Mandatum (HAM:N2S) GF Score: 34/100 (As of Jul. 09, 2026) — 325% Above Median


HAM:N2S Mandatum PLC HAM:N2S
34 GF Score
Price €5.47
GF Value €5.03
! 3 Warning Signs
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What is Mandatum GF Score?

Mandatum HAM:N2S -0.46% 34 GF Score is 34 as of Jul. 09, 2026, which is 325% above its 10-year median of 8.00. GuruFocus rates HAM:N2S with a GF Score™ of 34/100 and a GF Value™ of €5.03. The stock has 3 warning signs investors should review.

Mandatum has the GF Score of 34, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 6/10
2. Profitability Rank : 3/10
3. Growth Rank : 0/10
4. GF Value Rank : 6/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Mandatum might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Mandatum  (HAM:N2S) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Mandatum GF Score Related Terms

HAM:N2S vs VOYA, FRHC, HTH: GF Score Comparison

For the Financial Conglomerates subindustry, Mandatum's GF Score, along with its competitors' market caps and GF Score 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.

Mandatum GF Score vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Mandatum's GF Score distribution charts can be found below:

* The bar in red indicates where Mandatum's GF Score falls into.


HAM:N2S
34GF Score
Mandatum PLC HAM:N2S
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 34 mean?
Mandatum (HAM:N2S) has a GF Score of 34 as of Jul. 09, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Mandatum and its competitors. This is 325% above median its historical median of 8.00. Over the past decade, Mandatum's GF Score has ranged from 6.00 to 31.00.
Is Mandatum's GF Score too high?
Mandatum's current GF Score of 34 is 325% above median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 31.00. Overall, Mandatum has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Mandatum's GF Score compare to VOYA and FRHC?
Mandatum's GF Score of 34 can be compared against companies in the Diversified Financial Services industry. Historically, Mandatum's own GF Score has ranged from 6.00 to 31.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Diversified Financial Services company?
A good GF Score depends on the Diversified Financial Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Mandatum and its competitors. Mandatum's current GF Score is 34, which is 325% above median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mandatum stock overvalued right now?
Mandatum (HAM:N2S) has a current GF Score of 34. The stock's GF Value™ is €5.03, compared to a current price of €5.47 — trading 8.6% above its estimated fair value. The current GF Score is 34, which is 325% above median its 10-year median of 8.00. Mandatum's overall GF Score™ is 34/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Mandatum (HAM:N2S), the current GF Score is 34 as of Jul. 09, 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 Mandatum (HAM:N2S) Overvalued in 2026?

Based on GuruFocus' analysis, Mandatum stock appears to be overvalued. The current stock price of €5.47 is trading 8.6% above its estimated GF Value™ of €5.03.

Key valuation signals for HAM:N2S:

  • GF Score: 34 (325% above median its 10-year median of 8.00)
  • GF Value™: €5.03 vs. price of €5.47 (8.6% above fair value)
  • GF Score™: 34/100 with 3 warning signs

No single metric tells the full story. See the HAM:N2S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Mandatum Business Description

Address Bulevardi 56, Helsinki, FIN, 00120
Mandatum PLC is a financial services provider that combines expertise in wealth management and life insurance. It offers clients a wide array of services covering asset and wealth management, savings and investment, compensation and rewards as well as pension plans and personal risk insurance. The reportable segments are: Institutional & wealth management, Corporate clients, Retail clients and With-profit business.
34GF Score

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

€5.47
Price
€5.03
GF Value