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Also traded in: Finland, Germany, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry
vs
history
Cash to Debt No Debt
SAXPY's Cash to Debt is ranked higher than
93% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.09 vs. SAXPY: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SAXPY' s Cash to Debt Range Over the Past 10 Years
Min: 0.23  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.32
SAXPY's Equity to Asset is ranked higher than
57% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. SAXPY: 0.32 )
Ranked among companies with meaningful Equity to Asset only.
SAXPY' s Equity to Asset Range Over the Past 10 Years
Min: 0.28  Med: 0.31 Max: 0.33
Current: 0.32
0.28
0.33
Interest Coverage No Debt
SAXPY's Interest Coverage is ranked higher than
94% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.82 vs. SAXPY: No Debt )
Ranked among companies with meaningful Interest Coverage only.
SAXPY' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 14.53 Max: 9999.99
Current: No Debt
0.2
9999.99
F-Score: 3
WACC vs ROIC
6.57%
16.70%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 32.08
SAXPY's Operating margin (%) is ranked higher than
92% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. SAXPY: 32.08 )
Ranked among companies with meaningful Operating margin (%) only.
SAXPY' s Operating margin (%) Range Over the Past 10 Years
Min: 0.35  Med: 16.20 Max: 28.77
Current: 32.08
0.35
28.77
Net-margin (%) 27.91
SAXPY's Net-margin (%) is ranked higher than
92% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.85 vs. SAXPY: 27.91 )
Ranked among companies with meaningful Net-margin (%) only.
SAXPY' s Net-margin (%) Range Over the Past 10 Years
Min: 11.38  Med: 20.65 Max: 65.78
Current: 27.91
11.38
65.78
ROE (%) 14.01
SAXPY's ROE (%) is ranked higher than
75% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.19 vs. SAXPY: 14.01 )
Ranked among companies with meaningful ROE (%) only.
SAXPY' s ROE (%) Range Over the Past 10 Years
Min: 10.47  Med: 14.17 Max: 55.38
Current: 14.01
10.47
55.38
ROA (%) 4.40
SAXPY's ROA (%) is ranked higher than
80% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.34 vs. SAXPY: 4.40 )
Ranked among companies with meaningful ROA (%) only.
SAXPY' s ROA (%) Range Over the Past 10 Years
Min: 2.16  Med: 4.20 Max: 9.78
Current: 4.4
2.16
9.78
Revenue Growth (3Y)(%) 0.80
SAXPY's Revenue Growth (3Y)(%) is ranked lower than
76% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.40 vs. SAXPY: 0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SAXPY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.40 Max: 51.5
Current: 0.8
0
51.5
EBITDA Growth (3Y)(%) 6.30
SAXPY's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. SAXPY: 6.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SAXPY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.50 Max: 31.4
Current: 6.3
0
31.4
EPS Growth (3Y)(%) 5.70
SAXPY's EPS Growth (3Y)(%) is ranked lower than
62% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. SAXPY: 5.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SAXPY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -79.5  Med: 14.20 Max: 483.3
Current: 5.7
-79.5
483.3
» SAXPY's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-12)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NYSE:CB, NYSE:TRV, HKSE:02328, TSE:8766, NYSE:ALL » details
Traded in other countries:SAMAS.Finland, SMPA.Germany, 0HAG.UK,
Sampo Oyj, through its subsidiaries provides insurance products and services. The Company's business segments are P&C insurance, life insurance and holding business.

Sampo Oyj through its subsidiaries provides insurance products and services. The Company's business segments are P&C insurance, life insurance and holding business. The P&C insurance offers insurance solutions that provides customers with security and stability in their daily lives and business operations. Mandatum life covers against life and health risks in Finland and Baltic. Mandatum services include tailored unit-linked insurance and wealth management, personal risk insurance for private customers, pension and reward services for companies and related consultation services.

