SAMPO OYJ-A SHS (SMP0.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SMP0 - FI4000552500 - Common Stock
9.802 EUR
+0.01 (+0.12%)
Overall SMP0 gets a fundamental rating of 4 out of 10. We evaluated SMP0 against 48 industry peers in the Insurance industry. There are concerns on the financial health of SMP0 while its profitability can be described as average. SMP0 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- SMP0 had positive earnings in the past year.
- In the past year SMP0 had a positive cash flow from operations.
- 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.
1.2 Ratios
- SMP0 has a better Return On Assets (6.42%) than 93.75% of its industry peers.
- Looking at the Return On Equity, with a value of 21.38%, SMP0 is in the better half of the industry, outperforming 79.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.42% | ||
| ROE | 21.38% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 15.38%, SMP0 belongs to the top of the industry, outperforming 85.42% of the companies in the same industry.
- SMP0's Profit Margin has improved in the last couple of years.
- The Operating Margin of SMP0 (19.40%) is better than 81.25% of its industry peers.
- SMP0's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.4% | ||
| PM (TTM) | 15.38% | ||
| 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
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 more shares outstanding than it did 1 year ago.
- The number of shares outstanding for SMP0 has been reduced compared to 5 years ago.
- Compared to 1 year ago, SMP0 has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of SMP0 is 1.60, which is an excellent value as it means it would take SMP0, only 1.60 years of fcf income to pay off all of its debts.
- SMP0 has a better Debt to FCF ratio (1.60) than 64.58% 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 77.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 13.33% over the past year.
- Measured over the past years, SMP0 shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.09% on average per year.
- Looking at the last year, SMP0 shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
- The Revenue has been decreasing by -2.05% on average over the past years.
EPS 1Y (TTM)13.33%
EPS 3Y-21.38%
EPS 5Y-0.09%
EPS Q2Q%118.75%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-9.9%
Revenue growth 5Y-2.05%
Sales Q2Q%-12.03%
3.2 Future
- SMP0 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.46% yearly.
- SMP0 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.50% yearly.
EPS Next Y58.65%
EPS Next 2Y12.75%
EPS Next 3Y11.6%
EPS Next 5Y9.46%
Revenue Next Year15.5%
Revenue Next 2Y11.25%
Revenue Next 3Y9.48%
Revenue Next 5Y9.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 16.07 indicates a correct valuation of SMP0.
- Compared to the rest of the industry, the Price/Earnings ratio of SMP0 indicates a slightly more expensive valuation: SMP0 is more expensive than 64.58% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, SMP0 is valued a bit cheaper.
- A Price/Forward Earnings ratio of 17.14 indicates a rather expensive valuation of SMP0.
- SMP0's Price/Forward Earnings ratio is rather expensive when compared to the industry. SMP0 is more expensive than 83.33% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. SMP0 is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.07 | ||
| Fwd PE | 17.14 |
4.2 Price Multiples
- SMP0's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SMP0 is cheaper than 60.42% of the companies 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 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.02 | ||
| EV/EBITDA | 11.87 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of SMP0 may justify a higher PE ratio.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y12.75%
EPS Next 3Y11.6%
5. Dividend
5.1 Amount
- SMP0 has a Yearly Dividend Yield of 3.47%.
- Compared to an average industry Dividend Yield of 4.17, SMP0 is paying slightly less dividend.
- SMP0's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
5.2 History
- The dividend of SMP0 decreases each year by -34.40%.
Dividend Growth(5Y)-34.4%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- SMP0 pays out 55.79% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP55.79%
EPS Next 2Y12.75%
EPS Next 3Y11.6%
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 4 / 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 3 / 10 and the dividend payout ratio is 55.79%.