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SAMPOSampo Oyj

📅 2026-04-03🇫🇮 OMXHfinancials
9.25 EUR
52 viikon vaihteluväli
7.92 €
10.39 €

AI-konsensus

Mallin arvio
8.39 €
Sis. 30 % analyytikkoankkurointi
Ero
-9.3%
Yksimielisyys
0.825/5 mallia
Hajonta
σ 0.07
Analyytikkokonsensus
10.54 €(14 analyytikkoa)
AI-yhteenveto
4 viidestä AI-mallia on negatiivisia SAMPO. Huomioitavaa: Valuation discount and earnings risks highlighted in recent news headlines ma... AI-konsensusarvio 8.39 9.3% alle nykyhinnan. Mallien yksimielisyys on korkea (0.82). Analyytikkokonsensus: 10.54 (AI -20.4%).
gptclaudegeminideepseekgrokSAMPOSampo Oyj9.3spot10.5analysts7.247.978.709.4310.210.9
Pessimistinen (min)
6.32 €
-31.7%
Perus (mediaani)
8.39 €
-9.3%
Optimistinen (max)
8.85 €
-4.3%

Arvion kehitys AI-mallien arviot ja osakkeen hinta ajan yli

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Mikä muuttui tänään

Konsensusarvio:8.39→8.39(+0.0%)
CAGR
+4.0pp(2 ↑)
ROE
+1.0pp(1 ↑)
WACC
+1.0pp(1 ↑)
no-changeassumptions-stableconfidence-unchanged
Mallien erittely
GROK
Est.
9.36
Ero
+1.1%
Conf
0.75
DCF 8.85 → Kal. 9.36
Avaintekijät
  • Strong historical revenue growth (10.3% CAGR 2022-2025) supports a moderated …
  • Geographic diversification across Nordic and UK markets offers resilience and…
  • EBIT margin target of 24% reflects slight improvement over trailing 23% due t…
Suurin riski
  • Regulatory changes in multiple operating regions could impact profitability.
  • Economic slowdown in key markets like Finland and the UK may reduce insurance demand.
  • Competitive pressure in non-life insurance could compress margins.
Muutos
Assumptions remain consistent with yesterday's model, with no significant changes in outlook or data inputs.
Ei muutosta
no changestable outlook
GPT
Est.
8.95
Ero
-3.3%
Conf
0.80
DCF 8.27 → Kal. 8.95
Avaintekijät
  • Expansion of non-life insurance products
  • Investment in digital solutions
  • Sustained demand in Nordic regions
Suurin riski
  • Economic downturn affecting premiums
  • Regulatory changes in insurance sector
  • Competition from new entrants
Muutos
No significant changes have been made to the assumptions since the previous analysis.
Ei edellistä dataa
stabilityno update
GEMINI
Est.
8.39
Ero
-9.3%
Conf
0.85
DCF 7.47 → Kal. 8.39
Avaintekijät
  • Strong historical revenue growth (10.3% CAGR 2022-2025) and robust analyst 1-…
  • Strategic advancements highlighted in Q4 2025 earnings call indicate potentia…
  • Low beta (0.267) suggests a lower risk profile compared to the broader market…
Suurin riski
  • Valuation discount and earnings risks highlighted in recent news headlines may persist.
  • Mixed longer-term returns and share price performance indicate potential volatility and…
  • Potential for moderation in current high growth rates as the company matures or faces i…
Muutos
The 5-year revenue CAGR has been adjusted upwards to better reflect the strong analyst 1-year growth estimates and re…
CAGR
+4.0pp
growth outlook adjusted
CLAUDE
Est.
8.03
Ero
-13.2%
Conf
0.73
DCF 6.96 → Kal. 8.03
Avaintekijät
  • Historical revenue CAGR of 10.3% (2022–2025: EUR 7.7B to EUR 10.3B) provides …
  • Analyst consensus projects ~21% revenue growth in the next 12 months, support…
  • Trailing EBIT margin of 23.0% and EBITDA margin of 25.0% are consistent with …
Suurin riski
  • Elevated 1Y EPS growth estimate (220%) reflects a low base or one-off items; normalizat…
  • Combined ratio sensitivity: catastrophe events, climate-related claims, or adverse rese…
  • UK motor insurance market (Hastings) faces competitive pricing pressure and regulatory …
Muutos
Assumptions are unchanged from yesterday's model run. All four core assumptions (WACC 10%, revenue CAGR 5Y 6.5%, EBIT…
Ei muutosta
no-changeassumptions-stableconfidence-unchanged
DEEPSEEK⚖
Est.
7.59
Ero
-18.0%
Conf
0.75
DCF 6.32 → Kal. 7.59
Avaintekijät
  • Historical revenue CAGR of 10.3% (2022-2025) provides strong baseline, though…
  • Trailing EBIT margin of 23.0% indicates strong profitability, with target mai…
  • Very low beta (0.27) suggests lower systematic risk relative to market, but W…
Suurin riski
  • Insurance sector faces cyclical underwriting risks and potential for large claims impac…
  • Geographic diversification across multiple European markets exposes company to regional…
  • Analyst commentary highlights 'valuation discount and earnings risks' and potential exe…
Muutos
Minor adjustments to assumptions based on updated data review, maintaining conservative stance while incorporating st…
CAGR
+0.5pp
ROE
+1.0pp
WACC
+1.0pp
data-updatecalibration-refinementwacc-adjustment

Arvostusoletukset

CLAUDEDEEPSEEKGEMINIGPTGROK
Liikevaihdon CAGR 5V6.5%5.5%
+0.5pp
17.0%
+4.0pp
8.0%8.0%
ROE-tavoite20.0%18.0%19.0%24.7%25.0%
WACC10.0%11.5%
+1.0pp
9.5%11.0%10.5%
Terminaalikasvu2.0%2.0%2.0%2.0%2.0%

Tunnusluvut

EBIT-marginaali23.0%
EBITDA-marginaali25.0%
ROE24.7%
Nettovelka / EBITDA-5.5x
P/E12.3x
EV / EBITDA3.5x
P/B3.0x
Analyytikkojen vaihteluväli– – –

Viimeisimmät uutiset

Assessing Sampo (HLSE:SAMPO) Valuation After Recent Share Price Stability And Mixed Longer Term Returns2026-03-26
Insider Buying At Sampo Oyj Highlights Valuation Discount And Earnings Risks2026-02-14
Assessing Sampo (HLSE:SAMPO) Valuation After Recent Mixed Share Price Performance2026-02-14
Is It Time To Reassess Sampo Oyj (HLSE:SAMPO) After Recent Share Price Pullback?2026-02-08
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AI Investor Barometer · 2026-04-03
Kaikki sisältö on tekoälymallien tuottamaa ja voi sisältää virheitä. Tämä on kokeellinen työkalu — ei sijoitusneuvontaa, -tutkimusta eikä -suositusta. Käyttöehdot · Tietosuoja