Ovaro Kiinteistosijoitus Oyj (OVARO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Ovaro Kiinteistosijoitus Oyj stock €3.28, price €2.76, upside +18.8%, quality 46 out of 100. Rating: undervalued. Calculated from audited financials with 5 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range €2.11 – €3.73 · fair‑value band €2.29 – €4.10 · the €2.76 price screens below the €3.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.
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Ovaro Kiinteistösijoitus Oyj invests in apartments and commercial premises in Finland. The company owns, develops, buys, rents, and sells apartments, office premises, and commercial and public properties. Ovaro Kiinteistösijoitus Oyj was founded in 2010 and is based in Helsinki, Finland.
Stock analysis
Ovaro Kiinteistosijoitus Oyj (OVARO) currently trades at €2.76, while our model-based Fair Value estimate is €3.28, implying the stock looks roughly 16% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €4.25 per share, and 5 of the 5 models we run sit above the €2.76 price.
Bear case: the Asset-Based group reads lowest at €2.96, and 0 of the 5 models stay below the price. Data coverage for this calculation is low.
Scenario range: €2.29 (bear) to €4.10 (bull), the price of €2.76 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Real Estate sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Ovaro Kiinteistosijoitus Oyj reported revenue of €7.3M in FY2025 versus €8.2M in FY2021, a compound −2.8%/yr. Reported net income was €1.5M in FY2025.
Key figures
Market cap €22.4M Micro · P/S ratio 5.11 · EPS (TTM) €−0.1800 · Dividend yield 4.3% · Net margin −34.2% · Return on equity −3.4% · Return on assets (EBIT) −2.9% (5-year average) · Operating margin −84.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 17 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −16% fair-value upside, at 19%, OVARO screens cheaper than that median.
Fair Value models
Bear€2.29Fair Value €3.28Bull€4.10
Price €2.76 · Upside +18.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.14/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+38.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−5.5%
Start year 2020 (pandemic). Over 10 years: −8.4% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
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What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+38.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+34.0%
Dividend (yield on the price)4.3%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−121% → −2%
2025 sits 154% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
⚠ Revenue per share shrinking 15.0%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Ovaro Kiinteistosijoitus Oyj with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Real Estate Services · 472 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Bottom 25%
Fair Value upside+18.8% · Above median
Profitability
Return on assets1.9% · Below median
Net margin (12 months)−34.2% · Bottom 25%
Operating margin (12 months)−84.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−8.9% · Bottom 25%
Dividend yield (12 months)4.3% · Above median
Balance sheet
Debt / equity0.31× · Below median
Valuation Multiplesvs Real Estate Services median · lower = cheaper
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Is Ovaro Kiinteistosijoitus Oyj (OVARO) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of €3.28 versus a price of €2.76, about +19% upside (undervalued).
What is the fair value of OVARO?
Our model-based fair value for Ovaro Kiinteistosijoitus Oyj is €3.28 (as of Nov 4, 2026), built from audited fundamentals. The current price: €2.76.
What is the quality score of OVARO?
Ovaro Kiinteistosijoitus Oyj has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ovaro Kiinteistosijoitus Oyj (OVARO)?
Our model-based price target is the fair value of €3.28 (as of Nov 4, 2026) from 5 valuation models. Cautious scenario €2.29, optimistic scenario €4.10. It is a calculation from audited fundamentals, not an analyst target.
What is the Ovaro Kiinteistosijoitus Oyj stock forecast for 2026?
Our models put fair value at €3.28, about +19% upside versus a price of €2.76 (undervalued). Cautious scenario €2.29, optimistic scenario €4.10. The calculation is refreshed regularly with new filings.
What is the revenue of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Ovaro Kiinteistosijoitus Oyj reported trailing-twelve-month revenue of about €4.3M (latest available figure, as of Nov 4, 2026).
Does Ovaro Kiinteistosijoitus Oyj pay a dividend?
