Springvest Oyj (SPRING) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Springvest Oyj stock €2.16, price €8.06, that is 73.2% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 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 9, 2026.
How to read this chart
59‑month range €3.29 – €12.30 · fair‑value band €1.62 – €2.98 · the €8.06 price screens above the €2.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Springvest Oyj is an investment service company, operate as an organise funding rounds, brokered and offer investment opportunities in unlisted companies. The company was incorporated in 2012 and is based in Helsinki, Finland.
Stock analysis
Springvest Oyj (SPRING) currently trades at €8.06, while our model-based Fair Value estimate is €2.16, 73% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of €6.16 per share, and 0 of the 9 models we run sit above the €8.06 price.
Bear case: the DCF Models group reads lowest at €1.84, and 9 of the 9 models stay below the price. Data coverage for this calculation is high.
Scenario range: €1.62 (bear) to €2.98 (bull), the price of €8.06 sits above 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 Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Springvest Oyj reported revenue of €5.9M in FY2025 versus €4.0M in FY2021, a compound +10.0%/yr. Reported net income was €934K in FY2025, compounding +33.3%/yr from FY2021.
Key figures
Market cap €44.9M Micro · P/E ratio 57.6 · P/S ratio 7.40 · EPS (TTM) €0.1400 · Dividend yield 2.5% · Net margin 13.4% · Return on equity 3.5% · Return on assets (EBIT) 3.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 34% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at −73%, SPRING screens richer than that median.
Fair Value models
Bear€1.62Fair Value €2.16Bull€2.98
Price €8.06 · Downside -73.2%
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.54/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−15.5%
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.
+15.9%
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.
+12.7%
Start year 2020 (pandemic)
Revenue growth 6 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.
+13.4%
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’25
What shareholders gained per year (last 5 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 5 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.
+18.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.0%
Dividend (yield on the price)2.5%
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.23% → 21%
2025 sits 56% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Price, fair value, quality and upside side by side.
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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.Asset Management · 587 stocks
Beats the industry median on 0/12 measures
Overall it trails its industry peers.
Valuation
Quality Score46 · Bottom 25%
Fair Value upside−73.2% · Bottom 25%
Profitability
Return on equity (12 months)3.5% · Below median
Return on assets3.3% · Below median
Net margin (12 months)13.4% · Below median
Operating margin (12 months)14.5% · Below median
Growth and dividend
Revenue growth (quarter YoY)6.9% · Below median
Dividend yield (12 months)2.5% · Below median
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (12 months)57.6× · Priciest 25%
P/B2.00× · Priciest 25%
P/S (12 months)7.40× · Pricier than median
EV/EBITDA40.7× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 57
FUTURE (revenue growth)35· sector 38
PAST (return on equity)14· sector 29
HEALTH (low debt)0· sector 96
DIVIDEND (yield)50· sector 80
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Springvest Oyj Fair Value". https://www.fairvalue-calculator.com/stock/SPRING
Frequently asked questions
Is Springvest Oyj (SPRING) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of €2.16 versus a price of €8.06, about 73% lower (overvalued).
What is the fair value of SPRING?
Our model-based fair value for Springvest Oyj is €2.16 (as of Nov 9, 2026), built from audited fundamentals. The current price: €8.06.
What is the quality score of SPRING?
Springvest 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 Springvest Oyj (SPRING)?
Our model-based price target is the fair value of €2.16 (as of Nov 9, 2026) from 9 valuation models. Cautious scenario €1.62, optimistic scenario €2.98. It is a calculation from audited fundamentals, not an analyst target.
What is the Springvest Oyj stock forecast for 2026?
Our models put fair value at €2.16, about 73% lower versus a price of €8.06 (overvalued). Cautious scenario €1.62, optimistic scenario €2.98. The calculation is refreshed regularly with new filings.
What is the revenue of Springvest Oyj (SPRING)?
Springvest Oyj reported trailing-twelve-month revenue of about €6.1M (latest available figure, as of Nov 9, 2026).
Does Springvest Oyj pay a dividend?
