Fondia Oyj (FONDIA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Fondia Oyj €2.67, price €4.75, upside -43.8%, quality 63 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 €3.95 – €7.05 · fair‑value band €1.87 – €3.47 · the €4.75 price screens above the €2.67 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. Dashed = 300-day average. As of Sep 23, 2026.
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Fondia Oyj, together with its subsidiaries, operates as a law firm in Finland, Sweden, Lithuania, and Estonia.
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Fondia Oyj, together with its subsidiaries, operates as a law firm in Finland, Sweden, Lithuania, and Estonia. It offers legal services in various areas, including business legal agreements", corporate law", dispute resolution", employment", IPR", merger and acquisition and finance", marketing and consumer protection", data protection", competition and public procurement", ESG and sustainability", environment", taxation", data economy", AI", legal operations", and insolvency. The company also provides legal department as a service", trademark watch", data protection officer", board secretary service", compliance service", GDPR compliance assessment", whistleblowing", secondment as a service", and exit readiness as a service, as well as "legal services for startups and scaleups". It serves energy, financial, healthcare and life sciences, information and communications technology, media, entertainment, creative, real estate and construction, and circular economy and cleantech industries. The company was incorporated in 1988 and is headquartered in Helsinki, Finland.
Stock analysis
Fondia Oyj (FONDIA) currently trades at €4.75, while our model-based Fair Value estimate is €2.67, implying the stock looks roughly 77.9% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of €3.99 per share, and 2 of the 16 models we run sit above the €4.75 price.
Bear case: the Asset-Based group reads lowest at €0.4300, and 14 of the 16 models stay below the price. Evidence for this calculation is high.
Scenario range: €1.87 (bear) to €3.47 (bull), the price of €4.75 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 63/100 (solid quality), in the Industrials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Fondia Oyj reported revenue of €23.9M in FY2025 versus €21.1M in FY2021, a compound +3.2%/yr. Reported net income was €568K in FY2025, compounding +21.7%/yr from FY2021.
Key figures
Market cap €17.8M · P/E ratio 33.9 · P/S ratio 0.81 · EPS (TTM) €0.1400 · Dividend yield 6.3% · Net margin 2.4% · Return on equity 21.1% · Return on assets (EBIT) 14.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 20% 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 −44%, FONDIA screens richer than that median.
Fair Value models
Bear €1.87Fair Value €2.67Bull €3.47
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.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.33/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−6.6%
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.
−0.9%
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.
+4.0%
Start year 2020 (pandemic). Over 10 years: +6.3% a year
Revenue growth 11 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.
+7.0%
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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.
+17.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.9%
Dividend (yield on the price)6.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11% vs −7%, picking up
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.7% → 4%
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 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score63 · Above median
Fair Value upside−44% · Bottom 25%
Profitability
Return on equity (TTM)21% · Top 25%
Return on assets9% · Top 25%
Net margin (TTM)2% · Below median
Operating margin (TTM)8% · Above median
Growth and dividend
Revenue growth−5% · Bottom 25%
Dividend yield (TTM)6.3% · Top 25%
Valuation Multiplesvs Specialty Business Services median · lower = cheaper
P/E (TTM)33.9× · Priciest 25%
P/B8.33× · Priciest 25%
P/S (TTM)0.84× · Cheaper than median
EV/EBITDA10.0× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 44
FUTURE (revenue growth)0· sector 27
PAST (return on equity)84· sector 36
HEALTH (low debt)100· sector 90
DIVIDEND (yield)100· sector 54
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). "Fondia Oyj Fair Value". https://www.fairvalue-calculator.com/stock/FONDIA
Frequently asked questions
Is Fondia Oyj (FONDIA) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €2.67 versus a price of €4.75, about −44% upside (overvalued).
What is the fair value of FONDIA?
Our model-based fair value for Fondia Oyj is €2.67 (as of Sep 23, 2026), built from audited fundamentals. The current price: €4.75.
What is the quality score of FONDIA?
Fondia Oyj has a Quality Score of 63/100. 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 Fondia Oyj (FONDIA)?
Our model-based price target is the fair value of €2.67 (as of Sep 23, 2026) from 16 valuation models. Cautious scenario €1.87, optimistic scenario €3.47. It is a calculation from audited fundamentals, not an analyst target.
