Sampo as an investment
Sampo is the leading property and casualty (P&C) insurance group in the Nordic region—and the only one operating across all Nordic countries, customer segments, and product lines. The Group also holds a strong position in the fast-growing digital P&C insurance market in the UK.
Why invest in Sampo?
Listed on Nasdaq Helsinki since 1988, Sampo is one of the most valuable companies on the exchange. The Group is also listed on Nasdaq Stockholm via Swedish Depositary Receipts (SDRs) and on Nasdaq Copenhagen.
Comprehensive diversification and strong market position
Sampo is the only pan-Nordic P&C insurance group with a leading presence in all customer segments. In total, we have around 4 million customers in the Nordics with a core focus on private individuals and SMEs.
In the UK, Sampo is one of the leading digital motor insurers and an emerging challenger in the digital home insurance market with over 4 million customers. In addition, Sampo operates in the Baltic region, serving around 370,000 customers.
Unique operating capabilities
Sampo’s strategy centers on disciplined underwriting and leveraging digital capabilities through the group’s pan-Nordic operating platform.
Our sizeable and growing investments in digitalisation enhances every part of the value chain – from distribution and pricing to underwriting and claims handling. Combined with our industry-leading partner network, this enables superior customer service and continued cost efficiency improvements.
Multiple growth areas
Around half of the Group’s business is positioned in attractive growth areas.
In personal insurance, growth is driven by rising demand in the Nordics and our cross-selling opportunities. Meanwhile, the growth outlook in private property benefits from our extensive digital product offering, broad channel mix, partnerships, and pricing capabilities. In the Commercial SME business, we are able to capture growth potential by leveraging our digital capabilities and service model.
In the UK, Sampo is well-positioned to expand in both digital motor and home insurance markets supported by our advanced pricing, risk selection, and distribution capabilities.
Stable and growing earnings
Our operations are inherently resilient, supported by stable and consolidated Nordic markets. Combined with wide diversification, scale benefits, and operational excellence, this creates a solid foundation for predictable earnings.
Sampo has an exceptional track record of delivering strong results and a clear focus on underwriting profitability is the cornerstone of our strategy. Growth is pursued selectively whenever it can be achieved without compromising margins.
Sampo targets an operating EPS growth of more than 7 per cent annually on average, while maintaining below 85% combined ratio in 2024-2026.
Attractive capital returns
Sampo’s cash-generative business model and disciplined capital management enable us to deliver consistently attractive capital returns to shareholders.
We aim to pay a stable and sustainable regular dividend that grows in line with Group’s operating result over time. The regular dividend can be complemented with distributions of excess capital via share buybacks and/or extra dividends.
For 2024-2026, Sampo’s target is to generate over EUR 4.5 billion of deployable capital and most of this will be returned to shareholders through regular dividends and share buybacks.
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