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.
Toivo Group Oyj is a real estate investment and development company based in Finland. The primary function of Toivo Group Oyj is to acquire, develop, and manage real estate properties, focusing on residential, commercial, and logistics sectors. Notable for its comprehensive approach to real estate, the company specializes in creating sustainable and efficient living and working environments, emphasizing high-quality construction and long-term property management. By concentrating on growth areas and increasingly urbanized regions, Toivo Group Oyj plays a crucial role in the Finnish real estate market, contributing to urban development and housing solutions. With a commitment to environmental responsibility, the company integrates eco-friendly practices and technologies in its projects, aligning with growing industry trends towards sustainability. Toivo Group Oyj's operations significantly impact the real estate landscape in Finland, positioning it as a key player in addressing the dynamic needs of modern cities and supporting economic growth through strategically located and responsibly built property developments.
€0.89
+€0.00 (+0.22%)
EOD Jul 2, 2026
Net margin is thin at 6.95%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 55.0% YoY.
At 15x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
15.4x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€62M
▲ +55.0% YoY
Net Income (TTM)
€4M
▲ +484.3% YoY
Net Margin
5.88%
P/E
15.4x
Balance Sheet
Total Assets
€169M
Equity
€74M
Total Debt
€68M
Cash & Equiv.
€13M
3Y CAGR: +44.8%
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At a P/E of 15.4, Toivo Group Oyj (TOIVO.XHEL)'s valuation is best read against its own history, its peers, and the growth its price implies. 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, Toivo Group Oyj scores 35/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Toivo Group Oyj scores 35 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a 10.9% operating margin and a 3.4% 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. you should weigh TOIVO.XHEL's valuation and scores 35/100 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.