YOLFTbeta
Mandatum Oyj

Mandatum Oyj

MANTA · HE · Financial Services / Financial Conglomerates

5.89EUR+0.06 (+1.03%)

Price History

Full chart

Market Stats

Previous Close5.83
Open5.83
Day Range5.79 – 5.89
52-Week Range5.21 – 6.63
Volume902.39K
Market Cap3.03B
P/E (TTM)26.20
Forward P/E0.00
EPS0.23
Dividend Yield14.11%
Beta0.09
50-Day Avg6.10
200-Day Avg6.26

About

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. The company serves corporate, retail, institutional, and wealth management clients. Mandatum Oyj was founded in 1874 and is headquartered in Helsinki, Finland.

Company Details

  • SectorFinancial Services
  • IndustryFinancial Conglomerates
  • CEOMr. Petri Kalervo Niemisvirta LL.M.
  • Employees632
  • HeadquartersBulevardi 56, Helsinki, Finland, 00120, Finland
  • Websitehttps://www.mandatum.fi

Leadership

  • Mr. Petri Kalervo Niemisvirta LL.M.President & CEO · b. 1970
  • Mr. Matti Ahokas M.Sc.Chief Financial Officer · b. 1972
  • Ms. Sanna Rajaniemi M.Sc.Group COO, Senior VP and Head of Private Customers Alliances, Services & Development - Mandatum Life · b. 1970
  • Mr. Juhani LehtonenCIO and Interim Head of Institutional & Wealth Management · b. 1975
  • Ms. Lotta BorgströmVice President of Investor Relations
  • Niina RiihelaSenior Vice President of Communications, Brand & Sustainability
  • Mr. Ville TalasmakiCIO of Mandatum Asset Management · b. 1975
  • Ms. Tarja Hannele TyniExecutive Vice President of Corporate Clients · b. 1964
  • Ms. Petri VieraankiviExecutive Vice President of Retail Clients · b. 1967
  • Mr. Janne Sarvikivi M.Sc.Executive Vice President of Asset & Wealth Management · b. 1976

Financials

Income Statement

Currency: EUR2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.63B2.99B347.20M333.00M447.00M453.10M
Growth (%)-+83.05%-88.37%-4.09%+34.23%+1.36%
Cost of Revenue-1.13B9.60M11.60M16.00M23.00M
Gross Profit1.63B2.99B337.60M321.40M431.00M430.10M
Gross Margin100.00%100.00%97.24%96.52%96.42%94.92%
Operating Expense-2.98B-343.80M111.00M228.10M248.00M
Operating Income-500.00K681.40M210.40M202.90M182.10M
Operating Margin-0.02%196.26%63.18%45.39%40.19%
EBITDA173.80M265.00M699.60M226.80M223.50M209.80M
EBITDA Margin10.66%8.88%201.50%68.11%50.00%46.30%
Net Income117.00M196.20M542.60M160.70M164.90M156.00M
Net Income Margin7.17%6.57%156.28%48.26%36.89%34.43%
Interest Expense12.40M13.80M9.60M11.60M16.00M23.00M
Interest Expense % of Total Revenue0.76%0.46%2.76%3.48%3.58%5.08%

Balance Sheet

Currency: EUR2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets14.60B16.55B14.85B16.34B18.05B18.81B
Total Liabilities13.02B14.77B13.16B14.74B16.45B17.38B
Total Equity1.58B1.78B1.69B1.60B1.60B1.43B
Cash682.40M918.10M724.60M738.40M890.40M687.60M
Total Debt349.20M545.80M370.60M272.80M320.10M299.10M
Net Debt-333.20M-372.30M-354.00M-465.60M-570.30M-388.50M

Cash Flow

Currency: EUR2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-283.20M397.90M-15.70M280.20M72.10M126.90M
Investing Cash Flow-1.40M-12.30M-11.30M14.20M-2.30M15.30M
Financing Cash Flow14.90M-149.90M-166.50M-280.60M82.10M-345.10M
Capital Expenditure1.40M04.20M5.50M2.30M3.10M
Free Cash Flow-284.60M397.90M-19.90M274.70M69.80M123.80M
Dividends Paid-200.00M150.00M150.00M165.60M331.80M
FCF to OCF100.49%100.00%126.75%98.04%96.81%97.56%
Dividend Paid to FCF-50.26%-753.77%54.61%237.25%268.01%

Earnings

Report DateNov 7, 2023Feb 13, 2024May 8, 2024Aug 13, 2024Nov 12, 2024Feb 13, 2025May 8, 2025Aug 14, 2025Nov 11, 2025Feb 12, 2026May 8, 2026Aug 12, 2026Nov 10, 2026
EPS Estimate0.090.040.100.080.070.070.110.070.070.070.040.080.08
EPS Actual0.140.060.080.120.070.070.100.060.090.060.010.13-
Surprise55.56%50.00%-20.00%50.00%0.00%0.00%-9.09%-14.29%28.57%-14.29%-75.00%62.50%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap3.03B
Enterprise Value2.80B
Trailing P/E26.20
Forward P/E0.00
Price / Sales6.15
Price / Book2.81
EPS0.23
Book Value2.09
Revenue (TTM)493.10M
Gross Profit (TTM)244.10M
EBITDA251.70M
Profit Margin26.20%
Operating Margin56.71%
Return on Equity10.78%
Return on Assets0.84%
Shares Outstanding503.21M
Shares Float430.93M
Beta0.09
Dividend Yield14.11%
Dividend Rate0.85
Payout Ratio4.25%

Dividends

20261×
0.85May 13, 2026
20251×
0.66May 16, 2025
20241×
0.33May 16, 2024