Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Lumo Kodit Oyj is a private residential real estate investment company headquartered in Helsinki, Finland. The company owns and operates a diversified portfolio of residential apartments and commercial properties throughout Finland, with a strong presence in major urban centers including Helsinki, Tampere, Turku, Kuopio, Lahti, Oulu, and Jyväskylä. The company operates through two segments: Lumo, which manages market-rate apartments free from state-subsidized housing restrictions, and VVO, which operates rent-controlled apartments subject to government housing regulations. In addition to apartment rentals, Lumo Kodit Oyj provides supplementary housing services to tenants and offers ancillary services including broadband internet connections and car sharing options. Founded in 1969, the company serves as a significant participant in Finland's private rental housing market, balancing commercial and socially-oriented housing objectives through its dual operational segments.
€7.76
+€0.19 (+2.44%)
EOD Jul 2, 2026
59.18% operating margin is above average. ROIC at 2.90%. Note that capital returns lag the margin, the business may be capital-intensive despite high margins.
Revenue growth slowed to 0.6%, essentially flat. This is a business that needs a catalyst.
At 155x earnings, the current multiple leaves limited room for execution misses or growth deceleration. Net debt of €3.15B represents 21.0x FCF, leverage limits flexibility.
155.3x earnings, 17.3x FCF. The market is pricing in years of above-average growth. If that thesis breaks, downside from multiple compression alone could be 30%+. This is a stock where you're paying for the future, not the present.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€452M
▲ +0.6% YoY
Net Income (TTM)
€13M
▼ -1.9% YoY
Op. Margin
58.78%
▲ +0.6pp YoY
ROIC
2.90%
Cash Flow & Balance Sheet
FCF (TTM)
€108M
▼ -5.0% YoY
Op. Cash Flow (TTM)
€108M
▼ -5.1% YoY
Net Debt
€3.15B
Cash & Equiv.
€239M
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At a P/E of 155.3 and a price-to-free-cash-flow of 17.3, Lumo Kodit Oyj (LUMO.XHEL) trades above a two-stage DCF intrinsic value of about €-5.34 per share, so at €7.76 the stock looks overvalued (168.8% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Lumo Kodit Oyj scores 38/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €-5.34 per share for LUMO.XHEL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €-4.01. At today's €7.76, that puts the stock about 168.8% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Lumo Kodit Oyj scores 38 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a 58.8% operating margin and a 2.9% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. LUMO.XHEL currently trades above its estimated intrinsic value and scores 38/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.