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Sampo (SAMPO) investor relations material
Sampo Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved robust top-line growth with gross written premiums (GWP) up 8–10% year-over-year, driven by strong momentum in private and SME lines, especially in the Nordics and UK.
Underwriting profit/result increased 17% year-over-year to EUR 1,121 million, supported by solid margins and favorable claims outcomes in the Nordics.
Operating EPS increased 14% year-over-year to EUR 0.38, with reported EPS up 40%, and the Board raised the operating EPS growth target for 2024–2026 to over 9% annually.
Launched a new EUR 150 million share buyback program, funded by proceeds from the NOBA/Nova Bank IPO.
Net profit increased 50% year-over-year to EUR 1,460 million, with profit before taxes up 32%.
Financial highlights
GWP up 10% to EUR 8,461 million for Jan–Sep 2025; insurance revenue up 9% to EUR 6,755 million.
Net investment income surged to EUR 927 million, boosted by a EUR 355 million gain from the NOBA/Nova Bank IPO.
Combined ratio improved to 83.4% for 1–9/2025; underwriting margin at 17% for Q3.
Solvency II coverage at 172%, with financial leverage reduced to 24.5%.
Net financial result rose to EUR 836 million, mainly due to the NOBA gain.
Outlook and guidance
2025 insurance revenue forecasted at EUR 8.9–9.1 billion (6–9% growth); underwriting result expected at EUR 1,425–1,525 million (8–16% growth).
Operating EPS growth target raised to over 9% per year for 2024–2026; combined ratio target remains below 85%.
No further upward revision to full-year guidance due to uncertainty from severe weather events, particularly storm Amy in Norway.
Detail key drivers for the raised EPS target
Topdanmark synergy timing differences
Nordic Industrial segment's long-term strategy
What prevents raising Nordic cost synergy targets?
Outline remaining ownership divestment strategy
Clarify Nordic cost ratio 22.5% vs 22.6%
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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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