 years SMP0 always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 7.76%, SMP0 belongs to the top of the industry, outperforming 95.65% of the companies in the same industry.
  • SMP0's Return On Equity of 24.68% is amongst the best of the industry. SMP0 outperforms 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.
  • SMP0's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 22.52%, SMP0 belongs to the top of the industry, outperforming 86.96% of the companies in the same industry.
  • 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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4

2. SMP0.DE Health Analysis

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.
  • The number of shares outstanding for SMP0 has been reduced compared to 5 years ago.
  • 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.
  • SMP0 has a Debt to FCF ratio of 1.71. This is in the better half of the industry: SMP0 outperforms 65.22% of its industry peers.
  • A Debt/Equity ratio of 0.34 indicates that SMP0 is not too dependend on debt financing.
  • The Debt to Equity ratio of SMP0 (0.34) is better than 78.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.71
Altman-Z N/A
ROIC/WACCN/A
WACC7.31%
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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5

3. SMP0.DE Growth Analysis

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.
  • SMP0 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.48%.
  • SMP0 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.19% yearly.
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

  • The Earnings Per Share is expected to grow by 0.71% on average over the next years.
  • Based on estimates for the next years, SMP0 will show a small growth in Revenue. The Revenue will grow by 7.49% on average per year.
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

  • 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.
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. SMP0.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.13 indicates a correct valuation of SMP0.
  • Based on the Price/Earnings ratio, SMP0 is valued a bit cheaper than 60.87% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.83, SMP0 is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 15.91, the valuation of SMP0 can be described as correct.
  • 78.26% of the companies in the same industry are cheaper than SMP0, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. SMP0 is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.13
Fwd PE 15.91
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

  • SMP0's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SMP0 is cheaper than 71.74% of the companies in the same industry.
  • SMP0's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 15.16
EV/EBITDA 9.26
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

  • The decent profitability rating of SMP0 may justify a higher PE ratio.
  • SMP0's earnings are expected to decrease with -3.41% in the coming years. This may justify a cheaper valuation.
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

3

5. SMP0.DE Dividend Analysis

5.1 Amount

  • SMP0 has a Yearly Dividend Yield of 3.91%.
  • SMP0's Dividend Yield is slightly below the industry average, which is at 4.03.
  • SMP0's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.91%

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

  • SMP0 pays out 45.82% of its income as dividend. 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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SMP0.DE Fundamentals: All Metrics, Ratios and Statistics

SAMPO OYJ-A SHS

FRA:SMP0 (3/3/2026, 7:00:00 PM)

9.1

-0.28 (-2.96%)

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 Cap24.16B
Revenue(TTM)11.33B
Net Income(TTM)2.00B
Analysts72.5
Price Target10.47 (15.05%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.91%
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)-0.28%
PT rev (3m)0.73%
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)-0.5%
Revenue NY rev (1m)-2.51%
Revenue NY rev (3m)-4.59%
Valuation
Industry RankSector Rank
PE 12.13
Fwd PE 15.91
P/S 2.13
P/FCF 15.16
P/OCF 13.73
P/B 2.99
P/tB 5.25
EV/EBITDA 9.26
EPS(TTM)0.75
EY8.24%
EPS(NY)0.57
Fwd EY6.29%
FCF(TTM)0.6
FCFY6.6%
OCF(TTM)0.66
OCFY7.28%
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
WACC7.31%
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 Year5.51%
EBIT Next 3Y5.71%
EBIT Next 5Y4.41%
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 4 / 10.


Is the dividend of SAMPO OYJ-A SHS sustainable?

The dividend rating of SAMPO OYJ-A SHS (SMP0.DE) is 3 / 10 and the dividend payout ratio is 45.82%.