You are using an old version of your web browser.

Please note that the website might not function correctly using an outdated browser. We recommend updating your browser or using another one.

This site uses cookies to offer you the best user experience. By continuing browsing this site you agree to the use of cookies. Alternatively you may change your browser settings. For further information, please read our Privacy Notice.

I agree

Frequently Asked Questions

For more questions, contact us at

Sampo’s A share is listed on Nasdaq Helsinki. The stock is also traded on several different market places as well.

In Nasdaq Helsinki, the ticker for Sampo’s A share is SAMPO and ISIN number FI0009003305.

Sampo was listed on Helsinki Stock Exchange, known today Nasdaq Helsinki, on 14 January 1988.

Yes, the share has been split twice.

  • 24 October 1997, 1:4
  • 23 April 2001, 1:5

No, Sampo has not issued any preferred shares.

Up-to-date list of analysts covering Sampo can be found here.

The list of the largest shareholders is updated monthly and can be found here. The list does not include nominee registered shareholders.

Sampo has profiled itself as a dividend company and our shareholders expect us to pay high and stable dividend. In addition, we have very strong balance sheet, which gives us ability to pay high dividends.

Buybacks are one option that can be considered if the Board of Directors considers Sampo's share to be clearly undervalued.

Sampo distributes its dividend annually, usually in spring. The dividend distribution is decided by the Annual General Meeting, which is usually held in April.

For Finnish investors, there is plenty of information on the Tax Administrations website.

For foreign investors, we recommend to turn to your local tax authority.

The dividend will be paid to shareholder who own the stock as at the AGM date, and thus is registered in the Register of Shareholders as at the record date of the dividend.

The Sampo AGM is usually held in April. Notice to the AGM will be published, at the latest, three weeks before the AGM as a stock exchange release and on Sampo's website.


Sampo's schedule for financial reporting are affected by the reporting schedule of the subsidiary Topdanmark and associate Nordea. We have to wait them to publish their reports before we are able to start working on our report. This will also push the AGM and dividend payment further the spring. Before we pay dividend to our shareholders, we wish to collect internal dividends from our subsidiaries and associates.

If's competitors are all Nordic P&C insurance companies and many of them operate locally only in one country. Main competitors are OP and LähiTapiola in Finland, LF and Folksam in Sweden and Tryg and Gjensidige in Norway. In Denmark, If and Topdanmark compete against Tryg and Codan.

Mandatum Life's main competitors are companies that offer life insurance and wealth management products and services in Finland, for example OP, Nordea, LähiTapiola, Fennia, Evli and eQ.

All kind of risks that cause turbulence in the fixed income and stock markets affect Sampo Groups investment activities. From an operational point of view, political risks in our home markets, in the Nordics are relatively small. Main risks are potential changes in taxation and regulation in the finance sector.

Read more about Sampo Group’s risk management here.

Sampo has detailed plans in case of changes in personnel when the time comes.

Especially If has very large weight in fixed income. It can be explained by two factors: dividends and credit rating. When it comes to return on equity, our objective is to keep If's balance sheet light and efficient. However, at the same time, the high credit rating and ability to pay large dividends require strong solvency. Thus, the risk profile of If's investment portfolio must be low. In addition, the group level profit performance benefits from the fact that If's profit is based on successful risk assessment and pricing i.e. underwriting rather than profits from investments. Mandatum Life, on the other hand, usually takes more equity risk.

Vast amount of Sampo’s investments are fixed income investments. Thus, rising interest rates would increase returns when assets are re-invested in fixed income. In addition, higher rates would lead to higher discount rates for technical provisions and improved interest margins for Nordea.

Very high inflation would create pressure on profitability as the increase in claims costs cannot be passed on to insurance prices between contract periods. So-called “normal” inflation does not have a large impact on business.

Geographically we prefer the Nordic countries, where we know the markets, companies and people. Other main principle is that we like to keep our investments and technical reserves in substantially the same currency in order to avoid extra currency risk.

Updated 1 Oct 2020