SRV Yhtiöt Oyj (B7J) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of SRV Yhtiöt Oyj stock €15.56, price €7.90, upside +97.0%, quality 46 out of 100. Rating: strongly undervalued. Calculated from audited financials with 24 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 8, 2026.
How to read this chart
60‑month range €3.20 – €16.79 · fair‑value band €11.67 – €19.45 · the €7.90 price screens below the €15.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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SRV Yhtiöt Oyj, a construction company, engages in the development, construction, and commercialization of various projects in Finland, Russia, and Estonia.
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It develops and builds housing, business premise, infrastructure, logistics center, underground, and other special premise construction activities, as well as develops and constructs shopping centers, commercial premises, offices, hotels, and various production and logistics facilities.
The company also provides renovation construction services, as well as designs, builds, and maintains energy and carbon-neutral buildings. In addition, it focuses on the management and realization of the company's real estate investments.
The company was founded in 1987 and is headquartered in Espoo, Finland.
Stock analysis
SRV Yhtiöt Oyj (B7J) currently trades at €7.90, while our model-based Fair Value estimate is €15.56, implying the stock looks roughly 49% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €17.53 per share, and 17 of the 24 models we run sit above the €7.90 price.
Bear case: the Asset-Based group reads lowest at €6.20, and 7 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €11.67 (bear) to €19.45 (bull), the price of €7.90 sits below 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 Industrials sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
SRV Yhtiöt Oyj reported revenue of €706M in FY2025 versus €933M in FY2021, a compound −6.7%/yr. Reported net income was €15.5M in FY2025.
Key figures
Market cap €107M Micro · P/S ratio 0.17 · EPS (TTM) €−0.5960 · Dividend yield 2.6% · Net margin −1.8% · Return on equity −8.2% · Return on assets (EBIT) 1.1% (5-year average) · Operating margin 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 94% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −33% fair-value upside, at 97%, B7J screens cheaper than that median.
Fair Value models
Bear€11.67Fair Value €15.56Bull€19.45
Price €7.90 · Upside +97.0%
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.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−5.4%
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.
−2.9%
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.
−6.3%
Start year 2020 (pandemic). Over 10 years: −0.2% a year
Revenue growth 22 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.
+4.4%
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Profit margin (trend) ⓘ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.
−0.7% (2019) → 1.6% (2024)
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+2.0%
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 −0.2% 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.Construction & Engineering · 19 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score46 · Above median
Fair Value upside+97.0% · Top 25%
Profitability
Return on assets3.1% · Above median
Net margin (12 months)−1.8% · Bottom 25%
Operating margin (12 months)0.8% · Below median
Growth and dividend
Revenue growth (quarter YoY)20.8% · Top 25%
Balance sheet
Debt / equity0.19× · Highest 25%
Valuation Multiplesvs Construction & Engineering median · lower = cheaper
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Is SRV Yhtiöt Oyj (B7J) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of €15.56 versus a price of €7.90, about +97% upside (undervalued).
What is the fair value of B7J?
Our model-based fair value for SRV Yhtiöt Oyj is €15.56 (as of Nov 8, 2026), built from audited fundamentals. The current price: €7.90.
What is the quality score of B7J?
SRV Yhtiöt 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 SRV Yhtiöt Oyj (B7J)?
Our model-based price target is the fair value of €15.56 (as of Nov 8, 2026) from 24 valuation models. Cautious scenario €11.67, optimistic scenario €19.45. It is a calculation from audited fundamentals, not an analyst target.
What is the SRV Yhtiöt Oyj stock forecast for 2026?
Our models put fair value at €15.56, about +97% upside versus a price of €7.90 (undervalued). Cautious scenario €11.67, optimistic scenario €19.45. The calculation is refreshed regularly with new filings.
What is the revenue of SRV Yhtiöt Oyj (B7J)?
SRV Yhtiöt Oyj reported trailing-twelve-month revenue of about €639M (latest available figure, as of Nov 8, 2026).
Does SRV Yhtiöt Oyj pay a dividend?
SRV Yhtiöt Oyj currently shows a dividend yield of 2.60% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of SRV Yhtiöt Oyj (B7J)?
SRV Yhtiöt Oyj has a dividend yield of 2.6%.
What growth is priced into SRV Yhtiöt Oyj (B7J)?
For today's price to be fair in a discounted-cash-flow model, SRV Yhtiöt Oyj would have to grow free cash flow by +2.0 % per year for five years (discount rate 13.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -6.3 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of B7J use?
Our models discount SRV Yhtiöt Oyj at 13.1 %: a base by market capitalisation (micro), damped by beta 1.18, country premium for Germany. 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 SRV Yhtiöt Oyj that is +2.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (13.1 %) and the same formula as our fair value.
