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OurLiving AB (OURLIV) Fair Value & Analysis

Technology · SE · Market cap 30.7M SEK

OA OurLiving AB OURLIV · ST
Pricekr 0.4080
Fair Valuekr 0.2138
Upside-47.6%
Quality41/100
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Mixed Growth
Loss-making · -3.7% net margin
Moderate debt · generates free cash flow
Trails peers (2/12)
Narrow moat 12/100
Evidence: Medium Range kr 0.1601 – kr 0.2685 Share as image

Fair value as of: Jul 11, 2026

From 10 valuation models · updated 30 days ago

Fair value updated Jul 11, 2026, revised from kr 0.0800 to kr 0.2138 (+167.3%) since Jun 24, 2026. Share price +41.7% over the past month.

Below-average quality, and screening another 48% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (kr 0.2685). The favourable scenario is already priced in.
  • Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts.
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Price vs Fair Value (5 years)

kr 1.64 kr 0.0700 Fair Value kr 0.2138 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 11, 2026.

How to read this chart

60‑month range kr 0.0700 – kr 1.64 · fair‑value band kr 0.1601 – kr 0.2685 · the kr 0.4080 price screens above the kr 0.2138 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 11, 2026.

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Analysis

OurLiving AB (OURLIV) currently trades at kr 0.4080, while our model-based Fair Value estimate is kr 0.2138, implying the stock looks roughly 47.6% overvalued today. The Quality Score stands at 41/100 (below-average quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, OurLiving AB generated revenue of 10.3M SEK at a net margin of -3.7%. Revenue grew 7.0% year over year. It earns a return on equity of -47.1%. Net debt stands at 1.8M SEK. Fundamentals as of Jul 11, 2026

Our scenario range runs from kr 0.1601 (bear case) to kr 0.2685 (bull case); at kr 0.4080, the current price sits above 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 near its 52-week high and 168% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -48%, OURLIV screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

Note: the current price implies far more future growth than the conservative anchors of our models allow (base growth is deliberately capped, we do not regard such extreme rates as sustainable). Our models are not designed for expectations this high; that is why the individual models scatter extremely (kr 0.0100 to kr 2.01). Read the values as a conservative anchor, not as a price target.
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 0.0200 kr 0.0300 kr 0.0500 80
Rev-Margin DCF kr 0.0200 kr 0.0400 kr 0.0700 74
EV/EBITDA kr 1.50 kr 2.01 kr 2.51 54
All 10 models by family
DCF Models
FCF DCF kr 0.0200 kr 0.0300 kr 0.0600 38
5Y Revenue Exit kr 0.0200 kr 0.0300 kr 0.0600 39
5Y EBITDA Exit kr 0.9800 kr 1.97 kr 3.93 41
10Y Revenue Exit kr 0.0200 kr 0.0400 kr 0.0500 36
10Y EBITDA Exit kr 0.6200 kr 1.81 kr 4.01 37
Multiples
EV/EBITDA kr 1.50 kr 2.01 kr 2.51 54
EV/Revenue kr 0.0100 kr 0.0200 kr 0.0300 43
Asset-Based
NCAV (Graham) kr 0.0100 kr 0.0100 kr 0.0100 50
Growth DCF
Growth DCF kr 0.0200 kr 0.0300 kr 0.0500 80
Rev-Margin DCF kr 0.0200 kr 0.0400 kr 0.0700 74

Widest divergence: DCF Models (kr 0.0400) versus Asset-Based (kr 0.0100). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) 10.3M SEK
Revenue growth (YoY) +7.0%
Net margin -3.7%
Return on equity -47.1%
Free cash flow 218K SEK FY2025
Operating margin -11.9%
More key figures
Net debt 1.8M SEK FY2025

Figures from reported company fundamentals · as of Jul 11, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 41/100

Of which business quality 39 · Market factors (momentum, volatility) 73

Profitability 33
Margins and returns on capital today
Quality Growth 100
Are margins and returns improving?
Cashflow 19
Earnings quality: real cash, not paper profit
Fin. Strength 13
Balance sheet, leverage, solvency risk
Investment 96
Disciplined investing over empire-building
Low Volatility 9
Calm price path (market factor)
Momentum 100
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 14
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.

