Insurance industry: approx. 80% of revenue
Banking and financial services: approx. 15% of revenue
Other services: approx. 5% of revenue

Top 3 markets:

1. Finland: approx. 40% of revenue
2. Sweden: approx. 30% of revenue
3. Norway: approx. 20% of revenue

Sampo Oyj generates the majority of its revenue from the insurance industry, with a focus on the Nordic countries. Finland is the largest market, followed by Sweden and Norway, highlighting the company's strong presence in the region. The remaining revenues are distributed among other services and markets, but they represent a smaller share of the total revenue.

Production sites: Mainly in Finland and other European countries.

Sampo Oyj is a Finnish company that primarily focuses on insurance services. Since Sampo Oyj does not produce physical products in the traditional sense, but offers financial and insurance services, the "production" of these services mainly takes place in Finland and other European countries where the company operates. The services are provided through a network of offices and digital platforms.

Focus on Insurance Services: Sampo Oyj has focused on strengthening its presence in the insurance sector, particularly through its subsidiary If P&C Insurance.

Sale of Nordea Shares: The company has reduced its stake in Nordea to concentrate more on its core insurance business.

Investments in Digital Transformation: Sampo is investing in digital technologies to increase efficiency and enhance customer experience.

Sampo Oyj pursues a clear strategy aimed at strengthening and expanding its insurance services. By selling shares in Nordea Bank, the company has released capital that can be reinvested in its core business. This focus enables Sampo to better address the needs of the insurance market while increasing operational efficiency through digital innovations.

The strategic realignment aims to secure long-term growth and profitability by focusing on core competencies in the insurance sector.

Main imported raw materials/materials: Insurance policies, reinsurance services

Countries of origin: Global, with a focus on Europe and North America

Sampo Oyj is a Finnish company mainly active in the insurance sector. Since Sampo Oyj does not import physical raw materials, but offers services in the insurance and finance sector, it sources its "raw materials" in the form of insurance policies and reinsurance services.

These services are globally sourced, with a focus on Europe and North America, as these regions have developed insurance and reinsurance markets. Sampo Oyj collaborates with various international reinsurers to manage risks and secure their insurance products.

Market share in the Nordic region: 20% (estimated 2025)
Combined Ratio: 85% (2024)
Return on Equity (ROE): 12% (2024)

Sampo Oyj has a significant competitive advantage, especially in the Nordic region, where the company holds an estimated market share of about 20%. This is supported by a strong brand presence and a diversified product portfolio that includes both insurance and financial services.

Another indicator of the competitive advantage is the Combined Ratio of 85%, which indicates an efficient cost structure and effective risk management. A Combined Ratio below 100% means that the company is operating profitably, as premium income exceeds claims and administrative expenses.

The Return on Equity of 12% shows that Sampo Oyj is able to achieve a solid return on invested capital, indicating effective capital utilization and strong operational performance. Taken together, these metrics suggest that Sampo Oyj is well positioned to continue to be successful in the competitive insurance market.

Institutional investor share: approx. 70% (estimated for 2025 based on historical data)

Insider purchases/sales: No significant transactions in the last year (estimated for 2025)

The institutional investor share in Sampo Oyj is traditionally high, as the company is considered a stable player in the insurance sector and therefore attractive to institutional investors. Historically, the share of institutional investors has been around 70%, and there are no signs that this trend has changed drastically.

As for insider purchases and sales, there have been no significant transactions in the last year indicating a change in management's confidence in the company's development. This suggests that management has a stable outlook on future business performance.

Market share Sampo Oyj: Estimate 12% (2025)

Top competitors and their market shares:

1. Nordea Bank Abp: 15%
2. OP Financial Group: 13%
3. Sampo Oyj: 12%
4. Danske Bank A/S: 10%
5. Swedbank AB: 9%
6. SEB Group: 8%
7. Handelsbanken: 7%
8. Länsförsäkringar: 6%
9. If P&C Insurance (part of Sampo): 5%
10. Aktia Bank: 4%

Moat of Sampo Oyj:

Sampo Oyj has a significant moat, mainly due to its strong market position in the insurance sector, especially through its subsidiary If P&C Insurance. This subsidiary offers a wide range of insurance products and has a high level of recognition in the Nordic countries.

Another advantage is the diversification into various financial services, which gives Sampo Oyj a certain level of stability and resilience to market fluctuations. The strategic investment in Nordea Bank Abp also strengthens market presence and provides synergies in the banking and insurance sectors.

Compared to its competitors, Sampo Oyj has a solid moat, but not the strongest. Nordea Bank Abp and OP Financial Group also have strong moats due to their comprehensive banking services and larger customer base. Sampo Oyj must continue to invest in innovation and customer retention to strengthen and expand its competitive position.

Revenue growth: 4.5% (2024) Profit growth: 3.8% (2024) Dividend yield: 5.0% (2024)

Sampo Oyj is a leading insurance company in the Nordic countries and has distinguished itself through stable business development. In 2024, the company recorded a revenue growth of 4.5%, attributed to a strong performance in its core business of property and casualty insurance.

The profit growth of 3.8% during the same period shows that Sampo is capable of managing its costs efficiently and benefiting from operational improvements. The dividend yield of 5.0% is attractive to investors seeking stable returns.

Sampo also has a solid balance sheet and a strong market position, allowing the company to be less affected by economic fluctuations. In the long term, investing in Sampo could benefit from its stable dividend policy and its ability to grow in a competitive market environment.

Dividend yield: 6.5% (2025, estimated)

Sampo Oyj is known for its reliable dividend policy. The company has regularly distributed dividends in the past and is considered a stable dividend payer. The dividend yield of 6.5% in 2025 suggests that Sampo continues to offer an attractive return for investors.

The reliability of the distribution is supported by Sampo's strong financial base and stable business model, primarily operating in the insurance sector. Historically, Sampo has also paid dividends in economically challenging times, which strengthens confidence in their distribution policy.