Sampo OyjFRA:SMP 76 5-Year Yield-on-Cost % is 3.82 as of Jul. 12, 2026, which is 26% below its 10-year median of 5.15. GuruFocus rates FRA:SMP with a GF Score™ of 76/100 and a GF Value™ of €9.27. The stock has 2 warning signs investors should review. Among 420 Insurance companies, Sampo Oyj ranks worse than 50.95% on this metric.
Sampo Oyj's yield on cost for the quarter that ended in Mar. 2026 was 3.82.
The historical rank and industry rank for Sampo Oyj's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:SMP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.44 Med: 5.15 Max: 13.29
Current: 3.82
During the past 13 years, Sampo Oyj's highest Yield on Cost was 13.29. The lowest was 3.44. And the median was 5.15.
FRA:SMP's 5-Year Yield-on-Cost % is ranked worse than 50.95% of 420
companies
in the Insurance industry
Industry Median: 3.96
vs FRA:SMP: 3.82
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Sampo Oyj 5-Year Yield-on-Cost % Related Terms
FRA:SMP vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Sampo Oyj's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sampo Oyj's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sampo Oyj's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Sampo Oyj is calculated as
Sampo Oyj (FRA:SMP) has a 5-Year Yield-on-Cost % of 3.82 as of Jul. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sampo Oyj and its competitors. This is 26% below median its historical median of 5.15. Over the past decade, Sampo Oyj's 5-Year Yield-on-Cost % has ranged from 3.44 to 13.29. According to the industry distribution chart, Sampo Oyj ranks #214 out of 420 companies in the Insurance industry, placing it in the top 51%.
Is Sampo Oyj's 5-Year Yield-on-Cost % too high?
Sampo Oyj's current 5-Year Yield-on-Cost % of 3.82 is 26% below median its 10-year median of 5.15. Over the past 10 years, this metric has ranged from a low of 3.44 to a high of 13.29. The Insurance industry median 5-Year Yield-on-Cost % is 3.96. Sampo Oyj's value of 3.82 is 3.5% below this industry median. Based on the distribution chart, Sampo Oyj ranks #214 out of 420 companies in the Insurance industry, which is below the industry midpoint. Overall, Sampo Oyj has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Sampo Oyj's 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sampo Oyj ranks #214 out of 420 companies for 5-Year Yield-on-Cost %. This places Sampo Oyj in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. Sampo Oyj's value of 3.82 is 3.5% below this benchmark. Historically, Sampo Oyj's own 5-Year Yield-on-Cost % has ranged from 3.44 to 13.29 over the past decade. While the company's 10-year median is 5.15 vs. the industry median of 3.96, Sampo Oyj has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.96, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sampo Oyj's current 5-Year Yield-on-Cost % of 3.82 is 3.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sampo Oyj and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sampo Oyj's current 5-Year Yield-on-Cost % is 3.82, which is 26% below median its own 10-year median of 5.15. 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 5-Year Yield-on-Cost % of 3.82. The stock's GF Value™ is €9.27, compared to a current price of €9.26 — trading 0.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.82, which is 26% below median its 10-year median of 5.15 and 3.5% below the Insurance industry median of 3.96. Sampo Oyj's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Sampo Oyj (FRA:SMP), the current 5-Year Yield-on-Cost % is 3.82 as of Jul. 12, 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 0.1% below its estimated GF Value™ of €9.27.
Key valuation signals for FRA:SMP:
5-Year Yield-on-Cost %: 3.82 (26% below median its 10-year median of 5.15)
GF Value™: €9.27 vs. price of €9.26 (0.1% below fair value)
Industry Position: 3.5% below the Insurance median (#214 of 420)
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.
76GF Score
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