About the company

OurLiving AB, a technology company, provides SaaS solutions in Sweden. It offers various platforms under the OurLiving name comparing digital platform for resident communication, administration, case management, booking function for shared resources, maintenance plans, and others; housing platform, a tenant-owners' association's communication platform and …

Full company description

OurLiving AB, a technology company, provides SaaS solutions in Sweden. It offers various platforms under the OurLiving name comparing digital platform for resident communication, administration, case management, booking function for shared resources, maintenance plans, and others; housing platform, a tenant-owners' association's communication platform and collection area for information, news, and document; and housing app for those who live in a BRF. The company was formerly known as Compare-IT Nordic AB (publ) and changed its name to OurLiving AB in November 2022. OurLiving AB was incorporated in 2005 and is based in Malmö, Sweden.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

OurLiving AB reported revenue of kr 9.4M in FY2025 versus kr 3.2M in FY2021, a compound +30.6%/yr. Reported net income was −kr 545K in FY2025.

Growth Quality 54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
9.4M SEK
Latest YoY
+77.8%
Avg. 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.
+36.9%
Avg. growth/yr (6Y) 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.
+12.2%
Revenue +30.6%/yr
FY21 kr 3.2M
FY22 kr 3.7M
FY23 kr 21.0M
FY24 kr 5.3M
FY25 kr 9.4M
Net income
FY21 −kr 7.1M
FY22 −kr 23.3M
FY23 −kr 23.4M
FY24 −kr 10.8M
FY25 −kr 545K

OURLIV screens 48% overvalued. Compare with SAP SE →

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Cite: Fair Value Calculator (2026). "OurLiving AB Fair Value". https://www.fairvalue-calculator.com/stock/OURLIV

Peer Group

Software - Application · 709 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 41 · Bottom 25%
Fair Value upside −49% · Below median
Return on assets -1% · Below median
Net margin (TTM) -4% · Below median
Operating margin (TTM) -12% · Bottom 25%
Revenue growth 7% · Below median
Debt / equity 1.17× · Higher than 75% of peers

Valuation Multiples vs Software - Application median · lower = cheaper

P/B 2.32× · Pricier than median
P/S (TTM) 0.32× · Cheaper than 75% of peers
P/FCF 14.8× · Pricier than median
EV/EBITDA 3.4× · Cheaper than 75% of peers

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.

VALUE 0 · sector 0
FUTURE 35 · sector 38
PAST 0 · sector 13
HEALTH 41 · sector 98
DIVIDEND 0 · sector 28

VALUE 0: the price sits above our fair-value range.

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 11, 2026).

Stock Price Fair Value vs Fair Value
SAP SE SAPS C$12.69 C$16.26 +28%
Shopify Inc SHOP C$173.23 C$20.54 -88%
Uber Technologies, Inc UBER $72.67 $51.11 -30%
Salesforce, Inc CRM $170.77 $182.10 +7%
ServiceNow, Inc NOW $107.71 $33.12 -69%
Cadence Design Systems, Inc CDNS $384.17 $80.41 -79%
Snowflake Inc SNOW $271.87 $34.04 -87%
Adobe Inc ADBE $230.61 $379.48 +65%
Automatic Data Processing, Inc ADP $241.92 $177.51 -27%
Intuit Inc INTU $291.09 $258.69 -11%

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Frequently asked questions

Is OurLiving AB (OURLIV) overvalued or undervalued?
As of Jul 11, 2026, our model estimates a fair value of kr 0.2138 versus a price of kr 0.4080, about −48% (overvalued).
What is the fair value of OURLIV?
Our model-based fair value for OurLiving AB is kr 0.2138 (as of Jul 11, 2026), built from audited fundamentals. The current price is kr 0.4080.
What is the quality score of OURLIV?
OurLiving AB has a Quality Score of 41/100. 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 OurLiving AB (OURLIV)?
OurLiving AB reported trailing-twelve-month revenue of about 10.3M SEK (latest available figure, as of Jul 11, 2026).
What is the net profit margin of OURLIV?
The net profit margin of OurLiving AB is about -3.7%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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