profit from every €100 of sales.
€0€100
Mandatum Oyj
€5.83-0.17% today
-13.2% in 1 year
1-year low €5.391-year high €7.41
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2025.
0%20% a year
You pay €18.81 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Mandatum Oyj sold, what it kept, and what it did with the cash.
Sales went from -€784 million in 2022 to €979 million in 2025, with €156 million of profit last year.
SalesProfit
Mandatum Oyj handed back more cash to shareholders than it generated last year.
€332M
Free cash flow 2025€124M
Bought back its own shares–
Paid as dividends€332M
Cash vs. debt€688M vs. €518M
Mandatum Oyj vs. similar companies
Mandatum Oyj grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Mandatum Oyj | 18.8× · Fair price | ||
 ORIX | 15.9× · Fair price | ||
 Bajaj Finserv | 30.0× · Fair price | ||
 Yuanta Financial | 24.3× · Fair price | ||
 China Galaxy Securities | 10.3× · Cheap |
AI analysis
An AI analyst reads Mandatum Oyj's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -784 | 1,287 | 1,415 | 979 | |
| – | – | – | – | |
| – | – | – | – | |
| 700 | 227 | 224 | 210 | |
| 543 | 161 | 165 | 156 | |
| 1.08 | 0.32 | 0.33 | 0.31 | |
| – | – | – | – | |
| – | – | – | – | |
| -69.2% | 12.5% | 11.7% | 15.9% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 14,848 | 16,343 | 18,053 | 18,812 |
| Cash | 725 | 738 | 890 | 688 |
| Total debt | 371 | 273 | 520 | 518 |
| Total liabilities | 13,156 | 14,744 | 16,451 | 17,382 |
| 1,692 | 1,599 | 1,601 | 1,429 | |
| 502 | 502 | 502 | 503 | |
| 26.8% | 9.5% | 8.3% | 8.4% | |
| 32.1% | 10.0% | 10.3% | 10.9% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -16 | 280 | 72 | 127 | |
| 4 | 6 | 2 | 3 | |
| -20 | 275 | 70 | 124 | |
| Dividends paid | 150 | 150 | 166 | 332 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 18.8×
- –
- –
- 1.9×
- 3.0×
- 5.3%
- 11.3%
Profitability
- 15.9%
- 8.4%
- 13.2%
- –
- –
Growth
- −12.8%
- −1.6%
- –
- +0.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 30%of 851
Bottom 28%of 866
Bottom 10%of 867
Bottom 38%of 926
11.3%of the share price, paid each year
On $1,000 invested$113a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
212.7% of its profit
Room to growStretchedMore than it earns: 268.0%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
51No pass
Benjamin Graham
68Pass
Philip Fisher
55No pass
Peter Lynch
26No pass
Joel Greenblatt
37No pass
Charlie Munger
58No pass
Terry Smith
46No pass
Questions about Mandatum Oyj
Is Mandatum Oyj a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Mandatum Oyj AI analysis
What does Mandatum Oyj do?
Mandatum Oyj provides various financial services in Finland. The company offers asset and wealth management, savings and investment, compensation, and rewards consultation, as well as pension plans and personal risk insurance solutions. It also operates online trading platform. It is in Financial Conglomerates, based in Helsinki, Finland, with 634 employees.
Does Mandatum Oyj pay a dividend?
Yes. At today's price the dividend is 11.3% a year, about 213% of its yearly profit. In 2025 it paid out €332 million in dividends.
Is Mandatum Oyj stock halal?
No. Mandatum Oyj does not pass our halal screen: its main business, financial services, is not permitted. How we check
How has Mandatum Oyj stock done over the past year?
Down 13.2% over the past twelve months, to €5.83. It traded between €5.39 and €7.41 and is 21.3% below its high.
Who are Mandatum Oyj's competitors?
The largest listed companies in the same industry are ORIX, Bajaj Finserv, Yuanta Financial and China Galaxy Securities. The peers table on this page compares their profit, growth and price with Mandatum Oyj's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.