Sampo Oyj (FRA:SMP) Net Loan: €698 Mil (As of Mar. 2026)

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FRA:SMP Sampo Oyj FRA:SMP
83 GF Score
Price €9.26
GF Value €9.14
! 2 Warning Signs
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What is Sampo Oyj Net Loan?

Sampo Oyj FRA:SMP 83 Net Loan is €698 Mil as of Mar. 2026. GuruFocus rates FRA:SMP with a GF Score™ of 83/100 and a GF Value™ of €9.14. The stock has 2 warning signs investors should review.

Sampo Oyj's quarterly net loan stayed the same from Sep. 2025 (€0 Mil) to Dec. 2025 (€0 Mil) but then increased from Dec. 2025 (€0 Mil) to Mar. 2026 (€698 Mil).

Sampo Oyj Net Loan Historical Data

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The historical data trend for Sampo Oyj's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sampo Oyj Net Loan Chart

Sampo Oyj Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 371.00 0.00 0.00 0.00

Sampo Oyj Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 575.00 618.00 0.00 0.00 698.00
FRA:SMP
83GF Score
Sampo Oyj FRA:SMP
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Sampo Oyj Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €698 Mil mean?
Sampo Oyj (FRA:SMP) has a Net Loan of €698 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Sampo Oyj and its competitors.
Is Sampo Oyj's Net Loan too high?
Sampo Oyj's current Net Loan is €698 Mil. Overall, Sampo Oyj has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Sampo Oyj's Net Loan compare to BRK.A and AIG?
Sampo Oyj's Net Loan of €698 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Sampo Oyj and its competitors. Sampo Oyj's current Net Loan is €698 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sampo Oyj stock overvalued right now?
Sampo Oyj (FRA:SMP) has a current Net Loan of €698 Mil. The stock's GF Value™ is €9.14, compared to a current price of €9.26 — trading 1.3% above its estimated fair value. The current Net Loan is €698 Mil. Sampo Oyj's overall GF Score™ is 83/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Sampo Oyj (FRA:SMP), the current Net Loan is €698 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sampo Oyj (FRA:SMP) Overvalued in 2026?

Based on GuruFocus' analysis, Sampo Oyj stock appears to be overvalued. The current stock price of €9.26 is trading 1.3% above its estimated GF Value™ of €9.14.

Key valuation signals for FRA:SMP:

  • Net Loan: €698 Mil
  • GF Value™: €9.14 vs. price of €9.26 (1.3% above fair value)
  • GF Score™: 83/100 with 2 warning signs

No single metric tells the full story. See the FRA:SMP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sampo Oyj Business Description

Address Fabianinkatu 21, Helsinki, FIN, 00130
Sampo is a leading Nordics-based insurer headquartered in Finland and listed in Helsinki. The company has operations in Denmark, Estonia, Finland, Norway, Lithuania, Latvia, and the United Kingdom. Sampo has four subsidiaries that mainly sell private insurance to retail customers. It is the largest property and casualty insurer in the Nordics. Headquartered in Sweden, and If also sells insurance in Denmark, Norway, and Finland. Topdanmark is a Danish property and casualty insurer focusing on personal lines insurance as well as agriculture and small and medium-size enterprises. Topdanmark has been rolled into the Nordics, and Hastings is a digital insurer that focuses on car, van, bike, and home insurance in the UK.
83GF Score

Get the complete analysis for FRA:SMP

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€9.26
Price
€9.14
GF Value