Rankings Financial data & insurance broking Sampo
Sampo
79
15070100
A view of the same findings, not a new score. How it works
A strong score: the model found few serious problems, but analysts see limited upside from here.
Biggest deductions
- Multiples vs own history−3
- Quality of growth−2
- Ownership and share price risk−2
Strengths
- Raised guidance+2
- Dividend and buybacks+2
- Synergies ahead of plan+1
How the score is built
From 100 to 79, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 3 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 9.55 EUR
- Median analyst target
- 10.75 EUR
- Upside to median
- +12.5%
- Analysts
- 16
- Target range
- 9.30 – 11.50 EUR
- 52-week change
- −2%
- P/E (trailing)
- 14.9
- Forward P/E
- 17.2
- PEG
- 5.25
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 2 findings−3 of −30
- −2Quality of growthPrivate UK (Hastings) is the weak link: combined ratio 89.6% in Q2, the risk ratio rose 3.8 pp, and falling average premiums in UK motor insurance pulled the underwriting result down 2% despite more policies.
- −1Capital allocationTopdanmark was bought with shares at a high price (27% premium, about DKK 33bn), and the share count has grown. The synergies are coming through, but the deal diluted shareholders and lifted P/TBV to about 6.
Price
Today's multiples against the company's own history and its peers. · 2 findings−4 of −35
- −3Multiples vs own historyP/B 3.2 vs 1.8–3.4 in 2021–2025 (near the top) and P/TBV 6.0. Forward P/E of 15.0 on operating EPS is above the trailing P/E of 13.8 because the investment return will not repeat.
- −1PeersForward P/E of about 15 is below Nordic peers such as Tryg and Gjensidige, but analysts expect only 8–13% EPS growth; no clear discount.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 4 findings−7 of −35
- −2Ownership and share price riskThe Finnish state's Solidium sold 70m A shares at EUR 9.00 on 23 Sep (from 6.2% to 3.6%); the rest can be sold after a 90-day lock-up. The share is at its 52-week low, RSI 25.
- −2Macro and large lossesThe major fire in Drammen (over 100 homes, about EUR 15m) was built into guidance; Nordic weather and large losses can move the combined ratio quickly.
- −2Investment returnsThe equity portfolio returned −12.3% in Q1 and +7.2% in Q2; net investment income fell from EUR 1,285m (2025) to 996m (TTM), so earnings swing with the markets.
- −1DebtFinancial leverage rose from 23.7% to 25.9% in Q2 (target below 30%); solvency of 174% is in the middle of the target range.
Plus
Only documented strengths. · 3 findings+5 of +15
- +2Raised guidance2026 outlook raised in August: insurance revenue EUR 9.70–9.85bn and underwriting result 1,550–1,625m; H1 combined ratio 83.6%.
- +2Dividend and buybacksPays out about 90% of operating profit through dividends and ongoing buybacks (weekly purchases also in weeks 38–39); dividend yield 4.1%.
- +1Synergies ahead of planTopdanmark synergies at a run-rate of EUR 73m after H1 = about 70% of the 2026 target and 50% of the 2028 target.
Caveats
What the score does not capture, or where the data is weak.
Property & casualty insurance: results swing with large claims, weather and investment returns; the Solidium sale (70m shares) creates short-term price pressure
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