Sampo Oyj (SAXPY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Sampo Oyj (SAXPY) trades at $21.18. Sampo Oyj is a Finnish financial services company providing a range of insurance products and services across the Nordic and Baltic regions. Market cap: $113.44B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for SAXPY: SAXPY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SAXPY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SAXPY: 1/1 perspectives are bearish.
How is this calculated? →Sampo Oyj (SAXPY) Financial Services Profile
Sampo Oyj is a leading Nordic insurer, providing diverse life and non-life insurance solutions. Operating across Finland, Sweden, Norway, Denmark, and the Baltics, Sampo leverages its established brands and multi-channel distribution to maintain a strong regional presence in a competitive financial services landscape, boasting a solid dividend yield and profitability.
What Is the Investment Thesis for SAXPY?
Sampo Oyj presents a compelling investment case driven by its strong market position in the Nordic insurance sector and its diversified business model. With a market capitalization of $113.44B and a P/E ratio of 14.5, the company demonstrates financial stability and profitability, supported by a profit margin of 16.1% and a gross margin of 73.9%. A dividend yield of 3.56% offers an attractive income stream for investors. Growth catalysts include expansion in digital insurance offerings and strategic acquisitions within the Nordic region. However, potential risks include regulatory changes in the financial services sector and fluctuations in investment income due to market volatility. Sampo's low beta of 0.27 suggests relatively low volatility compared to the overall market.
Based on FMP financials and quantitative analysis
SAXPY Key Highlights
- Market capitalization of $113.44B reflects substantial investor confidence and market valuation.
- P/E ratio of 14.5 indicates a reasonable valuation relative to earnings, suggesting potential for future appreciation.
- Profit margin of 16.1% demonstrates strong profitability and efficient operations within the insurance sector.
- Gross margin of 73.9% highlights effective cost management and pricing strategies.
- Dividend yield of 3.56% provides an attractive income stream for investors, supported by stable earnings.
Who Are SAXPY's Competitors?
SAXPY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AAGIY AIA Group Limited | $37.78 | +1.64% | $97.33B | 63 |
| AAIGF AIA Group Limited | $9.42 | +3.63% | $97.07B | 63 |
| AXAHF AXA S.A. | $50.75 | +0.95% | $104.32B | 56 |
| AXAHY AXA S.A. | $50.64 | +0.99% | $104.09B | 56 |
| BBVXF Banco Bilbao Vizcaya Argentaria, S.A. | $25.40 | +0.30% | $140.82B | 49 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SAXPY's Key Strengths?
- Strong market position in the Nordic region.
- Diversified product portfolio.
- Solid financial performance.
- Experienced management team.
What Are SAXPY's Weaknesses?
- Exposure to regulatory changes in the financial services sector.
- Dependence on investment income.
- Competition from larger global insurers.
- Limited geographic diversification outside the Nordic region.
What Could Drive SAXPY Stock Higher?
- Expansion of digital insurance platforms to enhance customer experience and reach.
- Strategic acquisitions in the Nordic region to consolidate market share.
- Development and launch of sustainable insurance products to attract environmentally conscious customers.
- Potential regulatory changes in the financial services sector that could benefit Sampo Oyj.
- Enhancement of data analytics capabilities to improve risk assessment and pricing.
What Are the Key Risks for SAXPY?
- Economic downturn in the Nordic region could reduce demand for insurance products.
- Increased competition from new entrants and larger global insurers.
- Cybersecurity risks and data breaches could damage the company's reputation and financial performance.
- Climate change and its impact on insurance claims, particularly property and casualty insurance.
- Fluctuations in investment income due to market volatility.
What Are the Growth Opportunities for SAXPY?
- Expansion in Digital Insurance Offerings: Sampo Oyj has the opportunity to further expand its digital insurance offerings, capitalizing on the growing trend of online insurance platforms. By investing in user-friendly digital interfaces and personalized insurance products, Sampo can attract a younger demographic and increase customer retention. The global digital insurance market is projected to reach $400 billion by 2027, offering significant growth potential for Sampo. Timeline: Ongoing.
- Strategic Acquisitions in the Nordic Region: Sampo can pursue strategic acquisitions of smaller insurance companies in the Nordic region to consolidate its market position and expand its customer base. The Nordic insurance market is relatively fragmented, presenting opportunities for Sampo to acquire companies with complementary product offerings or geographic presence. This strategy can lead to synergies and cost savings. Timeline: Ongoing.
- Development of Sustainable Insurance Products: With increasing awareness of environmental and social issues, Sampo can develop sustainable insurance products that cater to environmentally conscious customers. This includes offering insurance for renewable energy projects, electric vehicles, and green buildings. The market for sustainable insurance is growing rapidly, driven by increasing regulatory pressure and consumer demand. Timeline: Ongoing.
- Enhancement of Data Analytics Capabilities: Sampo can enhance its data analytics capabilities to improve risk assessment, pricing, and customer service. By leveraging data analytics, Sampo can identify high-risk customers, personalize insurance products, and detect fraudulent claims. The market for data analytics in the insurance industry is projected to reach $20 billion by 2028, offering significant opportunities for Sampo to improve its operational efficiency and profitability. Timeline: Ongoing.
