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Sampo (SAMPO) investor relations material
Sampo Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Achieved strong H1 2025 performance with 8% like-for-like top-line growth, driven by robust private business in Nordics and UK, and favorable claims and weather outcomes.
Underwriting result up 25% year-over-year to €729 million; combined ratio improved to 83.6%.
Operating EPS increased 13% to €0.25, offsetting lower investment returns and higher share count.
Announced a new €200 million share buyback program, supported by strong capital generation and solvency II coverage at 174%.
CEO transition set for Q3/Q4 2025, with Morten Thorsrud to succeed Torbjörn Magnusson.
Financial highlights
Gross written premiums up 8% year-over-year to €6,242 million in H1 2025; insurance revenue up 9% to €4,452 million.
Underwriting result up 26% to €729 million; net profit up 8% to €703 million.
Combined ratio improved to 83.6% from 85.8% year-over-year, driven by favorable claims and expense management.
Operating EPS up 16% in Q2 to €0.14; return on equity own funds at 29.5% for H1 2025.
Net investment income declined to €287–373 million in H1 due to adverse mark-to-market movements.
Outlook and guidance
2025 insurance revenue guidance raised to €8.9–9.1 billion, 6–9% growth year-over-year.
Underwriting result guidance increased to €1,425–1,525 million, 8–16% growth.
Targets combined ratio below 85% and operating EPS growth above 7% annually for 2024–2026.
Share buyback program may be increased if legacy assets or Nova IPO proceeds are realized.
How will Topdanmark integration accelerate?
Explain the rationale for UK expansion.
Quantify the impact of model extension.
How does Topdanmark's retention rate compare post-takeover?
Quantify digital-only sales growth target by 2026.
Assess the financial income proxy for the full year.
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Q3 20255 Nov, 2025
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Frequently asked questions
Sampo Oyj provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries. The company operates through four segments: If P&C, Topdanmark, Mandatum Life, and Other Operations. The company offers various life insurance and savings products, including life insurance policies; group pension products; individual retirement savings products; investment-type life insurance policies; annuity contracts; bonus-based savings plans; and unit-linked products under the Sampo Savipaja brand for self-employed persons. It also provides variable annuity contracts that allow a policyholder to receive a lump sum or periodic payments upon reaching a certain age or for other events specified in the contract. In addition, the company offers accident, liability, home, vessel, vehicle, and travel insurance products. Its customers include individuals, corporations, businesses of all sizes, and public sector entities.
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