Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Sampo Oyj's 10-Year RORE % for the quarter that ended in Mar. 2026 was 0.98%.
The industry rank for Sampo Oyj's 10-Year RORE % or its related term are showing as below:
FRA:SMP's 10-Year RORE % is ranked worse than 74.35% of 382
companies
in the Insurance industry
Industry Median: 12.995
vs FRA:SMP: 0.98
Sampo Oyj (FRA:SMP) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Sampo Oyj 10-Year RORE % Related Terms
Sampo Oyj 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Sampo Oyj's 10-Year RORE % 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: 10-Year RORE % Comparison
For the Insurance - Diversified subindustry, Sampo Oyj's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sampo Oyj's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sampo Oyj's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Sampo Oyj (FRA:SMP) has a 10-Year RORE % of 0.98 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Sampo Oyj and its competitors. According to the industry distribution chart, Sampo Oyj ranks #284 out of 382 companies in the Insurance industry, placing it in the top 74.3%.
Is Sampo Oyj's 10-Year RORE % too high?
Sampo Oyj's current 10-Year RORE % is 0.98. The Insurance industry median 10-Year RORE % is 13.00. Sampo Oyj's value of 0.98 is 92.5% below this industry median. Based on the distribution chart, Sampo Oyj ranks #284 out of 382 companies in the Insurance industry, which is below the industry midpoint. Overall, Sampo Oyj has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Sampo Oyj's 10-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sampo Oyj ranks #284 out of 382 companies for 10-Year RORE %. This places Sampo Oyj in the lower half of its industry. The industry median 10-Year RORE % is 13.00. Sampo Oyj's value of 0.98 is 92.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for an Insurance company?
The median 10-Year RORE % among Insurance companies is 13.00, based on 382 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sampo Oyj's current 10-Year RORE % of 0.98 is 92.5% below 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Sampo Oyj and its competitors. For the Insurance industry, the median 10-Year RORE % is 13.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sampo Oyj's current 10-Year RORE % is 0.98. 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 10-Year RORE % of 0.98. The stock's GF Value™ is €9.44, compared to a current price of €9.26 — trading 1.9% below its estimated fair value. The current 10-Year RORE % is 0.98 and 92.5% below the Insurance industry median of 13.00. Sampo Oyj's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Sampo Oyj (FRA:SMP), the current 10-Year RORE % is 0.98 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 undervalued.
The current stock price of €9.26 is trading 1.9% below its estimated GF Value™ of €9.44.
Key valuation signals for FRA:SMP:
10-Year RORE %: 0.98
GF Value™: €9.44 vs. price of €9.26 (1.9% below fair value)
Industry Position: 92.5% below the Insurance median (#284 of 382)
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.
78GF Score
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