Trailing EBIT margin is 23.0%, so a modestly higher steady-state target assum…
Historical revenue CAGR of 10.3% from 2022 to 2025 is strong, but a 4.5% forw…
Very low beta of 0.266 supports a lower-end equity discount rate, while 9.0% …
Suurin riski
Claims inflation or adverse reserve development could pressure underwriting profitability.
Growth may normalize from the strong 2022-2025 revenue expansion.
Investment returns and capital allocation can materially affect insurer earnings.
Muutos
Assumptions are unchanged versus yesterday. The model remains anchored to strong historical profitability, solid bala…
Arvostusoletukset
CLAUDE
DEEPSEEK
GEMINI
GPT
GROK
Liikevaihdon CAGR 5V
6.0%
3.5%
5.5%
4.5%
6.0%
ROE-tavoite
18.0%
18.0%
19.0%
18.0%
18.0%
WACC
10.0%
10.5%
11.0%
9.0%
11.5%
Terminaalikasvu
2.0%
2.0%
2.0%
2.0%
2.0%
Tunnusluvut
EBIT-marginaali23.0%
EBITDA-marginaali22.3%
ROE21.1%
Nettovelka / EBITDA-6.4x
P/E13.9x
EV / EBITDA3.3x
P/B3.2x
Analyytikkojen vaihteluväli9.30 – 11.50
Sampo Oyj, together with its subsidiaries, provides non-life insurance products and services in Finland, Sweden, Norway, Denmark, Estonia, Lithuania, Latvia, Spain, Gibraltar, Germany, the Netherlands, France, and the United Kingdom. The company operates through Private Nordic, Private UK, Nordic Commercial, and Nordic Industrial segments. It offers property, casualty, liability, accident, sickness, household, homeowner, motor, travel, marine, aviation, transport, forest, livestock, health, workers compensation, car, van, and bike insurance, as well as reinsurance products under the If, Topdanmark, and Hastings brand names. Sampo Oyj was founded in 1909 and is based in Helsinki, Finland.
Tilaa sähköpostiuutisetIlmainen · Ei roskapostia · Peruuta milloin vain · Tietosuoja
AI Investor Barometer · 2026-10-16
Kaikki sisältö on tekoälymallien tuottamaa ja voi sisältää virheitä. Tämä on kokeellinen työkalu — ei sijoitusneuvontaa, -tutkimusta eikä -suositusta. Tietoa · Metodologia · Käyttöehdot · Tietosuoja
5 viidestä AI-mallia on negatiivisia SAMPO.
Huomioitavaa: Persistent claims inflation in motor repairs and property replacement costs
AI-konsensusarvio 6.82 24.2% alle nykyhinnan.
Mallien yksimielisyys on korkea (0.81).
Analyytikkokonsensus: 10.53 (AI -35.2%).
Pessimistinen (min)
6.22 €
-30.9%
Perus (mediaani)
6.82 €
-24.2%
Optimistinen (max)
7.77 €
-13.7%
Bear/Base/Bull: mallien oma haarukka (12 kk:n arvot)