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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
89% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. SAXPY: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SAXPY' s 10-Year Cash to Debt Range
Min: 0.23  Med: 9999.00 Max: No Debt
Current: No Debt
Equity to Asset 0.31
SAXPY's Equity to Asset is ranked higher than
60% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. SAXPY: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
SAXPY' s 10-Year Equity to Asset Range
Min: 0.28  Med: 0.30 Max: 0.33
Current: 0.31
0.28
0.33
Interest Coverage No Debt
SAXPY's Interest Coverage is ranked higher than
88% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. SAXPY: No Debt )
Ranked among companies with meaningful Interest Coverage only.
SAXPY' s 10-Year Interest Coverage Range
Min: 0.23  Med: 5007.74 Max: 9999.99
Current: No Debt
0.23
9999.99
F-Score: 7
WACC vs ROIC
7.61%
15.44%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.30
SAXPY's Operating margin (%) is ranked higher than
87% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. SAXPY: 26.30 )
Ranked among companies with meaningful Operating margin (%) only.
SAXPY' s 10-Year Operating margin (%) Range
Min: 0.35  Med: 21.00 Max: 43.31
Current: 26.3
0.35
43.31
Net-margin (%) 23.10
SAXPY's Net-margin (%) is ranked higher than
89% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. SAXPY: 23.10 )
Ranked among companies with meaningful Net-margin (%) only.
SAXPY' s 10-Year Net-margin (%) Range
Min: 11.38  Med: 21.94 Max: 65.48
Current: 23.1
11.38
65.48
ROE (%) 14.78
SAXPY's ROE (%) is ranked higher than
71% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. SAXPY: 14.78 )
Ranked among companies with meaningful ROE (%) only.
SAXPY' s 10-Year ROE (%) Range
Min: 10.47  Med: 14.17 Max: 55.39
Current: 14.78
10.47
55.39
ROA (%) 4.69
SAXPY's ROA (%) is ranked higher than
79% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.88 vs. SAXPY: 4.69 )
Ranked among companies with meaningful ROA (%) only.
SAXPY' s 10-Year ROA (%) Range
Min: 1.41  Med: 2.82 Max: 9.78
Current: 4.69
1.41
9.78
ROC (Joel Greenblatt) (%) 7577.87
SAXPY's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 252.27 vs. SAXPY: 7577.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SAXPY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 148.2  Med: 3362.75 Max: 7179.59
Current: 7577.87
148.2
7179.59
Revenue Growth (3Y)(%) 6.70
SAXPY's Revenue Growth (3Y)(%) is ranked lower than
54% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. SAXPY: 6.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SAXPY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -49.15 Max: 6.7
Current: 6.7
0
6.7
EBITDA Growth (3Y)(%) 12.70
SAXPY's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. SAXPY: 12.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SAXPY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 7.45 Max: 267.6
Current: 12.7
0
267.6
EPS Growth (3Y)(%) 14.10
SAXPY's EPS Growth (3Y)(%) is ranked lower than
58% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. SAXPY: 14.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SAXPY' s 10-Year EPS Growth (3Y)(%) Range
Min: -40.5  Med: 11.90 Max: 37.8
Current: 14.1
-40.5
37.8
» SAXPY's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SAXPY

