Aallon Group Oyj (AALLON) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Aallon Group Oyj €12.72, price €9.02, upside +41.0%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €7.45 – €11.50 · fair‑value band €8.90 – €16.53 · the €9.02 price screens below the €12.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Aallon Group Oyj provides accounting services in Finland.
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Aallon Group Oyj provides accounting services in Finland. The company offers financial management services, including outsourced financial management, company accounting, association accounting, and foundation accounting; payroll and HR solutions, such as payroll as a service, electronic payroll administration, and HR solutions and system; outsourced CFO, business support, financial statement analysis, performance coach, budget tool, customized CFO and controller services, and customized reports and Bl systems; and legal services, tax advice, and corporate restructuring, and acquisitions services. It serves construction, expert services, tourism and hospitality, service, real estate, wholesale, transport sector, and care services sectors. Aallon Group Oyj was incorporated in 2018 and is based in Helsinki, Finland.
Stock analysis
Aallon Group Oyj (AALLON) currently trades at €9.02, while our model-based Fair Value estimate is €12.72, implying the stock looks roughly 29.1% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €17.12 per share, and 18 of the 26 models we run sit above the €9.02 price.
Bear case: the Asset-Based group reads lowest at €2.89, and 8 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: €8.90 (bear) to €16.53 (bull), the price of €9.02 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 59/100 (solid quality), in the Industrials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Aallon Group Oyj reported revenue of €39.6M in FY2025 versus €24.5M in FY2021, a compound +12.7%/yr. Reported net income was €2.3M in FY2025, compounding +25.6%/yr from FY2021.
Key figures
Market cap €34.5M · P/E ratio 14.8 · P/S ratio 0.86 · EPS (TTM) €0.6100 · Dividend yield 2.7% · Net margin 5.8% · Return on equity 14.3% · Return on assets (EBIT) 8.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 0% fair-value upside, at 41%, AALLON screens cheaper than that median.
Fair Value models
Bear €8.90Fair Value €12.72Bull €16.53
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.2717 per share) are deliberately not added.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.Evidence ⓘEvidence = 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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.9%
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.
+10.6%
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.
+16.7%
Start year 2020 (pandemic)
Revenue growth 8 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.
+13.5%
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What shareholders gained per year (last 5 years) ⓘ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.
+22.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.8%
Dividend (yield on the price)2.7%
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.8% → 8%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−1.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about −4.0% a year for the price.
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.Specialty Business Services · 248 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+41% · Above median
Profitability
Return on equity (TTM)14% · Above median
Return on assets5% · Above median
Net margin (TTM)6% · Above median
Operating margin (TTM)5% · Below median
Growth and dividend
Revenue growth12% · Above median
Dividend yield (TTM)2.7% · Below median
Balance sheet
Debt / equity0.22× · Above median
Valuation Multiplesvs Specialty Business Services median · lower = cheaper
P/E (TTM)14.8× · Cheaper than median
P/B2.38× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
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). "Aallon Group Oyj Fair Value". https://www.fairvalue-calculator.com/stock/AALLON
Frequently asked questions
Is Aallon Group Oyj (AALLON) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €12.72 versus a price of €9.02, about +41% upside (undervalued).
What is the fair value of AALLON?
Our model-based fair value for Aallon Group Oyj is €12.72 (as of Sep 23, 2026), built from audited fundamentals. The current price: €9.02.
What is the quality score of AALLON?
Aallon Group Oyj has a Quality Score of 59/100. 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 Aallon Group Oyj (AALLON)?
Our model-based price target is the fair value of €12.72 (as of Sep 23, 2026) from 26 valuation models. Cautious scenario €8.90, optimistic scenario €16.53. It is a calculation from audited fundamentals, not an analyst target.
What is the Aallon Group Oyj stock forecast for 2026?
Our models put fair value at €12.72, about +41% upside versus a price of €9.02 (undervalued). Cautious scenario €8.90, optimistic scenario €16.53. The calculation is refreshed regularly with new filings.
What is the revenue of Aallon Group Oyj (AALLON)?
Aallon Group Oyj reported trailing-twelve-month revenue of about €39.6M (latest available figure, as of Sep 23, 2026).
Does Aallon Group Oyj pay a dividend?
Aallon Group Oyj currently shows a dividend yield of about 2.66% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Aallon Group Oyj (AALLON)?
For today's price to be fair in a discounted-cash-flow model, Aallon Group Oyj would have to grow free cash flow by -1.9 % per year for five years (discount rate 8.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +16.7 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of AALLON use?
