About S Group
For Investors
Breadcrumb
Network of cooperative companies
S Group is a customer-owned Finnish network of companies in the retail and service sectors, with approximately 2,000 outlets.S Group consists of 19 independent regional cooperatives and SOK (The Central Finnish Cooperative Society) with its subsidiaries. In addition, S Group includes five local cooperatives.We operate in the grocey and non-food retail, the specialty retail, the service station stores and fuel sales and the travel industry and hospitality business. S Group also provide comprehensive banking services through S-Bank.The customer is the owner
Cooperatives are enterprises operating in accordance with the principles of cooperative activities, such as open membership, democracy and equality, as well as bonuses for co-op members and the distribution of the surplus.Cooperatives’ owners are also their customers, or co-op members. All co-op members own an equal share of their cooperative. The purpose of our operations is to profitably provide our co-op members with competitive services and benefits.The structure of S Group
S Group in numbers (2025)
87%
of Finnish households are co-op members
4
million S-Etukortti Cards (Loyalty cards)
2.7
million co-op members*
*members of regional cooperatives€558
million in monetary benefits to members per year
Most of the financial benefits we pay to our co-op members consist of Bonus benefits.2,059
outlets
Our network of locations covers the whole of Finland. The number of outlets does not include restaurants located within the same premises as other outlets.41,619
employees
We are the largest private employer in Finland, with a diverse group of experts in various fields.
Market leader with stable profitability
Our network extends throughout Finland. We are market leader in Finnish grocery trade and a top player in other domains as well.Stable profitability is a permanent priority for us. Thanks to that, we have had the chance to lower our prices and offer benefits for our owners. We have made significant investments in energy efficiency and logistics, for example, to ensure our profitability in the future.A well performing portfolio
#1
in grocery retail
#1
in consumer goods retail
#1
in fuels retail and service stations
(estimate)#1
in hotels
#1
in restaurants
#1
in specialty retail
4th
largest bank for private customers
(in Finland in terms of housing loans and deposits)
S Group's key financial figures
Below: The combined figures of SOK Corporation and Regional cooperatives are unaudited and presented for illustrative purposes only.S Group's key financial figures
- Retail sales excluding taxes by business area 2025, %
- Grocery and non-food retail76%
- Fuels retail and service stations13%
- Travel industry and hospitality business6%
- Others3%
- Specialty retail2%
Retail sales excluding taxes by business area 2025, %, data as a table Retail sales excluding taxes by business area % Grocery and non-food retail 76 Fuels retail and service stations 13 Travel industry and hospitality business 6 Others 3 Specialty retail 2 - Retail sales excluding taxes by geographic location 2025, %
- Finland98%
- Estonia2%
Retail sales excluding taxes by geographic location 2025, %, data as a table Retail sales excluding taxes by geographic location 2025 % Finland 98 Estonia 2