Sampo Group's results for 2025
Like-for-like top-line growth came in at 8 per cent on the back of strong performance across private and SME lines both in the Nordics and in the UK.
The underwriting result increased by 12 per cent on a currency adjusted basis to EUR 1,485 million, and the combined ratio improved by 0.7 percentage points to 83.6 per cent.
Operating EPS strengthened by 7 per cent on the increase in the underwriting result.
Reported EPS increased by 65 per cent, driven by EUR 540 million net gain on the Group's investment in NOBA.
Solvency II coverage stood at 174 per cent, net of the proposed dividend, and financial leverage amounted to 23.6 per cent.
The Board proposes a regular dividend of EUR 0.36 per share, representing 6 per cent increase.
Sampo expects to achieve an insurance revenue of EUR 9.5-9.8 billion and to deliver an underwriting result of EUR 1,485-1,600 million in 2026.
"In 2025, Sampo delivered another year of consistent execution of our organic growth strategy. Our strong result shows that we continue to benefit from our scale and unique market positions, and that the investments we have made in digital sales and service capabilities are paying off. Looking to 2026, Sampo is in a good position to deliver on its financial targets and to continue to provide resilient value creation to shareholders," says Morten Thorsrud, Sampo Group CEO.
Key figures
EURm
10-12/2025
10-12/2024
Change, %
2025
2024
Change, %
Gross written premiums
2,277
2,212
3
10,738
9,931
8
Insurance revenue, net
2,322
2,172
7
9,078
8,386
8
Underwriting result
364
361
1
1,485
1,316
13
Net financial result
375
62
501
1,210
636
90
Profit before taxes
668
219
205
2,436
1,559
56
Net profit
538
180
198
1,998
1,154
73
Operating result
312
347
-10
1,343
