ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Sampo Oyj's annualized net income for the quarter that ended in Mar. 2026 was $-213 Mil. Sampo Oyj's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $9,480 Mil. Therefore, Sampo Oyj's annualized ROE % for the quarter that ended in Mar. 2026 was -2.24%.
The historical rank and industry rank for Sampo Oyj's ROE % or its related term are showing as below:
SAXPY'
s ROE % Range Over the Past 10 Years
Min: 0.32 Med: 15.9 Max: 26.37
Current: 21.76
During the past 13 years, Sampo Oyj's highest ROE % was 26.37%. The lowest was 0.32%. And the median was 15.90%.
SAXPY's ROE % is ranked better than 82.34% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs SAXPY: 21.76
Sampo Oyj (OTCPK:SAXPY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Sampo Oyj ROE % Related Terms
Sampo Oyj ROE % Historical Data
* Premium members only.
The historical data trend for Sampo Oyj's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sampo Oyj's ROE % distribution charts can be found below:
* The bar in red indicates where Sampo Oyj's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Sampo Oyj (SAXPY) has a ROE % of -2.24% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sampo Oyj and its competitors. Over the past decade, Sampo Oyj's ROE % has ranged from 0.32 to 26.37. According to the industry distribution chart, Sampo Oyj ranks #89 out of 504 companies in the Insurance industry, placing it in the top 17.7%.
Is Sampo Oyj's ROE % too high?
Sampo Oyj's current ROE % is -2.24%. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 26.37. Based on the distribution chart, Sampo Oyj ranks #89 out of 504 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sampo Oyj ranks #89 out of 504 companies for ROE %. This places Sampo Oyj in the top 18% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Historically, Sampo Oyj's own ROE % has ranged from 0.32 to 26.37 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sampo Oyj and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sampo Oyj's current ROE % is -2.24%. 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 ROE % is -2.24%. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Sampo Oyj (SAXPY), the current ROE % is -2.24% 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:
ROE %: -2.24%
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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