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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
96% of the 113 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.08 vs. SAXPY: No Debt )
SAXPY' s 10-Year Cash to Debt Range
Min: 0.23   Max: No Debt
Current: No Debt

Equity to Asset 0.32
SAXPY's Equity to Asset is ranked higher than
82% of the 113 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.21 vs. SAXPY: 0.32 )
SAXPY' s 10-Year Equity to Asset Range
Min: 0.28   Max: 0.33
Current: 0.32

0.28
0.33
Interest Coverage No Debt
SAXPY's Interest Coverage is ranked higher than
85% of the 87 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 33.72 vs. SAXPY: No Debt )
SAXPY' s 10-Year Interest Coverage Range
Min: 0.23   Max: 9999.99
Current: No Debt

0.23
9999.99
F-Score: 6
Z-Score: 1.26
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 (%) 25.30
SAXPY's Operating margin (%) is ranked higher than
92% of the 113 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.21 vs. SAXPY: 25.30 )
SAXPY' s 10-Year Operating margin (%) Range
Min: 0.35   Max: 43.31
Current: 25.3

0.35
43.31
Net-margin (%) 22.11
SAXPY's Net-margin (%) is ranked higher than
93% of the 113 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.57 vs. SAXPY: 22.11 )
SAXPY' s 10-Year Net-margin (%) Range
Min: 11.38   Max: 65.48
Current: 22.11

11.38
65.48
ROE (%) 14.16
SAXPY's ROE (%) is ranked higher than
87% of the 113 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.66 vs. SAXPY: 14.16 )
SAXPY' s 10-Year ROE (%) Range
Min: 8.42   Max: 1060.92
Current: 14.16

8.42
1060.92
ROA (%) 4.47
SAXPY's ROA (%) is ranked higher than
86% of the 113 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.16 vs. SAXPY: 4.47 )
SAXPY' s 10-Year ROA (%) Range
Min: 1.4   Max: 14.05
Current: 4.47

1.4
14.05
ROC (Joel Greenblatt) (%) 6824.00
SAXPY's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 91 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 159.39 vs. SAXPY: 6824.00 )
SAXPY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 58.82   Max: 6672
Current: 6824

58.82
6672
Revenue Growth (%) 1.70
SAXPY's Revenue Growth (%) is ranked higher than
69% of the 96 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.80 vs. SAXPY: 1.70 )
SAXPY' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 5.8
Current: 1.7

0
5.8
EBITDA Growth (%) 5.40
SAXPY's EBITDA Growth (%) is ranked higher than
69% of the 100 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.80 vs. SAXPY: 5.40 )
SAXPY' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 267.6
Current: 5.4

0
267.6
EPS Growth (%) 9.70
SAXPY's EPS Growth (%) is ranked higher than
81% of the 96 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.40 vs. SAXPY: 9.70 )
SAXPY' s 10-Year EPS Growth (%) Range
Min: -40.5   Max: 37.8
Current: 9.7

-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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.10
SAXPY's P/E(ttm) is ranked higher than
73% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.30 vs. SAXPY: 14.10 )
SAXPY' s 10-Year P/E(ttm) Range
Min: 8.56   Max: 64.35
Current: 14.1

8.56
64.35
P/B 2.00
SAXPY's P/B is ranked higher than
69% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.29 vs. SAXPY: 2.00 )
SAXPY' s 10-Year P/B Range
Min: 1.09   Max: 2.03
Current: 2

1.09
2.03
P/S 3.10
SAXPY's P/S is ranked higher than
63% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.05 vs. SAXPY: 3.10 )
SAXPY' s 10-Year P/S Range
Min: 1.52   Max: 5
Current: 3.1

1.52
5
PFCF 22.30
SAXPY's PFCF is ranked higher than
75% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 17.08 vs. SAXPY: 22.30 )
SAXPY' s 10-Year PFCF Range
Min: 2.88   Max: 133.13
Current: 22.3

2.88
133.13
EV-to-EBIT 11.38
SAXPY's EV-to-EBIT is ranked higher than
74% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.03 vs. SAXPY: 11.38 )
SAXPY' s 10-Year EV-to-EBIT Range
Min: 4.8   Max: 2724.1
Current: 11.38

4.8
2724.1
PEG 0.99
SAXPY's PEG is ranked higher than
91% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9999.00 vs. SAXPY: 0.99 )
SAXPY' s 10-Year PEG Range
Min: 0.17   Max: 1.2
Current: 0.99

