Sampo Oyj (FRA:SMP) Retained Earnings: €4,874 Mil (As of Mar. 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.
Reviewed by: Charlie Tian Charlie Tian
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.

FRA:SMP Sampo Oyj FRA:SMP
77 GF Score
Price €9.26
GF Value €9.20
! 2 Warning Signs
View Full Analysis

What is Sampo Oyj Retained Earnings?

Sampo Oyj FRA:SMP 77 Retained Earnings is €4,874 Mil as of Mar. 2026. GuruFocus rates FRA:SMP with a GF Score™ of 77/100 and a GF Value™ of €9.20. The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Sampo Oyj's retained earnings for the quarter that ended in Mar. 2026 was €4,874 Mil.

Sampo Oyj's quarterly retained earnings increased from Sep. 2025 (€4,533 Mil) to Dec. 2025 (€4,927 Mil) but then declined from Dec. 2025 (€4,927 Mil) to Mar. 2026 (€4,874 Mil).

Sampo Oyj's annual retained earnings declined from Dec. 2023 (€6,378 Mil) to Dec. 2024 (€4,176 Mil) but then increased from Dec. 2024 (€4,176 Mil) to Dec. 2025 (€4,927 Mil).


Sampo Oyj  (FRA:SMP) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Sampo Oyj Retained Earnings Historical Data

* Premium members only.

The historical data trend for Sampo Oyj's Retained Earnings 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 Retained Earnings Chart

Sampo Oyj Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9,945.00 8,482.00 6,378.00 4,176.00 4,927.00

Sampo Oyj Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings 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 4,473.00 3,971.00 4,533.00 4,927.00 4,874.00
FRA:SMP
77GF Score
Sampo Oyj FRA:SMP
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sampo Oyj Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of €4,874 Mil mean?
Sampo Oyj (FRA:SMP) has a Retained Earnings of €4,874 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sampo Oyj and its competitors.
Is Sampo Oyj's Retained Earnings too high?
Sampo Oyj's current Retained Earnings is €4,874 Mil. Overall, Sampo Oyj has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Sampo Oyj's Retained Earnings compare to BRK.A and AIG?
Sampo Oyj's Retained Earnings of €4,874 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 Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sampo Oyj and its competitors. Sampo Oyj's current Retained Earnings is €4,874 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 Retained Earnings of €4,874 Mil. The stock's GF Value™ is €9.20, compared to a current price of €9.26 — trading 0.7% above its estimated fair value. The current Retained Earnings is €4,874 Mil. Sampo Oyj's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Sampo Oyj (FRA:SMP), the current Retained Earnings is €4,874 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 0.7% above its estimated GF Value™ of €9.20.

Key valuation signals for FRA:SMP:

  • Retained Earnings: €4,874 Mil
  • GF Value™: €9.20 vs. price of €9.26 (0.7% above fair value)
  • GF Score™: 77/100 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.
77GF Score

Get the complete analysis for FRA:SMP

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

€9.26
Price
€9.20
GF Value