Sampo Oyj (OSTO:SAMPO SDB) Cyclically Adjusted PB Ratio: (As of Aug. 03, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSTO:SAMPO SDB Sampo Oyj OSTO:SAMPO SDB
84 GF Score
Price kr96.20
GF Value kr94.76
! 2 Warning Signs
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What is Sampo Oyj Cyclically Adjusted PB Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PB Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Sampo Oyj  (OSTO:SAMPO SDB) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Sampo Oyj Cyclically Adjusted PB Ratio Related Terms


Sampo Oyj Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Sampo Oyj's Cyclically Adjusted PB 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 Cyclically Adjusted PB Ratio Chart

Sampo Oyj Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.86 1.89 1.67 1.72 2.36

Sampo Oyj Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PB Ratio 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 1.95 2.05 2.21 2.36 2.10

OSTO:SAMPO SDB vs BRK.A, AIG, HIG: Cyclically Adjusted PB Ratio Comparison

For the Insurance - Diversified subindustry, Sampo Oyj's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Sampo Oyj Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Sampo Oyj's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Sampo Oyj's Cyclically Adjusted PB Ratio falls into.


OSTO:SAMPO SDB
84GF Score
Sampo Oyj OSTO:SAMPO SDB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sampo Oyj Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Sampo Oyj's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Sampo Oyj's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book=Book Value per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=33.279/124.6700*124.6700
=33.279

Current CPI (Mar. 2026) = 124.6700.

Sampo Oyj Quarterly Data

Book Value per Share CPI Adj_Book
201606 36.093 100.390 44.822
201609 39.137 100.540 48.530
201612 41.453 101.020 51.158
201703 42.639 100.910 52.679
201706 40.050 101.140 49.368
201709 43.147 101.320 53.091
201712 45.856 101.510 56.318
201803 47.150 101.730 57.782
201806 44.359 102.320 54.048
201809 46.879 102.600 56.963
201812 45.825 102.710 55.623
201903 48.594 102.870 58.892
201906 44.749 103.360 53.975
201909 43.401 103.540 52.258
201912 44.945 103.650 54.060
202003 43.009 103.490 51.811
202006 41.871 103.320 50.523
202009 43.949 103.710 52.831
202012 41.836 103.890 50.204
202103 44.633 104.870 53.060
202106 43.446 105.360 51.409
202109 45.589 106.290 53.472
202112 48.103 107.490 55.791
202203 48.323 110.950 54.299
202206 38.049 113.570 41.768
202209 37.228 114.920 40.386
202212 41.108 117.320 43.683
202303 42.433 119.750 44.176
202306 38.383 120.690 39.649
202309 31.997 121.280 32.891
202312 32.381 121.540 33.215
202403 33.937 122.360 34.578
202406 31.400 122.230 32.027
202409 29.483 122.260 30.064
202412 30.171 122.390 30.733
202503 30.446 123.010 30.857
202506 27.990 122.530 28.479
202509 31.511 122.880 31.970
202512 33.083 122.670 33.622
202603 33.279 124.670 33.279

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Sampo Oyj (OSTO:SAMPO SDB) Overvalued in 2026?

Based on GuruFocus' analysis, Sampo Oyj stock appears to be overvalued. The current stock price of kr96.20 is trading 1.5% above its estimated GF Value™ of kr94.76.

Key valuation signals for OSTO:SAMPO SDB:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: kr94.76 vs. price of kr96.20 (1.5% above fair value)
  • GF Score™: 84/100 with 2 warning signs

No single metric tells the full story. See the OSTO:SAMPO SDB 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.
84GF Score

Get the complete analysis for OSTO:SAMPO SDB

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

kr96.20
Price
kr94.76
GF Value