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Havsfrun Investment AB (HAV-B) Fair Value & Analysis

Financial Services · SE · Market cap 160M SEK (≈ $16.7M) · ISIN SE0000312043

What is Havsfrun Investment AB really worth?

HI Havsfrun Investment AB HAV-B · ST
Pricekr 13.16
Fair Valuekr 16.24
Upside+23.4%
Quality84/100

A strong business, trading 19% below our fair value of kr 16.24.

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Strengths

Highly profitable · 60.3% net margin
generates free cash flow
Ranks above peers (9/13)

Risks

!Weak Growth (revenue 5y −9.8 %/yr)
!Moderate moat 60/100

For context

·7.60% dividend yield
Evidence: High Range kr 12.18 – kr 20.30

Fair value as of: Aug 28, 2026

From 10 valuation models · updated 8 days ago

Share price +0.5% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
  • The price sits in the lower half of our model range, the side with the larger margin of safety.
  • The data supports the verdict: every model runs on fully documented inputs.

Price vs Fair Value (5 years)

kr 25.29 kr 7.67 Fair Value kr 16.24 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.

How to read this chart

60‑month range kr 7.67 – kr 25.29 · fair‑value band kr 12.18 – kr 20.30 · the kr 13.16 price screens below the kr 16.24 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 Aug 28, 2026.

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Analysis

Havsfrun Investment AB (HAV-B) currently trades at kr 13.16, while our model-based Fair Value estimate is kr 16.24, implying the stock looks roughly 19.0% undervalued today. The Quality Score stands at 84/100 (high quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of kr 43.72 per share, and 8 of the 10 models we run sit above the kr 13.16 price. Bear case: the Asset-Based group reads lowest at kr 7.11, and 2 of the 10 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Havsfrun Investment AB generated revenue of 13.9M SEK at a net margin of 60.3%. Revenue grew 282.1% year over year. It earns a return on equity of 7.6%. The balance sheet holds a net cash position of 60.5M SEK. Fundamentals as of Aug 28, 2026

Our scenario range runs from kr 12.18 (bear case) to kr 20.30 (bull case); at kr 13.16, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 44% below its 52-week high and 13% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 23%, HAV-B screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

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
Highest evidence
Growth DCF kr 12.97 kr 17.36 kr 24.21 74
Residual Income kr 8.78 kr 9.66 kr 12.54 74
Rev-Margin DCF kr 10.78 kr 13.69 kr 19.85 68
All 10 models by family
DCF Models
5Y P/E Exit kr 16.41 kr 29.69 kr 47.80 64
10Y P/E Exit kr 15.28 kr 26.84 kr 45.86 57
Earnings-Based
Graham-Dodd kr 8.49 kr 59.23 kr 83.12 61
Lynch FV kr 30.60 kr 43.72 kr 56.83 59
Multiples
P/E Multiple kr 12.18 kr 16.24 kr 20.30 63
P/B Multiple kr 11.15 kr 14.87 kr 18.58 55
Asset-Based
NCAV (Graham) kr 5.31 kr 7.11 kr 10.62 51
Growth DCF
Growth DCF kr 12.97 kr 17.36 kr 24.21 74
Rev-Margin DCF kr 10.78 kr 13.69 kr 19.85 68
Economic Profit
Residual Income kr 8.78 kr 9.66 kr 12.54 74

Widest divergence: Earnings-Based (kr 43.72) versus Asset-Based (kr 7.11). Highest evidence: Growth DCF (74).

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Key figures & financial health

P/E ratio 20.0 as of Jun 8, 2026
P/S ratio 13.2 P/E × margin
EPS (TTM) kr 0.6900 price ÷ EPS = P/E 20.0
Dividend yield 7.6% payout 145%
Net margin 66.2% FY2025
Return on equity 7.6% TTM
More key figures
Profitability
Return on assets (EBIT) 0.6% avg 5y
Operating margin 312% TTM
Growth
Revenue (TTM) 13.9M SEK TTM
Revenue growth (YoY) +282% 3y avg +16.4%
EPS growth (YoY) +623%
Balance sheet & cash flow
Free cash flow 6.7M SEK FY2025
Net cash 60.5M SEK FY2025

Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 84/100

Of which business quality 82 · Market factors (momentum, volatility) 29

Profitability 51
Margins and returns on capital today
Quality Growth 100
Are margins and returns improving?
Cashflow 75
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 60
Calm price path (market factor)
Momentum 24
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Havsfrun Investment AB (publ) does not have significant operations. It intends to develop through a merger with a company. Havsfrun Investment AB (publ) was incorporated in 1987 and is based in Stockholm, Sweden.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Havsfrun Investment AB reported revenue of 19.5M SEK in FY2025 versus −5.4M SEK in FY2021. Reported net income was 12.9M SEK in FY2025, compounding +39.7%/yr from FY2021.

Growth Quality 39/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
19.5M SEK
Avg. revenue growth/yr (3Y) 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.
+16.4%
Avg. revenue growth/yr (5Y) 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.
−9.8%
Avg. revenue growth/yr (23Y) 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.
−12.4%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+36.2% (28.6 + 7.6)
Revenue
FY21 −5.4M SEK
FY22 12.4M SEK
FY23 15.0M SEK
FY24 1.8M SEK
FY25 19.5M SEK
Net income +39.7%/yr
FY21 3.4M SEK
FY22 −5.0M SEK
FY23 980K SEK
FY24 −2.5M SEK
FY25 12.9M SEK

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Cite: Fair Value Calculator (2026). "Havsfrun Investment AB Fair Value". https://www.fairvalue-calculator.com/stock/HAV-B

Peer Group

Capital Markets · 455 stocks

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.

Quality Score 84 · Top 25%
Fair Value upside +23% · Above median
Return on equity (TTM) 8% · Above median
Return on assets 5% · Top 25%
Net margin (TTM) 60% · Top 25%
Revenue growth 282% · Top 25%
Dividend yield (TTM) 7.6% · Top 25%

Valuation Multiples vs Capital Markets median · lower = cheaper

P/E (TTM) 20.0× · Pricier than median
P/B 1.45× · Pricier than median
P/S (TTM) 11.45× · Pricier than 75% of peers
P/FCF 2.5× · Pricier than median
EV/EBITDA 7.2× · Cheaper than median
PEG 1.33× · Cheaper than median

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE65 · sector 10
FUTURE100 · sector 91
PAST30 · sector 30
HEALTH0 · sector 94
DIVIDEND100 · sector 37

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $214.77 $138.97 −35%
The Goldman Sachs Group GS $1,034 $756.89 −27%
The Charles Schwab Corporation SCHW $110.16 $66.17 −40%
Robinhood Markets, Inc HOOD $104.26 $30.94 −70%
Macquarie Group MQG A$251.87 A$75.58 −70%
CITIC Securities Company 600030 ¥27.93 ¥17.68 −37%
Guotai Haitong Securities Co 601211 ¥17.87 ¥18.62 +4%
East Money Information Co 300059 ¥19.42 ¥4.77 −75%
CSC Financial Co 601066 ¥25.78 ¥14.17 −45%
Huatai Securities Co 601688 ¥19.56 ¥19.26 −2%

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Frequently asked questions

Is Havsfrun Investment AB (HAV-B) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of kr 16.24 versus a price of kr 13.16, about +23% upside (undervalued).
What is the fair value of HAV-B?
Our model-based fair value for Havsfrun Investment AB is kr 16.24 (as of Aug 28, 2026), built from audited fundamentals. The current price: kr 13.16.
What is the quality score of HAV-B?
Havsfrun Investment AB has a Quality Score of 84/100. 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 revenue of Havsfrun Investment AB (HAV-B)?
Havsfrun Investment AB reported trailing-twelve-month revenue of about 13.9M SEK (latest available figure, as of Aug 28, 2026).
What is the net profit margin of HAV-B?
The net profit margin of Havsfrun Investment AB is about 60.3%, meaning it keeps roughly 60.3% of revenue as net income. Based on the latest reported figures.
Does Havsfrun Investment AB pay a dividend?
Havsfrun Investment AB currently shows a dividend yield of about 7.60% relative to its recent price (as of Aug 28, 2026).
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