contentSlug

type

ContentSlug_ContentQuery

slug

ContentPageContentQuery

content

trendingContent

query ContentSlug_ContentQuery(
  $contentSlug: String!
  $type: [ContentType!]
) {
  ...ContentPageContentQuery_13QmVO
}

fragment CompanyDetails_Content on Content {
  __isContent: __typename
  companies {
    name
    description
    pageUrl
    id
  }
}

fragment ContentBasicInfo on Content {
  __isContent: __typename
  id
  type
  title
  lang
  companies {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  tags {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  ...PublishingDetails
  ...Reactions
}

fragment ContentMetadata on Content {
  __isContent: __typename
  type
  title
  lang
  pageUrl
  alternatePageUrls: translations {
    __typename
    pageUrl
    lang
  }
  imgUrl
  description
  ... on Video {
    liveTime
    videoUrl
  }
  ... on Webcast {
    liveTime
    videoUrl
  }
}

fragment ContentPageContentQuery_13QmVO on Query {
  content(slug: $contentSlug, type: $type) {
    __typename
    id
    type
    title
    isPremium
    lang
    htmlBody
    summary
    companies {
      forum {
        latestPosts {
          ...ForumPosts
        }
      }
      name
      id
      viewerIsFollowing
      pageUrl
      defaultInstrument {
        isin
        id
        marketOpen
        marketClose
        marketplace {
          region
        }
        returns {
          total
        }
      }
    }
    tags {
      viewerIsFollowing
      id
      name
      pageUrl
    }
    createdAt
    ... on Video {
      liveTime
    }
    ... on Webcast {
      liveTime
    }
    slug
    ... on CompanyReport {
      reportUrl
    }
    ... on ThirdPartyCompanyReport {
      reportUrl
    }
    ... on StockExchangeRelease {
      reportUrl
    }
    ...ContentBasicInfo
    ...ContentMetadata
    ...PriceAndRecommendation_Content
    ...CompanyDetails_Content
    ...ReportLink_Content
    ...KeyFigures_Content
  }
  ...TrendingContent_1jQ2Cn
}

fragment ForumPosts on ForumPost {
  text
  likesCount
  url
  author
  postedAt
  authorImgUrl
}

fragment KeyFigures_Content on Content {
  __isContent: __typename
  companies {
    defaultInstrument {
      estimateData {
        modelType
        reportingCurrency
      }
      snapshot {
        transaction {
          date
          actualized {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
          estimates {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
        }
      }
      id
    }
    id
  }
}

fragment PriceAndRecommendation_Content on Content {
  __isContent: __typename
  createdAt
  companies {
    name
    pageUrl
    defaultInstrument {
      priceData {
        tradeCurrency
      }
      snapshot {
        priceData {
          date
          lastPrice
          tradeCurrency
        }
        transaction {
          date
          recommendation
          targetPrice
        }
        prevTransaction {
          recommendation
        }
      }
      id
    }
    id
  }
}

fragment PublishingDetails on Content {
  __isContent: __typename
  createdAt
  publishers {
    name
    imgUrl
  }
  authors {
    __typename
    id
    name
    slug
    imgUrl
    jobTitle
  }
  ... on Video {
    liveTime
  }
  ... on Webcast {
    liveTime
  }
}

fragment Reactions on Content {
  __isContent: __typename
  id
  reactionGroups {
    reactionType
    reactionsCount
    viewerReacted
  }
}

fragment ReportLink_Content on Content {
  __isContent: __typename
  type
  isPremium
  ... on CompanyReport {
    reportUrl
  }
  ... on ThirdPartyCompanyReport {
    reportUrl
  }
  ... on StockExchangeRelease {
    reportUrl
  }
}

fragment TrendingContent_1jQ2Cn on Query {
  trendingContent(type: ARTICLE) {
    __typename
    id
    title
    lang
    pageUrl
    createdAt
    type
    imgUrl
    companies {
      squareLogoUrl
      name
      id
    }
    authors {
      __typename
      imgUrl
      id
    }
    publishers {
      imgUrl
    }
  }
}


__typename

title

isPremium

lang

htmlBody

summary

companies

createdAt

publishers

authors

reactionGroups

pageUrl

translations

imgUrl

description

Sampo is a Nordic property and casualty insurer operating also in the UK and in the Baltics. In the Nordics, Sampo provides insurance services across all countries, customer segments and products. In the UK, the company offers motor and home insurance for private individuals. The Group is made up of If P&C, Topdanmark, Hastings, and the parent company Sampo plc. Sampo was founded in 1909 and it is headquartered in Helsinki, Finland.

I’ve come across the fact that, for example, at the French insurance giant Axa, the digital figures are about half as high compared to Sampo. In the USA, even lower on average​. It’s hard to find comprehensive and fully comparable data. So, is Sampo already the Lemonade of the Nordics?