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Ratios

vs
industry
vs
history
P/E(ttm) 14.80
SAXPY's P/E(ttm) is ranked lower than
68% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. SAXPY: 14.80 )
Ranked among companies with meaningful P/E(ttm) only.
SAXPY' s 10-Year P/E(ttm) Range
Min: 8.56  Med: 12.80 Max: 64.35
Current: 14.8
8.56
64.35
Forward P/E 14.75
SAXPY's Forward P/E is ranked lower than
72% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.97 vs. SAXPY: 14.75 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.80
SAXPY's PE(NRI) is ranked lower than
69% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. SAXPY: 14.80 )
Ranked among companies with meaningful PE(NRI) only.
SAXPY' s 10-Year PE(NRI) Range
Min: 8.53  Med: 12.80 Max: 64.35
Current: 14.8
8.53
64.35
P/B 2.07
SAXPY's P/B is ranked lower than
81% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.27 vs. SAXPY: 2.07 )
Ranked among companies with meaningful P/B only.
SAXPY' s 10-Year P/B Range
Min: 1.09  Med: 1.41 Max: 2.37
Current: 2.07
1.09
2.37
P/S 3.41
SAXPY's P/S is ranked lower than
91% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. SAXPY: 3.41 )
Ranked among companies with meaningful P/S only.
SAXPY' s 10-Year P/S Range
Min: 1.52  Med: 2.26 Max: 5
Current: 3.41
1.52
5
POCF 13.07
SAXPY's POCF is ranked lower than
72% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.36 vs. SAXPY: 13.07 )
Ranked among companies with meaningful POCF only.
SAXPY' s 10-Year POCF Range
Min: 5.34  Med: 19.37 Max: 112.11
Current: 13.07
5.34
112.11
EV-to-EBIT 11.27
SAXPY's EV-to-EBIT is ranked lower than
70% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.42 vs. SAXPY: 11.27 )
Ranked among companies with meaningful EV-to-EBIT only.
SAXPY' s 10-Year EV-to-EBIT Range
Min: -13.6  Med: 10.50 Max: 2724.1
Current: 11.27
-13.6
2724.1
PEG 1.23
SAXPY's PEG is ranked lower than
64% of the 53 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. SAXPY: 1.23 )
Ranked among companies with meaningful PEG only.
SAXPY' s 10-Year PEG Range
Min: 0.43  Med: 1.21 Max: 1.84
Current: 1.23
0.43
1.84
Shiller P/E 18.61
SAXPY's Shiller P/E is ranked lower than
56% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.54 vs. SAXPY: 18.61 )
Ranked among companies with meaningful Shiller P/E only.
SAXPY' s 10-Year Shiller P/E Range
Min: 16.03  Med: 17.46 Max: 21.39
Current: 18.61
16.03
21.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.45
SAXPY's Dividend Yield is ranked higher than
62% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. SAXPY: 4.45 )
Ranked among companies with meaningful Dividend Yield only.
SAXPY' s 10-Year Dividend Yield Range
Min: 3.35  Med: 4.58 Max: 6.69
Current: 4.45
3.35
6.69
Dividend Payout 0.45
SAXPY's Dividend Payout is ranked lower than
61% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. SAXPY: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
SAXPY' s 10-Year Dividend Payout Range
Min: 1.79  Med: 2.09 Max: 2.32
Current: 0.45
1.79
2.32
Dividend growth (3y) 12.80
SAXPY's Dividend growth (3y) is ranked higher than
66% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. SAXPY: 12.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
SAXPY' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 14.5
Current: 12.8
0
14.5
Yield on cost (5-Year) 8.53
SAXPY's Yield on cost (5-Year) is ranked higher than
84% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.51 vs. SAXPY: 8.53 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SAXPY' s 10-Year Yield on cost (5-Year) Range
Min: 6.42  Med: 8.78 Max: 12.82
Current: 8.53
6.42
12.82
Share Buyback Rate 0.10
SAXPY's Share Buyback Rate is ranked higher than
56% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. SAXPY: 0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
SAXPY' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.30 Max: -192.3
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.20
SAXPY's Price/Tangible Book is ranked lower than
74% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. SAXPY: 2.20 )
Ranked among companies with meaningful Price/Tangible Book only.
SAXPY' s 10-Year Price/Tangible Book Range
Min: 1.31  Med: 1.51 Max: 2.42
Current: 2.2
1.31
2.42
Price/Projected FCF 2.58
SAXPY's Price/Projected FCF is ranked lower than
98% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. SAXPY: 2.58 )
Ranked among companies with meaningful Price/Projected FCF only.
SAXPY' s 10-Year Price/Projected FCF Range
Min: 2.46  Med: 2.83 Max: 3.27
Current: 2.58
2.46
3.27
Price/Median PS Value 1.51
SAXPY's Price/Median PS Value is ranked lower than
88% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. SAXPY: 1.51 )
Ranked among companies with meaningful Price/Median PS Value only.
SAXPY' s 10-Year Price/Median PS Value Range
Min: 0.76  Med: 0.96 Max: 1.66
Current: 1.51
0.76
1.66
Price/Peter Lynch Fair Value 1.60
SAXPY's Price/Peter Lynch Fair Value is ranked lower than
83% of the 40 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.68 vs. SAXPY: 1.60 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SAXPY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47  Med: 0.88 Max: 1.75
Current: 1.6
0.47
1.75
Price/Graham Number 1.20
SAXPY's Price/Graham Number is ranked lower than
75% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.88 vs. SAXPY: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
SAXPY' s 10-Year Price/Graham Number Range
Min: 0.78  Med: 0.91 Max: 1.32
Current: 1.2
0.78
1.32
Earnings Yield (Greenblatt) (%) 8.90
SAXPY's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. SAXPY: 8.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SAXPY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 9.05 Max: 20.9
Current: 8.9
0.1
20.9
Forward Rate of Return (Yacktman) (%) 9.24
SAXPY's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.09 vs. SAXPY: 9.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SAXPY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.2  Med: 9.90 Max: 29.3
Current: 9.24
0.2
29.3

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:SAMAS.Finland, 0HAG.UK, SMPA.Germany,
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.
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