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Sampo (SAMPO) investor relations material
Sampo Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved 8% like-for-like growth in 2025, with strong momentum in private and SME segments across Nordics and UK, and robust operational performance in key markets.
Underwriting profit reached EUR 1.5 billion, up 12–13% year-over-year, marking the third consecutive year of double-digit growth.
Reported EPS surged 65% due to a EUR 540 million gain from the NOBA IPO; operating EPS grew 7% to EUR 0.50.
Board proposed a regular dividend of EUR 0.36 per share, a 6% increase, and continued share buybacks, with a payout ratio of 71% of operating result.
Solvency II coverage at 174%, financial leverage at 23.6%, and strong liquidity position maintained.
Financial highlights
Gross written premiums grew 8% to EUR 10.7 billion; insurance revenue up 8% to EUR 9.1 billion.
Underwriting result increased 12–13% to EUR 1,485 million; combined ratio improved to 83.6%.
Net profit rose 73% to EUR 1,998 million; profit before taxes up 56% to EUR 2,436 million.
Investment income was strong, with a EUR 540 million gain from the NOBA IPO and group investment return at 5.5%.
Solvency II ratio stood at 174% at year-end, with EUR 1.5 billion of deployable capital generated in 2025.
Outlook and guidance
2026 insurance revenue expected at EUR 9.5–9.8 billion (5–8% growth); underwriting result forecasted at EUR 1,485–1,600 million (0–8% growth).
Combined ratio target remains below 85% for 2024–2026; operating EPS growth target above 9% annually.
Outlook subject to weather, large claims, prior year development, discount rates, and competitive dynamics, especially in UK motor market.
Planned 40 basis points improvement in Nordic operating cost ratio to drive profitability.
Expect continued organic growth as the main driver, with disciplined execution in competitive markets.
- TimeTickerHeadlineOpen
- 6 FebMGY
Record production, strong free cash flow, and disciplined capital returns defined 2025. - 6 FebQNST
Record Q2 revenue, $50.2M net income, HomeBuddy acquisition, and AI drive growth. - 6 FebOPGN
Shareholders will vote on seven key proposals, including a new equity plan and company name change. - 6 FebCDP
2025 FFO/share up 5.8% with strong leasing; 2026 outlook positive amid record defense spending. - 6 FebVTR
2025 saw double-digit SHOP NOI and FFO growth, a raised dividend, and $2.5B in investments. - 6 FebREG
2025 delivered record NOI and FFO growth, with 2026 guidance projecting further gains. - 6 FebMNTS
All stock issuance proposals passed except the share increase, which was not approved. - 6 FebCPT
2025 beat guidance; 2026 sees lower FFO, Sun Belt focus, and major asset sales with share repurchases. - 6 FebKOG
Record growth, robust backlog, and a NOK 5.70 dividend proposal drive future expansion. - 6 FebTSBK
Net income rose 19.8% to $8.22M, with higher margins, strong capital, and a dividend increase.
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