Our models discount Aallon Group Oyj at 8.6 %: a base by market capitalisation (nano), damped by beta 0.34, country premium for Finland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Aallon Group Oyj that is -1.9 % per year a year over ten years, using the same discount rate (8.6 %) and the same formula as our fair value.
How much growth has Aallon Group Oyj (AALLON) delivered so far?
Over the past 5 years revenue at Aallon Group Oyj grew +16.7 % a year. The price currently implies -1.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Aallon Group Oyj (AALLON) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Aallon Group Oyj (-1.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Aallon Group Oyj (AALLON)?
The free-cash-flow yield on the price is 9.16 %: that much free cash flow Aallon Group Oyj produces per unit of market value. When it exceeds the discount rate of our models (8.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Aallon Group Oyj (AALLON)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Aallon Group Oyj it is €12.72 per share (as of Sep 23, 2026), against a price of €9.02. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Aallon Group Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, AALLON trades below its calculated fair value: price €9.02, fair value €12.72, a gap of about +41% (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 AALLON?
No. The price is what the market pays today (€9.02); the fair value is what the company's own numbers justify (€12.72). For Aallon Group Oyj the two are €3.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is Aallon Group Oyj worth?
The market values Aallon Group Oyj at about €34.5M (market capitalisation, as of Sep 23, 2026). Per share that is €9.02; our models calculate a fair value of €12.72 per share.
What do the bullish and bearish scenarios say about AALLON?
Our models span a range for Aallon Group Oyj: cautious scenario €8.90, base €12.72, optimistic €16.53 per share (as of Sep 23, 2026, price €9.02). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AALLON?
Aallon Group Oyj trades at a price-to-earnings ratio of 14.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €12.72 is built from several models across several years. Other multiples: P/B 2.4, P/S 1.0, EV/EBITDA 9.1.
How solid is the balance sheet of Aallon Group Oyj (AALLON)?
Balance-sheet figures for Aallon Group Oyj (as of Sep 23, 2026): return on equity 14.3%, debt of 0.22 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is AALLON from its 52-week high?
Aallon Group Oyj trades at €9.02, about 18% below its 52-week high of €11.06 and 6% above the low of €8.54 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €12.72 is for.
Which stocks are comparable to Aallon Group Oyj?
From the same area (Industrials) we also value Cintas Corporation, Thomson Reuters Corporation, Copart, Inc, Global Payments 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 Aallon Group Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €9.02, calculated fair value €12.72 (+41%), Quality Score 59/100, from 26 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 AALLON calculated?
We run Aallon Group Oyj through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €12.72, 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 14.0 % above its aggregate fair value. Aallon Group Oyj currently trades 41 % 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 Aallon Group Oyj (AALLON)?
The closing price on Sep 24, 2026 was €9.02. Our model-based fair value is €12.72, about +41% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aallon Group Oyj right now?
Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (€8.90 to €16.53) leaves room in how you read the outcome.
Key figures of Aallon Group Oyj
How large is the market capitalisation of Aallon Group Oyj (AALLON)?
The market capitalisation of Aallon Group Oyj is €34.5M. 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 Aallon Group Oyj (AALLON)?
The price-to-sales ratio of Aallon Group Oyj is 0.86 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Aallon Group Oyj (AALLON)?
Earnings per share at Aallon Group Oyj are €0.6100 (price ÷ EPS = P/E 14.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Aallon Group Oyj (AALLON)?
The dividend yield of Aallon Group Oyj is 2.7% (payout 39.3%). 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 Aallon Group Oyj (AALLON)?
The net margin of Aallon Group Oyj is 5.8% (fiscal year 2025). 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 Aallon Group Oyj (AALLON)?
The return on equity (ROE) of Aallon Group Oyj is 14.3% (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 Aallon Group Oyj (AALLON)?
On an EBIT basis the return on assets of Aallon Group Oyj is 8.7% (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 Aallon Group Oyj (AALLON)?
The operating margin of Aallon Group Oyj is 5.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aallon Group Oyj (AALLON)?
Revenue at Aallon Group Oyj is growing +11.5% versus a year earlier (3y avg +10.6%). 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 Aallon Group Oyj (AALLON)?
Earnings per share at Aallon Group Oyj are growing +17.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Aallon Group Oyj (AALLON) carry?
The net debt of Aallon Group Oyj is €7.3M (fiscal year 2025, ≈ 2.3 yrs of FCF). 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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