SAMPO OYJ-A SHS (SMP0.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SMP0 - FI4000552500 - Common Stock
10.285 EUR
+0.07 (+0.73%)
SMP0 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. While SMP0 is still in line with the averages on profitability rating, there are concerns on its financial health. SMP0 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SMP0 was profitable.
SMP0 had a positive operating cash flow in the past year.
In the past 5 years SMP0 has always been profitable.
In the past 5 years SMP0 always reported a positive cash flow from operatings.
1.2 Ratios
SMP0's Return On Assets of 6.42% is amongst the best of the industry. SMP0 outperforms 93.33% of its industry peers.
SMP0 has a Return On Equity of 21.38%. This is amongst the best in the industry. SMP0 outperforms 84.44% of its industry peers.
| 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
SMP0 has a better Profit Margin (15.38%) than 84.44% of its industry peers.
In the last couple of years the Profit Margin of SMP0 has grown nicely.
Looking at the Operating Margin, with a value of 19.40%, SMP0 is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
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.
Compared to 1 year ago, SMP0 has more shares outstanding
Compared to 5 years ago, SMP0 has less shares outstanding
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.
With a decent Debt to FCF ratio value of 1.60, SMP0 is doing good in the industry, outperforming 64.44% of the companies in the same industry.
SMP0 has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
SMP0 has a Debt to Equity ratio of 0.34. This is in the better half of the industry: SMP0 outperforms 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.14%
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.
SMP0 shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.09% yearly.
Looking at the last year, SMP0 shows a quite strong growth in Revenue. The Revenue has grown by 8.22% in the last year.
SMP0 shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.05% yearly.
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
The Earnings Per Share is expected to grow by 9.78% on average over the next years. This is quite good.
SMP0 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.82% yearly.
EPS Next Y44.68%
EPS Next 2Y12.03%
EPS Next 3Y11.2%
EPS Next 5Y9.78%
Revenue Next Year15.5%
Revenue Next 2Y11.25%
Revenue Next 3Y9.48%
Revenue Next 5Y9.82%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.86, SMP0 is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of SMP0 indicates a slightly more expensive valuation: SMP0 is more expensive than 66.67% of the companies listed in the same industry.
SMP0's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 18.21 indicates a rather expensive valuation of SMP0.
Based on the Price/Forward Earnings ratio, SMP0 is valued more expensive than 84.44% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, SMP0 is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.86 | ||
| Fwd PE | 18.21 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SMP0 is valued a bit cheaper than the industry average as 64.44% of the companies are valued more expensively.
SMP0's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.8 | ||
| EV/EBITDA | 12.26 |
4.3 Compensation for Growth
SMP0's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SMP0 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y12.03%
EPS Next 3Y11.2%
5. Dividend
5.1 Amount
SMP0 has a Yearly Dividend Yield of 3.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.90, SMP0 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.00, SMP0 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
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 2Y12.03%
EPS Next 3Y11.2%
FRA:SMP0 (12/29/2025, 7:00:00 PM)
10.285
+0.07 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners49.73%
Inst Owner ChangeN/A
Ins Owners0.08%
Ins Owner ChangeN/A
Market Cap27.46B
Revenue(TTM)10.66B
Net Income(TTM)1.64B
Analysts73.91
Price Target10.5 (2.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
Yearly Dividend0.35
Dividend Growth(5Y)-34.4%
DP55.79%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)28.81%
Min EPS beat(2)17.49%
Max EPS beat(2)40.13%
EPS beat(4)4
Avg EPS beat(4)20.96%
Min EPS beat(4)4.19%
Max EPS beat(4)40.13%
EPS beat(8)8
Avg EPS beat(8)16.75%
EPS beat(12)9
Avg EPS beat(12)9.91%
EPS beat(16)13
Avg EPS beat(16)10.67%
Revenue beat(2)0
Avg Revenue beat(2)-3.32%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)-2.21%
Revenue beat(4)1
Avg Revenue beat(4)0.02%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)10.32%
Revenue beat(8)5
Avg Revenue beat(8)8.54%
Revenue beat(12)9
Avg Revenue beat(12)25%
Revenue beat(16)12
Avg Revenue beat(16)34.13%
PT rev (1m)1.01%
PT rev (3m)N/A
EPS NQ rev (1m)-1.68%
EPS NQ rev (3m)N/A
EPS NY rev (1m)11.13%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.72%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.86 | ||
| Fwd PE | 18.21 | ||
| P/S | 2.58 | ||
| P/FCF | 16.8 | ||
| P/OCF | 15.36 | ||
| P/B | 3.58 | ||
| P/tB | 6.6 | ||
| EV/EBITDA | 12.26 |
EPS(TTM)0.61
EY5.93%
EPS(NY)0.56
Fwd EY5.49%
FCF(TTM)0.61
FCFY5.95%
OCF(TTM)0.67
OCFY6.51%
SpS3.99
BVpS2.87
TBVpS1.56
PEG (NY)0.38
PEG (5Y)N/A
Graham Number6.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.42% | ||
| ROE | 21.38% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 19.4% | ||
| PM (TTM) | 15.38% | ||
| GM | N/A | ||
| FCFM | 15.33% |
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%
ROICexgc growth 3YN/A
ROICexgc 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-Score9
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 1.6 | ||
| Debt/EBITDA | 1.14 | ||
| Cap/Depr | 66.38% | ||
| Cap/Sales | 1.44% | ||
| Interest Coverage | 22.73 | ||
| Cash Conversion | 77.74% | ||
| Profit Quality | 99.63% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC7.14%
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)13.33%
EPS 3Y-21.38%
EPS 5Y-0.09%
EPS Q2Q%118.75%
EPS Next Y44.68%
EPS Next 2Y12.03%
EPS Next 3Y11.2%
EPS Next 5Y9.78%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y-9.9%
Revenue growth 5Y-2.05%
Sales Q2Q%-12.03%
Revenue Next Year15.5%
Revenue Next 2Y11.25%
Revenue Next 3Y9.48%
Revenue Next 5Y9.82%
EBIT growth 1Y21.72%
EBIT growth 3Y-8.88%
EBIT growth 5Y7.23%
EBIT Next Year40.85%
EBIT Next 3Y8.1%
EBIT Next 5Y8.05%
FCF growth 1Y-3.48%
FCF growth 3Y0%
FCF growth 5Y-4.17%
OCF growth 1Y10.64%
OCF growth 3Y3.84%
OCF growth 5Y-2.81%
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%.