Sampo Oyj (FRA:SMP) Claims Ratio %: 0.00% (As of . 20)

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FRA:SMP Sampo Oyj FRA:SMP
86 GF Score
Price €9.26
GF Value €9.03
! 1 Warning Sign
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What is Sampo Oyj Claims Ratio %?

Sampo Oyj FRA:SMP 86 Claims Ratio % is 0.00% as of . 20. GuruFocus rates FRA:SMP with a GF Score™ of 86/100 and a GF Value™ of €9.03. The stock has 1 warning sign investors should review.

Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.

The historical rank and industry rank for Sampo Oyj's Claims Ratio % or its related term are showing as below:

FRA:SMP's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Claims Ratio % only.

Sampo Oyj  (FRA:SMP) Claims Ratio % Explanation

Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.

It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.

Sampo Oyj Claims Ratio % Related Terms

Sampo Oyj Claims Ratio % Historical Data

* Premium members only.

The historical data trend for Sampo Oyj's Claims Ratio % 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 Claims Ratio % Chart


FRA:SMP
86GF Score
Sampo Oyj FRA:SMP
Claims Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sampo Oyj  (FRA:SMP) Claims Ratio % Calculation

Claims Ratio % is calculated as

Claims Ratio %=Total Claims / Total Premiums Earned * 100%

* 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.

Frequently Asked Questions
What does a Claims Ratio % of 0.00% mean?
Sampo Oyj (FRA:SMP) has a Claims Ratio % of 0.00% as of . 20. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Sampo Oyj and its competitors.
Is Sampo Oyj's Claims Ratio % too high?
Sampo Oyj's current Claims Ratio % is 0.00%. Overall, Sampo Oyj has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Sampo Oyj's Claims Ratio % compare to BRK.A and AIG?
Sampo Oyj's Claims Ratio % of 0.00% 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 Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % 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 Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Sampo Oyj and its competitors. Sampo Oyj's current Claims Ratio % is 0.00%. 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 Claims Ratio % of 0.00%. The stock's GF Value™ is €9.03, compared to a current price of €9.26 — trading 2.5% above its estimated fair value. The current Claims Ratio % is 0.00%. Sampo Oyj's overall GF Score™ is 86/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For Sampo Oyj (FRA:SMP), the current Claims Ratio % is 0.00% as of . 20. 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 2.5% above its estimated GF Value™ of €9.03.

Key valuation signals for FRA:SMP:

  • Claims Ratio %: 0.00%
  • GF Value™: €9.03 vs. price of €9.26 (2.5% above fair value)
  • GF Score™: 86/100 with 1 warning sign

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.
86GF Score

Get the complete analysis for FRA:SMP

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

€9.26
Price
€9.03
GF Value