What is the Fondia Oyj stock forecast for 2026?
Our models put fair value at €2.67, about −44% upside versus a price of €4.75 (overvalued). Cautious scenario €1.87, optimistic scenario €3.47. The calculation is refreshed regularly with new filings.
What is the revenue of Fondia Oyj (FONDIA)?
Fondia Oyj reported trailing-twelve-month revenue of about €23.9M (latest available figure, as of Sep 23, 2026).
Does Fondia Oyj pay a dividend?
Fondia Oyj currently shows a dividend yield of about 6.32% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Fondia Oyj (FONDIA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fondia Oyj it is €2.67 per share (as of Sep 23, 2026), against a price of €4.75. It is the blended result of 16 valuation models (cash flow, earnings, asset, dividend).
Is Fondia Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FONDIA trades above its calculated fair value: price €4.75, fair value €2.67, a gap of about −44% (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 FONDIA?
No. The price is what the market pays today (€4.75); the fair value is what the company's own numbers justify (€2.67). For Fondia Oyj the two are €2.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fondia Oyj worth?
The market values Fondia Oyj at about €17.8M (market capitalisation, as of Sep 23, 2026). Per share that is €4.75; our models calculate a fair value of €2.67 per share.
What do the bullish and bearish scenarios say about FONDIA?
Our models span a range for Fondia Oyj: cautious scenario €1.87, base €2.67, optimistic €3.47 per share (as of Sep 23, 2026, price €4.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FONDIA?
Fondia Oyj trades at a price-to-earnings ratio of 33.9 (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 €2.67 is built from several models across several years. Other multiples: P/B 8.3, P/S 0.8, EV/EBITDA 10.0.
How solid is the balance sheet of Fondia Oyj (FONDIA)?
Balance-sheet figures for Fondia Oyj (as of Sep 23, 2026): return on equity 21.1%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is FONDIA from its 52-week high?
Fondia Oyj trades at €4.75, about 17% below its 52-week high of €5.74 and 20% above the low of €3.95 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €2.67 is for.
Which stocks are comparable to Fondia 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 Fondia Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €4.75, calculated fair value €2.67 (−44%), Quality Score 63/100, from 16 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 FONDIA calculated?
We run Fondia Oyj through 16 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 €2.67, 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. Fondia 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 Fondia Oyj (FONDIA)?
The closing price on Sep 24, 2026 was €4.75. Our model-based fair value is €2.67, about −44% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fondia Oyj right now?
The price sits above even our optimistic bull case (€3.47). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€1.87 to €3.47) leaves room in how you read the outcome.
Where does the earnings growth of Fondia Oyj (FONDIA) come from?
Earnings per share at Fondia Oyj grew −1.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.4 %, EBIT margin −7.7 %, tax rate −1.4 %, residual (interest, one-offs) +0.3 %. 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 Fondia Oyj
How large is the market capitalisation of Fondia Oyj (FONDIA)?
The market capitalisation of Fondia Oyj is €17.8M. 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 Fondia Oyj (FONDIA)?
The price-to-sales ratio of Fondia Oyj is 0.81 (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 Fondia Oyj (FONDIA)?
Earnings per share at Fondia Oyj are €0.1400 (price ÷ EPS = P/E 33.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fondia Oyj (FONDIA)?
The dividend yield of Fondia Oyj is 6.3%. 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 Fondia Oyj (FONDIA)?
The net margin of Fondia Oyj is 2.4% (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 Fondia Oyj (FONDIA)?
The return on equity (ROE) of Fondia Oyj is 21.1% (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 Fondia Oyj (FONDIA)?
On an EBIT basis the return on assets of Fondia Oyj is 14.4% (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 Fondia Oyj (FONDIA)?
The operating margin of Fondia Oyj is 8.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fondia Oyj (FONDIA)?
Revenue at Fondia Oyj is growing −4.9% versus a year earlier (3y avg −0.9%). 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 Fondia Oyj (FONDIA)?
Earnings per share at Fondia Oyj are growing +944% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fondia Oyj (FONDIA) generate?
The free cash flow of Fondia Oyj is −€1.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Fondia Oyj (FONDIA) hold?
Fondia Oyj holds more cash than debt, €78.0K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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