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.
Talenom Plc is a Finnish financial services company that combines an accounting firm with proprietary financial management software for entrepreneurs. Founded in 1972 and headquartered in Oulu, Finland, the company focuses on small and medium-sized enterprises, providing accounting, payroll, and electronic financial management solutions. Talenom delivers its services through highly automated, user-friendly digital tools that streamline core processes such as invoicing, payments, receipt handling, reporting, and payroll administration. In addition to core bookkeeping, it offers taxation, legal and advisory services, as well as various banking and payment-related services, giving clients an integrated financial operations environment. Operating primarily in Finland, Sweden, Spain and Italy, Talenom serves businesses across a broad range of industries, positioning itself as a comprehensive financial management partner. Its role in the market centers on enabling entrepreneurs to access timely, reliable financial information and expert support, helping them manage regulatory obligations and everyday financial routines more efficiently.
€1.14
€0.02 (-1.90%)
EOD Jul 2, 2026
Operating margin is thin at 7.86%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue grew 3.2%, steady but not accelerating.
Net debt of €98M represents 5.3x FCF, leverage limits flexibility.
1.9x earnings, 2.8x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€109M
▲ +3.2% YoY
Net Income (TTM)
€28M
▼ -92.4% YoY
Op. Margin
6.48%
▲ +1.8pp YoY
ROIC
5.68%
▲ +1.3pp YoY
Cash Flow & Balance Sheet
FCF (FY)
€18M
▲ +43.5% YoY
Op. Cash Flow (FY)
€20M
▲ +41.3% YoY
Net Debt
€98M
Cash & Equiv.
€7M
3Y CAGR: +2.2%
3Y CAGR: +8.4%
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At a P/E of 1.9 and a price-to-free-cash-flow of 2.8, Talenom (TNOM.XHEL) trades below a two-stage DCF intrinsic value of about €8.63 per share, so at €1.14 the stock looks undervalued (659.8% below 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, Talenom scores 39/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 17.6%; see dividend safety for coverage and history. 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 €8.63 per share for TNOM.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 €6.47. At today's €1.14, that puts the stock about 659.8% below 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.
Talenom scores 39 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 6.5% operating margin and a 5.7% 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.
Yes, Talenom pays a regular dividend of about €0.20 per share per year (typically in quarterly installments), a yield of roughly 17.6% at the current price. That is a payout ratio of about 32.9% of earnings, so the dividend is amply covered by earnings. Talenom has grown the dividend at roughly 8.8% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For TNOM.XHEL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. TNOM.XHEL currently trades below its estimated intrinsic value and scores 39/100 on quality (lower-quality). It also yields about 17.6%. 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.