Ovaro Kiinteistosijoitus Oyj currently shows a dividend yield of 4.35% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Ovaro Kiinteistosijoitus Oyj (OVARO) and when is the ex-dividend date?
Ovaro Kiinteistosijoitus Oyj pays a dividend of €0.12 per share a year, a dividend yield of 4.3%. The last ex-dividend date was Apr 24, 2026. The payout ratio is 66.7% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ovaro Kiinteistosijoitus Oyj it is €3.28 per share (as of Nov 4, 2026), against a price of €2.76. It is the blended result of 5 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Ovaro Kiinteistosijoitus Oyj stock overvalued or undervalued in 2026?
As of Nov 4, 2026, OVARO trades below its calculated fair value: price €2.76, fair value €3.28, a gap of about +19% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OVARO?
No. The price is what the market pays today (€2.76); the fair value is what the company's own numbers justify (€3.28). For Ovaro Kiinteistosijoitus Oyj the two are €0.5200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ovaro Kiinteistosijoitus Oyj worth?
The market values Ovaro Kiinteistosijoitus Oyj at about €22.4M (market capitalisation, as of Nov 4, 2026). Per share that is €2.76; our models calculate a fair value of €3.28 per share.
What do the bullish and bearish scenarios say about OVARO?
Our models span a range for Ovaro Kiinteistosijoitus Oyj: cautious scenario €2.29, base €3.28, optimistic €4.10 per share (as of Nov 4, 2026, price €2.76). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Balance-sheet figures for Ovaro Kiinteistosijoitus Oyj (as of Nov 4, 2026): return on equity −3.4%, debt of 0.31 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is OVARO from its 52-week high?
Ovaro Kiinteistosijoitus Oyj trades at €2.76, about 16% below its 52-week high of €3.30 and 5% above the low of €2.64 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €3.28 is for.
Which stocks are comparable to Ovaro Kiinteistosijoitus Oyj?
From the same area (Real Estate) we also value CBRE Group, Cellnex Telecom, S.A, KE Holdings, Swire Properties Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ovaro Kiinteistosijoitus Oyj stock attractive at the current price?
The data as of Nov 4, 2026: price €2.76, calculated fair value €3.28 (+19%), Quality Score 46/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OVARO calculated?
We run Ovaro Kiinteistosijoitus Oyj through 5 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €3.28 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Ovaro Kiinteistosijoitus Oyj currently trades 16% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The closing price on Nov 6, 2026 was €2.76. Our model-based fair value is €3.28, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ovaro Kiinteistosijoitus Oyj right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Ovaro Kiinteistosijoitus Oyj
How large is the market capitalisation of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The market capitalisation of Ovaro Kiinteistosijoitus Oyj is €22.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The price-to-sales ratio of Ovaro Kiinteistosijoitus Oyj is 5.11 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Earnings per share at Ovaro Kiinteistosijoitus Oyj are €−0.1800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The dividend yield of Ovaro Kiinteistosijoitus Oyj is 4.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The net margin of Ovaro Kiinteistosijoitus Oyj is −34.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The return on equity (ROE) of Ovaro Kiinteistosijoitus Oyj is −3.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ovaro Kiinteistosijoitus Oyj (OVARO)?
On an EBIT basis the return on assets of Ovaro Kiinteistosijoitus Oyj is −2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The operating margin of Ovaro Kiinteistosijoitus Oyj is −84.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ovaro Kiinteistosijoitus Oyj (OVARO)?
Revenue at Ovaro Kiinteistosijoitus Oyj is growing −8.9% versus a year earlier (3y avg +10.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ovaro Kiinteistosijoitus Oyj (OVARO)?
Earnings per share at Ovaro Kiinteistosijoitus Oyj are growing −69.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ovaro Kiinteistosijoitus Oyj (OVARO) generate?
The free cash flow of Ovaro Kiinteistosijoitus Oyj is −€6.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Ovaro Kiinteistosijoitus Oyj (OVARO) carry?
The net debt of Ovaro Kiinteistosijoitus Oyj is €11.4M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 4, 2026