MANDF Stock Financial Analysis - Mandatum Oyj (OTCPK) Stock

Overview

Mandatum Oyj, based in Finland, operates within the financial services industry with a robust focus on life insurance and wealth management solutions. Notably, the company is a subsidiary of the esteemed Sampo Group, which enhances its reach and financial stability. Mandatum Oyj is renowned for its tailored life insurance products and services designed to address the varied needs of individual and corporate clients. Key projects include innovative pension savings solutions and comprehensive asset management, emphasizing sustainable investment options to meet the growing demand for ethical financial products. The firm leverages advanced technology to improve customer service and operational efficiency, positioning itself as a resilient player in the Nordic financial market.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Mandatum Oyj as of June 30, 2025 is 502.80 MM.
The operating income for Mandatum Oyj as of June 30, 2025 is 221.20 MM.
The net income for Mandatum Oyj as of June 30, 2025 is 148.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	502.80	221.20	148.00
2025-03-31	551.90	261.30	177.50
2024-12-31	594.30	301.70	164.90
2024-09-30	648.20	333.60	161.30
2024-06-30	685.10	370.60	193.10
2024-03-31	656.70	342.50	174.80
2023-12-31	629.50	312.30	160.70
2023-09-30	521.90	207.00	134.50
2023-06-30	589.40	280.20	193.40
2023-03-31	870.20	515.90	375.90
2022-12-31	1,068.50	693.00	542.60
2022-09-30	-5,688.60	-706.40	-783.10
2022-06-30	-3,485.10	-320.30	-392.20
2022-03-31	-610.80	-19.60	-67.30
2021-12-31	3,184.90	260.00	196.30
2020-12-31	1,663.20	166.30	117.00

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	0.33
2024-09-30	0.31	0.31
2024-06-30	0.38	0.38
2024-03-31	0.35	0.35
2023-12-31	0.32
2023-09-30	-0.75	-0.75
2023-06-30
2023-03-31
2022-12-31	0.12	0.12
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2020-12-31

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Mandatum Oyj as of June 30, 2025 is 132.80 MM.
The cash from investing activities for Mandatum Oyj as of June 30, 2025 is 0.60 MM.
The cash from financing activities for Mandatum Oyj as of June 30, 2025 is -294.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	132.80	0.60	-294.00
2025-03-31	-90.30	-2.30	81.70
2024-12-31	72.10	-2.30	82.10
2024-09-30	160.40	-7.90	332.80
2024-06-30	9.20	-5.60	-69.00
2024-03-31	143.00	14.10	-101.50
2023-12-31	280.20	14.20	-280.60
2023-09-30	286.00	16.00	-280.50
2023-06-30	321.80	15.50	-180.50
2023-03-31	231.00	-4.00	-180.50
2022-12-31	-15.70	-11.30	-166.50
2022-09-30	-985.20	-2,117.90	1,240.90
2022-06-30	-958.20	-1,395.90	625.30
2022-03-31	-356.60	-37.80	-459.30
2021-12-31	397.90	-12.30	-149.90
2020-12-31	-283.20	-1.40	14.80

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2020-12-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2020-12-31

Management Effectiveness

The roa for Mandatum Oyj as of June 30, 2025 is 0.01.
The roe for Mandatum Oyj as of June 30, 2025 is 0.12.
The roic for Mandatum Oyj as of June 30, 2025 is 0.08.
The croic for Mandatum Oyj as of June 30, 2025 is -0.00.
The ocroic for Mandatum Oyj as of June 30, 2025 is -0.04.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.12	0.08	-0.00	-0.04
2025-03-31	0.01	0.10	0.09	0.08	0.04
2024-12-31	0.01	0.10	0.08	0.23	0.17
2024-09-30	0.01	0.12	0.11	-0.04	0.12
2024-06-30		0.11
2024-03-31		0.12
2023-12-31		-0.03	-0.15	0.01
2023-09-30	-0.00	-0.02
2023-06-30	-0.00	-0.02
2023-03-31	-0.00	-0.00
2022-12-31			-0.02	-0.39	-0.11
2022-09-30		-0.10	-0.01	-0.28	-0.08
2022-06-30	0.00	0.04	0.00	-0.16	-0.06
2022-03-31	0.01	0.13	0.01	-0.03	0.02
2021-12-31	0.01	0.12	0.11	0.13	0.23
2020-12-31			0.07	-0.17	-0.18

Gross Margins

The gross margin for Mandatum Oyj as of June 30, 2025 is 0.56.
The net margin for Mandatum Oyj as of June 30, 2025 is 0.29.
The operating margin for Mandatum Oyj as of June 30, 2025 is 0.53.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.56	0.29	0.53
2025-03-31	0.54	0.27	0.50
2024-12-31	0.47	0.29	0.43
2024-09-30	0.50	0.33	0.47
2024-06-30
2024-03-31
2023-12-31
2023-09-30	-0.26	-1.27	-1.34
2023-06-30	-0.26	-1.27	-1.34
2023-03-31	0.47	-0.02	0.05
2022-12-31	-0.26	0.12	-0.13
2022-09-30	-0.26	0.12	-0.13
2022-06-30	-0.89	-0.13	-0.61
2022-03-31	0.29	0.10	0.18
2021-12-31	0.13	0.06	0.08
2020-12-31	0.18	0.07	0.10

IT:1MANT	€5.83
GB:0MAN
GB:MANTAH
DE:N2S
FI:MANTA	€5.87