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.
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.
Sampo OyjFRA:SMP 83 EV-to-EBITDA is 10.79 as of Jul. 27, 2026, which is 10% below its 10-year median of 11.98. GuruFocus rates FRA:SMP with a GF Score™ of 83/100 and a GF Value™ of €9.17. The stock has 2 warning signs investors should review. Among 348 Insurance companies, Sampo Oyj ranks worse than 68.1% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Sampo Oyj's enterprise value is €25,741 Mil.
Sampo Oyj's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €2,385 Mil. Therefore, Sampo Oyj's EV-to-EBITDA for today is 10.79.
The historical rank and industry rank for Sampo Oyj's EV-to-EBITDA or its related term are showing as below:
FRA:SMP'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.89 Med: 11.98 Max: 227.02
Current: 11.13
During the past 13 years, the highest EV-to-EBITDA of Sampo Oyj was 227.02. The lowest was 4.89. And the median was 11.98.
FRA:SMP's EV-to-EBITDA is ranked worse than 68.1% of 348
companies
in the Insurance industry
Industry Median: 8.26
vs FRA:SMP: 11.13
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Sampo Oyj (FRA:SMP) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sampo Oyj's share price for today is €9.26.
Sampo Oyj's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.640.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Sampo Oyj's EV-to-EBITDA 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.
FRA:SMP vs BRK.A, AIG, HIG: EV-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Sampo Oyj's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Sampo Oyj's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sampo Oyj's EV-to-EBITDA falls into.
Sampo Oyj's current Enterprise Value is €25,741 Mil.
Sampo Oyj's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2,385 Mil.
* 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 (FRA:SMP) has a EV-to-EBITDA of 10.79 as of Jul. 27, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Sampo Oyj. This is 10% below median its historical median of 11.98. Over the past decade, Sampo Oyj's EV-to-EBITDA has ranged from 4.89 to 227.02. According to the industry distribution chart, Sampo Oyj ranks #237 out of 348 companies in the Insurance industry, placing it in the top 68.1%.
Is Sampo Oyj's EV-to-EBITDA too high?
Sampo Oyj's current EV-to-EBITDA of 10.79 is 10% below median its 10-year median of 11.98. Over the past 10 years, this metric has ranged from a low of 4.89 to a high of 227.02. The Insurance industry median EV-to-EBITDA is 8.26. Sampo Oyj's value of 10.79 is 30.6% above this industry median. Based on the distribution chart, Sampo Oyj ranks #237 out of 348 companies in the Insurance industry, which is below the industry midpoint. 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 EV-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sampo Oyj ranks #237 out of 348 companies for EV-to-EBITDA. This places Sampo Oyj in the lower half of its industry. The industry median EV-to-EBITDA is 8.26. Sampo Oyj's value of 10.79 is 30.6% above this benchmark. Historically, Sampo Oyj's own EV-to-EBITDA has ranged from 4.89 to 227.02 over the past decade. While the company's 10-year median is 11.98 vs. the industry median of 8.26, Sampo Oyj has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.26, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sampo Oyj's current EV-to-EBITDA of 10.79 is 30.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Sampo Oyj. For the Insurance industry, the median EV-to-EBITDA is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sampo Oyj's current EV-to-EBITDA is 10.79, which is 10% below median its own 10-year median of 11.98. 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 EV-to-EBITDA of 10.79. The stock's GF Value™ is €9.17, compared to a current price of €9.26 — trading 1% above its estimated fair value. The current EV-to-EBITDA is 10.79, which is 10% below median its 10-year median of 11.98 and 30.6% above the Insurance industry median of 8.26. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Sampo Oyj (FRA:SMP), the current EV-to-EBITDA is 10.79 as of Jul. 27, 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% above its estimated GF Value™ of €9.17.
Key valuation signals for FRA:SMP:
EV-to-EBITDA: 10.79 (10% below median its 10-year median of 11.98)
GF Value™: €9.17 vs. price of €9.26 (1% above fair value)
Industry Position: 30.6% above the Insurance median (#237 of 348)
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 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
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:SMP has been successfully added to your 