Springvest Oyj currently shows a dividend yield of 2.48% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Springvest Oyj (SPRING) and when is the ex-dividend date?
Springvest Oyj pays a dividend of €0.2 per share a year, a dividend yield of 2.5%. The last ex-dividend date was Mar 13, 2026. A dividend has been paid every year since at least 2021. The payout ratio is 143% of earnings. Our assessment: Pays more than it earns. The company pays out more in dividends than it earns, and free cash flow clearly does not cover the dividend either. It may need to be cut unless profits recover.
What is the intrinsic value of Springvest Oyj (SPRING)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Springvest Oyj it is €2.16 per share (as of Nov 9, 2026), against a price of €8.06. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Springvest Oyj stock overvalued or undervalued in 2026?
As of Nov 9, 2026, SPRING trades above its calculated fair value: price €8.06, fair value €2.16, a gap of about −73% (overvalued). 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 SPRING?
No. The price is what the market pays today (€8.06); the fair value is what the company's own numbers justify (€2.16). For Springvest Oyj the two are €5.90 per share apart. That gap is exactly why we show both numbers side by side.
How much is Springvest Oyj worth?
The market values Springvest Oyj at about €44.9M (market capitalisation, as of Nov 9, 2026). Per share that is €8.06; our models calculate a fair value of €2.16 per share.
What do the bullish and bearish scenarios say about SPRING?
Our models span a range for Springvest Oyj: cautious scenario €1.62, base €2.16, optimistic €2.98 per share (as of Nov 9, 2026, price €8.06). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SPRING?
Springvest Oyj trades at a price-to-earnings ratio of 57.6 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €2.16 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 40.9. Other multiples: P/B 2.0, P/S 7.4, EV/EBITDA 40.7.
How solid is the balance sheet of Springvest Oyj (SPRING)?
Balance-sheet figures for Springvest Oyj (as of Nov 9, 2026): return on equity 3.5%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is SPRING from its 52-week high?
Springvest Oyj trades at €8.06, about 34% below its 52-week high of €12.30 and 25% above the low of €6.45 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €2.16 is for.
Which stocks are comparable to Springvest Oyj?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Asset Management Ltd, KKR & Co, Apollo Global Management, Inc, 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 Springvest Oyj stock attractive at the current price?
The data as of Nov 9, 2026: price €8.06, calculated fair value €2.16 (−73%), Quality Score 46/100, from 9 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 SPRING calculated?
We run Springvest Oyj through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €2.16 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. Springvest Oyj itself currently trades above fair value. 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 Springvest Oyj (SPRING)?
The closing price on Nov 6, 2026 was €8.06. Our model-based fair value is €2.16, about 73% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Springvest Oyj right now?
The price sits above even our optimistic bull case (€2.98). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (€1.62 to €2.98) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Springvest Oyj
How large is the market capitalisation of Springvest Oyj (SPRING)?
The market capitalisation of Springvest Oyj is €44.9M. 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 Springvest Oyj (SPRING)?
The price-to-sales ratio of Springvest Oyj is 7.40 (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 Springvest Oyj (SPRING)?
Earnings per share at Springvest Oyj are €0.1400 (price ÷ EPS = P/E 57.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Springvest Oyj (SPRING)?
The dividend yield of Springvest Oyj is 2.5% (payout 143%). 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 Springvest Oyj (SPRING)?
The net margin of Springvest Oyj is 13.4% (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 Springvest Oyj (SPRING)?
The return on equity (ROE) of Springvest Oyj is 3.5% (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 Springvest Oyj (SPRING)?
On an EBIT basis the return on assets of Springvest Oyj is 3.9% (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 Springvest Oyj (SPRING)?
The operating margin of Springvest Oyj is 14.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Springvest Oyj (SPRING)?
Revenue at Springvest Oyj is growing +6.9% versus a year earlier (3y avg +15.9%). 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 Springvest Oyj (SPRING)?
Earnings per share at Springvest Oyj are growing −22.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Springvest Oyj (SPRING) generate?
The free cash flow of Springvest Oyj is −€117K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Broad data
Nov 9, 2026