- Geographic Expansion in the Baltic Countries: Sampo can further expand its presence in the Baltic countries, which offer attractive growth opportunities due to their relatively low insurance penetration rates and growing economies. By investing in marketing and distribution channels in the Baltic region, Sampo can increase its market share and diversify its revenue streams. Timeline: Ongoing.
What Opportunities Does SAXPY Have?
- Expansion in digital insurance offerings.
- Strategic acquisitions in the Nordic region.
- Development of sustainable insurance products.
- Geographic expansion in the Baltic countries.
What Threats Does SAXPY Face?
- Economic downturn in the Nordic region.
- Increased competition from new entrants.
- Cybersecurity risks.
- Climate change and its impact on insurance claims.
What Are SAXPY's Competitive Advantages?
- Strong brand recognition in the Nordic region.
- Extensive distribution network through direct sales, brokers, and partnerships.
- Diversified product portfolio covering life and non-life insurance.
- Significant market share in key Nordic markets.
- Conservative investment strategy and strong capital position.
What Does SAXPY Do?
Sampo Oyj, established in 1909 and headquartered in Helsinki, Finland, has evolved into a prominent player in the Nordic insurance market. Initially focused on property insurance, the company expanded its offerings to include a comprehensive suite of life and non-life insurance products. Sampo operates through its subsidiaries, including If, Topdanmark, Hastings, Mandatum, and Holding, each catering to specific segments and markets. If provides a wide array of property and casualty insurance solutions across the Nordic region and the Baltics. Topdanmark, based in Denmark, offers insurance and pension products. Hastings, operating in the UK, focuses on motor insurance. Mandatum provides wealth management and life insurance services. Sampo's product portfolio encompasses household, homeowner, motor, accident, travel, boat, forest, livestock, property, casualty, liability, car, van, bike, and cargo insurance. Additionally, the company provides life, individual and group pension, home and content, illness, animal, electronics, change of ownership, workers' compensation, rewards, marine, aviation, and transport insurance, alongside wealth and asset management services. Sampo leverages a multi-channel distribution strategy, including direct sales, brokers, and partnerships, to reach a broad customer base. The company's strong brand recognition, extensive product range, and diversified geographic presence contribute to its competitive positioning within the Nordic financial services sector.
What Products and Services Does SAXPY Offer?
- Provides household insurance to cover personal belongings and liabilities.
- Offers homeowner insurance to protect properties against damage and loss.
- Provides motor insurance for cars, vans, and bikes.
- Offers accident and travel insurance for individuals and families.
- Provides life insurance and pension products for long-term financial security.
- Offers wealth management and asset management services to individuals and institutions.
- Provides commercial insurance solutions for businesses, including property, casualty, and liability coverage.
How Does SAXPY Make Money?
- Generates revenue through premiums collected from insurance policies.
- Earns investment income from managing its investment portfolio.
- Provides wealth management services for a fee.
- Distributes products through direct sales, brokers, and partnerships.
What Industry Does SAXPY Operate In?
Sampo Oyj operates within the diversified insurance industry, which is characterized by increasing digitalization, evolving regulatory landscapes, and growing demand for tailored insurance solutions. The Nordic insurance market, where Sampo has a strong presence, is relatively mature and stable, but also competitive. Key trends include the rise of online insurance platforms, the increasing importance of data analytics for risk assessment and pricing, and the growing demand for sustainable and socially responsible insurance products. Sampo competes with other major European insurers such as AAGIY (Aegon NV), AAIGF (Ageas SA/NV), AXAHF (AXA SA), AXAHY (AXA SA), and BBVXF (CNP Assurances SA), as well as smaller regional players. The company's ability to adapt to these trends and maintain its competitive edge will be crucial for its long-term success.
Who Are SAXPY's Key Customers?
- Individuals seeking personal insurance coverage.
- Families looking for comprehensive insurance solutions.
- Businesses requiring commercial insurance protection.
- Pension savers seeking long-term financial security.
- High-net-worth individuals seeking wealth management services.
Sampo Oyj Financial Trajectory
Sampo Oyj (SAXPY) reported $2.50B in revenue for Q1 2026, a decline of 13.8% compared to the prior quarter. The company recorded a net loss of $46.8M, with diluted EPS of $-0.02. Revenue has contracted over three consecutive quarters, which investors in this large-cap Financial Services stock should monitor closely. Across the four most recent quarters, SAXPY averaged $0.23 in diluted EPS.
Company Profile
Sampo Oyj operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Helsinki, FI. The company is led by CEO Morten Thorsrud. SAXPY has traded publicly since 2010.
How Sampo Oyj Is Valued
Sampo Oyj carries a market capitalization of $113.44B, placing it in the large-cap category.
ROE 22%Key Financial Metrics
Return on equity for Sampo Oyj stands at 22.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 6.3%, showing how much profit it generates from its asset base. SAXPY trades at a trailing price-to-earnings ratio of 14.51, below the Financial Services sector average of ~18x. Its free cash flow yield is 3.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.7%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Sampo Oyj's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 4.18 places it in the safe zone, indicating low near-term bankruptcy risk.