0.17
1.2
Shiller P/E 17.50
SAXPY's Shiller P/E is ranked higher than
81% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 17.12 vs. SAXPY: 17.50 )
SAXPY' s 10-Year Shiller P/E Range
Min: 15.95   Max: 18.1
Current: 17.5

15.95
18.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.60
SAXPY's Dividend Yield is ranked higher than
81% of the 97 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 3.43 vs. SAXPY: 3.60 )
SAXPY' s 10-Year Dividend Yield Range
Min: 4   Max: 6.6
Current: 3.6

4
6.6
Dividend Payout 0.49
SAXPY's Dividend Payout is ranked higher than
70% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.45 vs. SAXPY: 0.49 )
SAXPY' s 10-Year Dividend Payout Range
Min: 1.79   Max: 2.32
Current: 0.49

1.79
2.32
Dividend growth (3y) 10.50
SAXPY's Dividend growth (3y) is ranked higher than
84% of the 93 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.50 vs. SAXPY: 10.50 )
SAXPY' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 14.5
Current: 10.5

0
14.5
Yield on cost (5-Year) 6.66
SAXPY's Yield on cost (5-Year) is ranked higher than
94% of the 99 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.63 vs. SAXPY: 6.66 )
SAXPY' s 10-Year Yield on cost (5-Year) Range
Min: 7.4   Max: 12.21
Current: 6.66

7.4
12.21
Share Buyback Rate 0.10
SAXPY's Share Buyback Rate is ranked higher than
79% of the 94 Companies
in the Global Insurance - Specialty industry.

( Industry Median: -0.20 vs. SAXPY: 0.10 )
SAXPY' s 10-Year Share Buyback Rate Range
Min: 0   Max: -192.3
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
SAXPY's Price/Tangible Book is ranked higher than
69% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.64 vs. SAXPY: 2.10 )
SAXPY' s 10-Year Price/Tangible Book Range
Min: 1.31   Max: 2.12
Current: 2.1

1.31
2.12
Price/DCF (Projected) 1.10
SAXPY's Price/DCF (Projected) is ranked higher than
76% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.05 vs. SAXPY: 1.10 )
SAXPY' s 10-Year Price/DCF (Projected) Range
Min: 1.32   Max: 1.87
Current: 1.1

1.32
1.87
Price/Median PS Value 1.40
SAXPY's Price/Median PS Value is ranked higher than
65% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.15 vs. SAXPY: 1.40 )
SAXPY' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 1.68
Current: 1.4

0.72
1.68
Price/Peter Lynch Fair Value 1.10
SAXPY's Price/Peter Lynch Fair Value is ranked higher than
91% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9999.00 vs. SAXPY: 1.10 )
SAXPY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47   Max: 1.16
Current: 1.1

0.47
1.16
Price/Graham Number 1.10
SAXPY's Price/Graham Number is ranked higher than
75% of the 118 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.87 vs. SAXPY: 1.10 )
SAXPY' s 10-Year Price/Graham Number Range
Min: 0.78   Max: 1.14
Current: 1.1

0.78
1.14
Earnings Yield (Greenblatt) 8.70
SAXPY's Earnings Yield (Greenblatt) is ranked higher than
68% of the 110 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 13.00 vs. SAXPY: 8.70 )
SAXPY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 20.9
Current: 8.7

0.1
20.9
Forward Rate of Return (Yacktman) 16.27
SAXPY's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 96 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 13.05 vs. SAXPY: 16.27 )
SAXPY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15.4   Max: 72.4
Current: 16.27

15.4
72.4

Business Description

Industry: Insurance - Specialty » Insurance - Specialty
Compare: » details
Traded in other countries:SAMAS.Finland, 0HAG.country, SMPA.Germany
Sampo Oyj, through its subsidiaries, provides insurance products and services. Its operations are divided into two business areas: If P&C insurance and life insurance. Its business comprises of: If, a property and casualty insurer in the Nordic region with operations in Finland, Sweden, Norway, Denmark, the Baltic countries, and Russia; Mandatum Life, a life insurance company operating in Finland and the Baltics; and Sampo plc, the parent company which owns and administers the insurance subsidiaries and manages an investment portfolio. The P&C insurance segment offers household, homeowner, motor, and accident insurance, as well as various supplementary insurance products such as travel and livestock insurance, and insurance for leisure time residences. This segment also provides travel insurance for Norwegian travellers and motor insurance for Nordic drivers. Additionally, this segment offers property, liability, workers' compensation, and cargo insurance products. The Life Insurance segment offers life and pension insurance solutions for retail, entrepreneur, corporate, and institutional customers. It also focuses on unit-linked endowment policies.

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