How much growth has SRV Yhtiöt Oyj (B7J) delivered so far?
Over the past 5 years revenue at SRV Yhtiöt Oyj grew -6.3 % a year. The price currently implies free-cash-flow growth of +2.0 % per 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 SRV Yhtiöt Oyj (B7J) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into SRV Yhtiöt Oyj (+2.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SRV Yhtiöt Oyj (B7J)?
The free-cash-flow yield on the price is 7.82 %: that much free cash flow SRV Yhtiöt Oyj produces per unit of market value. When it exceeds the discount rate of our models (13.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SRV Yhtiöt Oyj (B7J)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SRV Yhtiöt Oyj it is €15.56 per share (as of Nov 8, 2026), against a price of €7.90. It is the blended result of 24 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is SRV Yhtiöt Oyj stock overvalued or undervalued in 2026?
As of Nov 8, 2026, B7J trades below its calculated fair value: price €7.90, fair value €15.56, a gap of about +97% (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 B7J?
No. The price is what the market pays today (€7.90); the fair value is what the company's own numbers justify (€15.56). For SRV Yhtiöt Oyj the two are €7.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is SRV Yhtiöt Oyj worth?
The market values SRV Yhtiöt Oyj at about €107M (market capitalisation, as of Nov 8, 2026). Per share that is €7.90; our models calculate a fair value of €15.56 per share.
What do the bullish and bearish scenarios say about B7J?
Our models span a range for SRV Yhtiöt Oyj: cautious scenario €11.67, base €15.56, optimistic €19.45 per share (as of Nov 8, 2026, price €7.90). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of SRV Yhtiöt Oyj (B7J)?
Balance-sheet figures for SRV Yhtiöt Oyj (as of Nov 8, 2026): return on equity −8.2%, debt of 0.19 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is B7J from its 52-week high?
SRV Yhtiöt Oyj trades at €7.90, about 21% below its 52-week high of €10.05 and 94% above the low of €4.07 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €15.56 is for.
Which stocks are comparable to SRV Yhtiöt Oyj?
From the same area (Industrials) we also value AKTR, KT Submarine Co, Hanyang ENG Co, MWIDE, 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 SRV Yhtiöt Oyj stock attractive at the current price?
The data as of Nov 8, 2026: price €7.90, calculated fair value €15.56 (+97%), Quality Score 46/100, from 24 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 B7J calculated?
We run SRV Yhtiöt Oyj through 24 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €15.56 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. SRV Yhtiöt Oyj currently trades 49% 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 SRV Yhtiöt Oyj (B7J)?
The closing price on Nov 6, 2026 was €7.90. Our model-based fair value is €15.56, about +97% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SRV Yhtiöt Oyj right now?
The large discount to fair value meets weak quality (46/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (€11.67). The market is more pessimistic than our downside scenario.
Where does the earnings growth of SRV Yhtiöt Oyj (B7J) come from?
Earnings per share at SRV Yhtiöt Oyj grew −31.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share −29.7 %, EBIT margin −1.5 %, tax rate −0.1 %, residual (interest, one-offs) −1.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of SRV Yhtiöt Oyj
How large is the market capitalisation of SRV Yhtiöt Oyj (B7J)?
The market capitalisation of SRV Yhtiöt Oyj is €107M. 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 SRV Yhtiöt Oyj (B7J)?
The price-to-sales ratio of SRV Yhtiöt Oyj is 0.17 (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 SRV Yhtiöt Oyj (B7J)?
Earnings per share at SRV Yhtiöt Oyj are €−0.5960. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SRV Yhtiöt Oyj (B7J)?
The dividend yield of SRV Yhtiöt Oyj is 2.6%. 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 SRV Yhtiöt Oyj (B7J)?
The net margin of SRV Yhtiöt Oyj is −1.8% (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 SRV Yhtiöt Oyj (B7J)?
The return on equity (ROE) of SRV Yhtiöt Oyj is −8.2% (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 SRV Yhtiöt Oyj (B7J)?
On an EBIT basis the return on assets of SRV Yhtiöt Oyj is 1.1% (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 SRV Yhtiöt Oyj (B7J)?
The operating margin of SRV Yhtiöt Oyj is 0.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SRV Yhtiöt Oyj (B7J)?
Revenue at SRV Yhtiöt Oyj is growing +20.8% versus a year earlier (3y avg −2.9%). 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 SRV Yhtiöt Oyj (B7J)?
Earnings per share at SRV Yhtiöt Oyj are growing +32.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SRV Yhtiöt Oyj (B7J) carry?
The net debt of SRV Yhtiöt Oyj is €56.8M (fiscal year 2025, ≈ 2.9 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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Some data
Nov 8, 2026