However, it should be noted that the true effectiveness of the service will only be tested in a potential claim situation.

Sure, I’m not claiming otherwise. My point was that Lemonade’s product, meaning the app, is very good and easy to use. Especially in a situation where you don’t know the local language. For instance, when I moved to France, it was significantly easier to get insurance from Lemonade than from French companies.

That’s right, and here is a direct quote from the 2025 CEO’s review that Antti just linked here.  The primary driver of our strong organic growth is our modern digital offering – more than 80 percent of new sales in our personal lines businesses take place without physical distribution: directly to the customer in the Nordics, and by utilizing price comparison websites in the UK. In Finland, which is the most digitally advanced market in the Nordics, already 76 percent of sales and 86 percent of claims notifications occur through our digital channels, and we see the other Nordic countries following the same development path. In fact, digital sales to personal customers in the Nordics grew by 15 percent during the year, which allowed us to reach our operational target a year ahead of schedule.  continuation…  As we anticipated, SMEs are following the same trend as personal customers in the adoption of digital services. Digital sales in the Nordic commercial segment grew by 15 percent during the year, and the number of logins to the “My Pages” online service for businesses increased by 27 percent. In total, we gained more than 3,200 new SME customers during the year.  If 80% of Sampo’s sales already take place without physical distribution and as many as 86% of claims are digital, one might think this refutes the assumption that traditional insurance companies are lagging behind in this regard—or at least Sampo?

Yes, you can buy insurance from any insurance company right online without talking to anyone; I believe that if you want to talk or negotiate, you can get to speak with an actual person..

Lemonade’s product is indeed excellent. Insurance is handled easily through the app by talking to an AI bot in your language of choice. Lemonade has a major advantage for foreigners and perhaps young people who prefer apps over human contact?

Sampo’s annual reporting has been completed and published at https://www.sampo.com/fi/sijoittajat/vuosiraportointi/vuosi2025/. It is worth reading through at least the Group CEO’s review, which concisely summarizes the main events of the year.  https://www.sampo.com/fi/sijoittajat/vuosiraportointi/vuosi2025/konsernijohtajan-katsaus-2025/ The Annual General Meeting will be held as usual in April, this year on Wednesday, 22 April. See you there in about 1 month!

Sampo

Sampo plc, annual financial report, 18 March 2026 at 9:30 am EET Sampo Group’s annual reporting for 2025 Sampo has published its Board of Directors’ Report and Financial Statements for 2025 ...

Sampo plc, annual financial report, 18 March 2026 at 9:30 am EET Sampo Group’s annual reporting for 2025 Sampo has published its Board of Directors’ Report and Financial Statements for 2025 and Remuneration Report for Governing Bodies at <a href="https://www.sampo.com/year2025">www.sampo.com/year2025</a>. The Financial Statements are published in accordance with the European Single Electronic Format (ESEF) reporting requirements. The Board of Directors’ Report includes the Corporate Governance Statement and the Sustainability Statement. The Sustainability Statement has been prepared in accordance with the Corporate Sustainability Reporting Directive (CSRD). Group CEO’s Review for 2025 by Morten Thorsrud is available at the same address. Sampo Group’s Solvency and Financial Condition Report will be published in May 2026. The XHTML and PDF files of Sampo’s Board of Directors’ Report and Financial Statements and the Remuneration Report for Governing Bodies are attached to this release. SAMPO PLC Investor Relations and Group Communications For further information, please contact: Mirko Hurmerinta Interim Head of Investor Relations tel. +358 10 516 0032 Distribution: Nasdaq Helsinki Nasdaq Stockholm Nasdaq Copenhagen London Stock Exchange FIN-FSA The principal media <a href="https://www.sampo.com">www.sampo.com</a> Attachments<ul> <li> <a href="https://ml-eu.globenewswire.com/Resource/Download/54ca33d9-52e3-43d7-8730-56c8e8166bfd">743700UF3RL386WIDA22-2025-12-31-1-en</a> </li> <li> <a href="https://ml-eu.globenewswire.com/Resource/Download/8c11224d-e1f9-4408-963c-7c27504eaf2f">Sampo's Board of Directors' Report and Financial Statements 2025</a> </li> <li> <a href="https://ml-eu.globenewswire.com/Resource/Download/dbf26164-6a64-4d03-80cf-9b715f86561c">Sampo's Remuneration Report for Governing Bodies 2025</a> </li> </ul><img alt="" src="https://www.globenewswire.com/newsroom/ti?nf=MTAwMTE3MDc5NiM0MDIzNjAyNTcjMjAwMzA4Nw=="> <img alt="" src="https://ml-eu.globenewswire.com/media/ZjdlZDZjNWQtY2ZjNS00ZjYzLWJlYWQtNGViZTdhYzZkZTcyLTEwMTQ2NjAtMjAyNi0wMy0xOC1lbg==/tiny/Sampo-Oyj.png">