ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Sampo Oyj's annualizedNet Income for the quarter that ended in Mar. 2026 was $-213 Mil.
Sampo Oyj's average Total Assets over the quarter that ended in Mar. 2026 was $30,454 Mil. Therefore, Sampo Oyj's annualized ROA % for the quarter that ended in Mar. 2026 was -0.70%.
The historical rank and industry rank for Sampo Oyj's ROA % or its related term are showing as below:
SAXPY'
s ROA % Range Over the Past 10 Years
Min: 0.07 Med: 4.38 Max: 7.96
Current: 6.47
During the past 13 years, Sampo Oyj's highest ROA % was 7.96%. The lowest was 0.07%. And the median was 4.38%.
SAXPY's ROA % is ranked better than 83.07% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs SAXPY: 6.47
Sampo Oyj (OTCPK:SAXPY) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Sampo Oyj ROA % Related Terms
Sampo Oyj ROA % Historical Data
* Premium members only.
The historical data trend for Sampo Oyj's ROA % 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.
For the Insurance - Diversified subindustry, Sampo Oyj's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sampo Oyj's ROA % distribution charts can be found below:
* The bar in red indicates where Sampo Oyj's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Sampo Oyj (SAXPY) has a ROA % of -0.70% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Sampo Oyj and its competitors. Over the past decade, Sampo Oyj's ROA % has ranged from 0.07 to 7.96. According to the industry distribution chart, Sampo Oyj ranks #86 out of 508 companies in the Insurance industry, placing it in the top 16.9%.
Is Sampo Oyj's ROA % too high?
Sampo Oyj's current ROA % is -0.70%. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 7.96. Based on the distribution chart, Sampo Oyj ranks #86 out of 508 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sampo Oyj has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sampo Oyj's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sampo Oyj ranks #86 out of 508 companies for ROA %. This places Sampo Oyj in the top 17% of its industry — outperforming the majority of peers. The industry median ROA % is 2.70. Historically, Sampo Oyj's own ROA % has ranged from 0.07 to 7.96 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Sampo Oyj and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sampo Oyj's current ROA % is -0.70%. 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?
Based on GuruFocus' analysis, Sampo Oyj (SAXPY) is currently considered Fairly Valued. The stock's GF Value™ is $22.09, compared to a current price of $20.42 — trading 7.6% below its estimated fair value. The current ROA % is -0.70%. Sampo Oyj's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Sampo Oyj (SAXPY), the current ROA % is -0.70% 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 (SAXPY) Overvalued in 2026?
Based on GuruFocus' analysis, Sampo Oyj stock appears to be undervalued.
The current stock price of $20.42 is trading 7.6% below its estimated GF Value™ of $22.09.
GuruFocus considers Sampo Oyj to be Fairly Valued.
Key valuation signals for SAXPY:
ROA %: -0.70%
GF Value™: $22.09 vs. price of $20.42 (7.6% below fair value)
No single metric tells the full story. See the SAXPY 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.
73GF Score
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