Ratios

vs
industry
vs
history
P/E(ttm) 14.26
SAXPY's P/E(ttm) is ranked higher than
50% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.42 vs. SAXPY: 14.26 )
Ranked among companies with meaningful P/E(ttm) only.
SAXPY' s P/E(ttm) Range Over the Past 10 Years
Min: 6.36  Med: 12.31 Max: 16.94
Current: 14.26
6.36
16.94
Forward P/E 13.93
SAXPY's Forward P/E is ranked lower than
61% of the 46 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. SAXPY: 13.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.26
SAXPY's PE(NRI) is ranked higher than
50% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.42 vs. SAXPY: 14.26 )
Ranked among companies with meaningful PE(NRI) only.
SAXPY' s PE(NRI) Range Over the Past 10 Years
Min: 6.32  Med: 12.31 Max: 16.97
Current: 14.26
6.32
16.97
P/B 1.94
SAXPY's P/B is ranked lower than
82% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. SAXPY: 1.94 )
Ranked among companies with meaningful P/B only.
SAXPY' s P/B Range Over the Past 10 Years
Min: 1.09  Med: 1.56 Max: 2.41
Current: 1.94
1.09
2.41
P/S 4.00
SAXPY's P/S is ranked lower than
92% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. SAXPY: 4.00 )
Ranked among companies with meaningful P/S only.
SAXPY' s P/S Range Over the Past 10 Years
Min: 1.52  Med: 2.58 Max: 5
Current: 4
1.52
5
POCF 245.75
SAXPY's POCF is ranked lower than
100% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. SAXPY: 245.75 )
Ranked among companies with meaningful POCF only.
SAXPY' s POCF Range Over the Past 10 Years
Min: 5.34  Med: 20.01 Max: 262.13
Current: 245.75
5.34
262.13
EV-to-EBIT 10.58
SAXPY's EV-to-EBIT is ranked lower than
61% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.35 vs. SAXPY: 10.58 )
Ranked among companies with meaningful EV-to-EBIT only.
SAXPY' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.2  Med: 10.95 Max: 2724.1
Current: 10.58
4.2
2724.1
EV-to-EBITDA 10.58
SAXPY's EV-to-EBITDA is ranked lower than
65% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.64 vs. SAXPY: 10.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAXPY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.2  Med: 10.95 Max: 2724.1
Current: 10.58
4.2
2724.1
PEG 2.04
SAXPY's PEG is ranked lower than
75% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. SAXPY: 2.04 )
Ranked among companies with meaningful PEG only.
SAXPY' s PEG Range Over the Past 10 Years
Min: 0.21  Med: 1.76 Max: 6.09
Current: 2.04
0.21
6.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.51
SAXPY's Dividend Yield is ranked higher than
80% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.23 vs. SAXPY: 5.51 )
Ranked among companies with meaningful Dividend Yield only.
SAXPY' s Dividend Yield Range Over the Past 10 Years
Min: 3.35  Med: 4.60 Max: 15.63
Current: 5.51
3.35
15.63
Dividend Payout 0.68
SAXPY's Dividend Payout is ranked lower than
77% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. SAXPY: 0.68 )
Ranked among companies with meaningful Dividend Payout only.
SAXPY' s Dividend Payout Range Over the Past 10 Years
Min: 1.01  Med: 2.07 Max: 2.38
Current: 0.68
1.01
2.38
Dividend Growth (3y) 17.60
SAXPY's Dividend Growth (3y) is ranked higher than
66% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. SAXPY: 17.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SAXPY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 17.6
Current: 17.6
0
17.6
Forward Dividend Yield 5.51
SAXPY's Forward Dividend Yield is ranked higher than
81% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.33 vs. SAXPY: 5.51 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 10.58
SAXPY's Yield on cost (5-Year) is ranked higher than
82% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.14 vs. SAXPY: 10.58 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SAXPY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 6.42  Med: 8.82 Max: 29.96
Current: 10.58
6.42
29.96

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.07
SAXPY's Price/Tangible Book is ranked lower than
75% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.37 vs. SAXPY: 2.07 )
Ranked among companies with meaningful Price/Tangible Book only.
SAXPY' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.31  Med: 1.66 Max: 2.46
Current: 2.07
1.31
2.46
Price/Projected FCF 1.33
SAXPY's Price/Projected FCF is ranked lower than
99.99% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. SAXPY: 1.33 )
Ranked among companies with meaningful Price/Projected FCF only.
SAXPY' s Price/Projected FCF Range Over the Past 10 Years
Min: 1.05  Med: 2.47 Max: 5.26
Current: 1.33
1.05
5.26
Price/DCF (Earnings Based) 1.33
SAXPY's Price/DCF (Earnings Based) is ranked lower than
79% of the 14 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. SAXPY: 1.33 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.55
SAXPY's Price/Median PS Value is ranked lower than
78% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. SAXPY: 1.55 )
Ranked among companies with meaningful Price/Median PS Value only.
SAXPY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.66  Med: 0.97 Max: 1.6
Current: 1.55
0.66
1.6
Price/Peter Lynch Fair Value 1.10
SAXPY's Price/Peter Lynch Fair Value is ranked lower than
63% of the 40 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.66 vs. SAXPY: 1.10 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SAXPY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.57  Med: 1.30 Max: 1.99
Current: 1.1
0.57
1.99
Price/Graham Number 1.14
SAXPY's Price/Graham Number is ranked lower than
66% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. SAXPY: 1.14 )
Ranked among companies with meaningful Price/Graham Number only.
SAXPY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.78  Med: 0.97 Max: 1.32
Current: 1.14
0.78
1.32
Earnings Yield (Greenblatt) (%) 9.41
SAXPY's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. SAXPY: 9.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SAXPY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 9.20 Max: 24
Current: 9.41
0.1
24
Forward Rate of Return (Yacktman) (%) 12.97
SAXPY's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 73 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.17 vs. SAXPY: 12.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SAXPY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8.3  Med: 7.70 Max: 64.3
Current: 12.97
-8.3
64.3

More Statistics

Revenue (TTM) (Mil) $6,298
EPS (TTM) $ 1.57
Beta0.84
Short Percentage of Float0.00%
52-Week Range $21.04 - 25.89
Shares Outstanding (Mil)1,120.00

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.54 1.54 1.59
EPS without NRI ($) 1.54 1.54 1.59
EPS Growth Rate
(3Y to 5Y Estimate)
N/A

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