7/8 beatsEarnings Track Record
Sampo Oyj has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 22.3% above estimates on average.
FY2026 estForward Outlook
Wall Street analysts project Sampo Oyj revenue of about $13.00B for fiscal 2026, with EPS near $1.30. The estimate reflects 5 contributing analysts.
SAXPY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
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Bear Case
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AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.50B | -$47M | -$0.02 |
| Q4 2025 | $2.90B | $538M | $0.20 |
| Q3 2025 | $3.23B | $755M | $0.56 |
| Q2 2025 | $2.78B | $417M | $0.16 |
Based on FMP financials and quantitative analysis
SAXPY Latest News
No recent news available for SAXPY.
SAXPY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SAXPY.
Price Targets
Wall Street price target analysis for SAXPY.
SAXPY MoonshotScore
What does this score mean?
The MoonshotScore rates SAXPY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Morten Thorsrud
CEO
Morten Thorsrud is the CEO of Sampo Oyj. His career spans over two decades in the financial services industry, with a focus on insurance and asset management. He has held various leadership positions in prominent Nordic financial institutions. Thorsrud holds an MBA from a leading European business school and has completed executive programs at Harvard Business School. His expertise lies in strategic management, business development, and digital transformation.
Track Record: Under Morten Thorsrud's leadership, Sampo Oyj has focused on strengthening its market position in the Nordic region and expanding its digital capabilities. He has overseen several strategic acquisitions and partnerships, contributing to the company's growth and profitability. Thorsrud has also championed sustainability initiatives, aligning Sampo's business practices with environmental and social responsibility. He manages a workforce of over 15,000 employees.
Sampo Oyj ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company that trades on U.S. stock exchanges. SAXPY is an ADR representing shares of Sampo Oyj, a Finnish company. This allows U.S. investors to easily invest in Sampo Oyj without dealing with foreign exchanges or currencies. As a Level 1 ADR, SAXPY trades over-the-counter (OTC) and has less stringent regulatory requirements than listed ADRs.
- Home Market Ticker: Nasdaq Helsinki, Finland
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: SAXP
SAXPY OTC Market Information
SAXPY trades on the OTC Other tier, which represents the lowest tier of the OTC market. Companies on this tier often have limited or no financial disclosure and may not meet minimum listing requirements. This contrasts with exchanges like the NYSE or NASDAQ, which have stringent listing standards, including minimum share price, market capitalization, and financial reporting requirements. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Higher risk of fraud or scams.
- Lack of regulatory oversight.
- Verify the company's registration and legal status.
- Obtain and review any available financial statements.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Check for any regulatory actions or legal proceedings against the company.
- Established history as Sampo Oyj in Finland.
- Presence of an ADR, suggesting some level of compliance.
- Operations in a regulated industry (insurance).
- Availability of some information through Sampo Oyj's investor relations.
Sampo Oyj Financial Services Stock: Key Questions Answered
What does Sampo Oyj do?
Sampo Oyj is a leading Nordic financial services group, primarily focused on providing a wide range of insurance products and services. Through its subsidiaries like If, Topdanmark, and Hastings, the company offers non-life insurance, life insurance, and wealth management solutions. Sampo operates across Finland, Sweden, Norway, Denmark, and the Baltic countries, serving individuals, families, and businesses. The company's business model revolves around generating revenue through insurance premiums, investment income, and fees from wealth management services, leveraging a multi-channel distribution strategy.
What do analysts say about SAXPY stock?
Analyst consensus on SAXPY stock reflects a generally positive outlook, driven by Sampo Oyj's strong market position in the Nordic insurance sector and its diversified business model. Key valuation metrics, such as the P/E ratio of 14.5 and the dividend yield of 3.56%, suggest a reasonable valuation and an attractive income stream for investors. Growth considerations include the company's expansion in digital insurance offerings and strategic acquisitions. However, analysts also note potential risks, such as regulatory changes and market volatility. Analyst ratings and price targets should be viewed as informational and not as investment recommendations.
What are the main risks for SAXPY?
The main risks for Sampo Oyj include regulatory changes in the financial services sector, which could impact the company's profitability and operations. Economic downturns in the Nordic region could reduce demand for insurance products and services. Increased competition from new entrants and larger global insurers could erode Sampo's market share. Cybersecurity risks and data breaches pose a threat to the company's reputation and financial performance. Climate change and its impact on insurance claims, particularly property and casualty insurance, could increase costs. Fluctuations in investment income due to market volatility could also affect the company's earnings.
What are the key factors to evaluate for SAXPY?
Evaluate SAXPY on fundamentals, analyst consensus, and risk factors. P/E: 14.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does SAXPY data refresh on this page?
SAXPY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SAXPY's recent stock price performance?
Sampo Oyj (SAXPY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in the Nordic region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SAXPY overvalued or undervalued right now?
Sampo Oyj (SAXPY) trades at 14.5x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SAXPY?
Before investing in Sampo Oyj (SAXPY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending, further insights may be available upon completion.
- OTC market data may be less reliable than exchange-listed data.