Mandatum

HEX:MANTA · FI4000552526

InsuranceSmall

360

Medium confidence — indicative

Value48

Profit price25

EV / EBIT42

Price / Owner Earnings7

Cash yield86

Owner Earnings Yield72

Dividend Yield100

Sales & asset price23

Price/Sales8

EV / Gross Profit11

Price/Book51

Quality—

Returns on capital43

Profit margins92

Cash backing89

Cash Conversion85

Accruals95

Owner Earnings Margin88

Growth32

Sales growth47

Profit growth33

Profit Growth74

Long-Term EPS Growth8

Owner Earnings Growth16

Reinvestment42

Price momentum61

Safety48

Debt load62

Debt serviceability98

Liquidity50

Sentiment28

Analyst ratings1

Expectations trend52

Opinion Changes50

Price Target Upside54

Market mood33

Value Creation6/20not creating value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Mandatum doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Profile

CountryFinland

IndustryInsurance

SizeSmall

TypePublic Company

ExchangeHLSE

Founded2023

Employees439

Websitemandatum.fi

ISINFI4000552526

Last UpdateApr 2, 2026

Indices

OMX 25 (Finland)

Themes

Digital BrokerageFintechEmployee BenefitsInsurtechFinTechInformation TechnologyMarketing

Description

Mandatum Oyj is a financial company that primarily focuses on investment and insurance products. The company offers asset and wealth management, savings and investment, compensation, and rewards services, as well as pension plans and personal risk in…

Analysis

Middle-of-the-road

Mandatum Oyj sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is expensive. The owner-earnings multiple stands at 29.6×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 6/20 on our value-creation score: not creating value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

100

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →