Ovaro Kiinteistosijoitus Oyj (OVARO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Ovaro Kiinteistosijoitus Oyj €3.06, price €2.78, upside +10.1%, quality 47 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 €2.11 – €3.73 · fair‑value band €2.22 – €3.82 · the €2.78 price screens below the €3.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are 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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Ovaro Kiinteistösijoitus Oyj invests in apartments and commercial premises in Finland. The company owns, develops, buys, rents, and sells apartments, office premises, and commercial and public properties. Ovaro Kiinteistösijoitus Oyj was founded in 2010 and is based in Helsinki, Finland.
Stock analysis
Ovaro Kiinteistosijoitus Oyj (OVARO) currently trades at €2.78, while our model-based Fair Value estimate is €3.06, implying the stock looks roughly 9.1% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €3.95 per share, and 5 of the 5 models we run sit above the €2.78 price.
Bear case: the Multiples group reads lowest at €3.06, and 0 of the 5 models stay below the price. Evidence for this calculation is medium.
Scenario range: €2.22 (bear) to €3.82 (bull), the price of €2.78 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 47/100 (below-average quality), in the Real Estate sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Ovaro Kiinteistosijoitus Oyj reported revenue of €7.3M in FY2025 versus €8.2M in FY2021, a compound −2.8%/yr. Reported net income was €1.5M in FY2025.
Key figures
Market cap €22.6M · P/E ratio 19.9 · P/S ratio 3.99 · EPS (TTM) €0.1400 · Net margin 20.1% · Return on equity 2.7% · Return on assets (EBIT) −2.9% · Operating margin −104%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −37% fair-value upside, at 10%, OVARO screens cheaper than that median.
Fair Value models
Bear €2.22Fair Value €3.06Bull €3.82
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 (€0.1024 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.19/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+38.6%
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.
+10.3%
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.
−5.5%
Start year 2020 (pandemic). Over 10 years: −8.4% a year
Revenue growth 14 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.
+13.1%
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What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘ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 3 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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+34.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+34.0%
Dividend (yield on the price)0.0%
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.−121% → −2%
2025 sits 154% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
⚠ Revenue per share shrinking 15.0%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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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.Real Estate Services · 547 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside+10% · Above median
Profitability
Return on equity (TTM)3% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)26% · Above median
Operating margin (TTM)−104% · Bottom 25%
Growth and dividend
Revenue growth−14% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.31× · Below median
Valuation Multiplesvs Real Estate Services median · lower = cheaper
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Is Ovaro Kiinteistosijoitus Oyj (OVARO) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €3.06 versus a price of €2.78, about +10% upside (undervalued).
What is the fair value of OVARO?
Our model-based fair value for Ovaro Kiinteistosijoitus Oyj is €3.06 (as of Sep 23, 2026), built from audited fundamentals. The current price: €2.78.
What is the quality score of OVARO?
Ovaro Kiinteistosijoitus Oyj has a Quality Score of 47/100. 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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
Our model-based price target is the fair value of €3.06 (as of Sep 23, 2026) from 5 valuation models. Cautious scenario €2.22, optimistic scenario €3.82. It is a calculation from audited fundamentals, not an analyst target.
What is the Ovaro Kiinteistosijoitus Oyj stock forecast for 2026?
Our models put fair value at €3.06, about +10% upside versus a price of €2.78 (undervalued). Cautious scenario €2.22, optimistic scenario €3.82. The calculation is refreshed regularly with new filings.
What is the revenue of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Ovaro Kiinteistosijoitus Oyj reported trailing-twelve-month revenue of about €4.4M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ovaro Kiinteistosijoitus Oyj it is €3.06 per share (as of Sep 23, 2026), against a price of €2.78. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Ovaro Kiinteistosijoitus Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, OVARO trades below its calculated fair value: price €2.78, fair value €3.06, a gap of about +10% (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 OVARO?
No. The price is what the market pays today (€2.78); the fair value is what the company's own numbers justify (€3.06). For Ovaro Kiinteistosijoitus Oyj the two are €0.2800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ovaro Kiinteistosijoitus Oyj worth?
The market values Ovaro Kiinteistosijoitus Oyj at about €22.6M (market capitalisation, as of Sep 23, 2026). Per share that is €2.78; our models calculate a fair value of €3.06 per share.
What do the bullish and bearish scenarios say about OVARO?
Our models span a range for Ovaro Kiinteistosijoitus Oyj: cautious scenario €2.22, base €3.06, optimistic €3.82 per share (as of Sep 23, 2026, price €2.78). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OVARO?
Ovaro Kiinteistosijoitus Oyj trades at a price-to-earnings ratio of 19.9 (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 €3.06 is built from several models across several years. Other multiples: P/B 0.6, P/S 5.9.
How solid is the balance sheet of Ovaro Kiinteistosijoitus Oyj (OVARO)?
Balance-sheet figures for Ovaro Kiinteistosijoitus Oyj (as of Sep 23, 2026): return on equity 2.7%, debt of 0.31 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is OVARO from its 52-week high?
Ovaro Kiinteistosijoitus Oyj trades at €2.78, about 16% below its 52-week high of €3.30 and 5% above the low of €2.64 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €3.06 is for.
Which stocks are comparable to Ovaro Kiinteistosijoitus Oyj?
From the same area (Real Estate) we also value Vingroup Joint Stock Company, CBRE Group, Vonovia SE, Cellnex Telecom, S.A, 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 Ovaro Kiinteistosijoitus Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €2.78, calculated fair value €3.06 (+10%), Quality Score 47/100, from 5 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 OVARO calculated?
We run Ovaro Kiinteistosijoitus Oyj through 5 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 €3.06, 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 13.0 % above its aggregate fair value. Ovaro Kiinteistosijoitus Oyj currently trades 10 % 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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
The closing price on Sep 24, 2026 was €2.78. Our model-based fair value is €3.06, about +10% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ovaro Kiinteistosijoitus Oyj right now?
As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of Ovaro Kiinteistosijoitus Oyj
How large is the market capitalisation of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The market capitalisation of Ovaro Kiinteistosijoitus Oyj is €22.6M. 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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
The price-to-sales ratio of Ovaro Kiinteistosijoitus Oyj is 3.99 (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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
Earnings per share at Ovaro Kiinteistosijoitus Oyj are €0.1400 (price ÷ EPS = P/E 19.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ovaro Kiinteistosijoitus Oyj (OVARO)?
The net margin of Ovaro Kiinteistosijoitus Oyj is 20.1% (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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
The return on equity (ROE) of Ovaro Kiinteistosijoitus Oyj is 2.7% (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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
On an EBIT basis the return on assets of Ovaro Kiinteistosijoitus Oyj is −2.9% (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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
The operating margin of Ovaro Kiinteistosijoitus Oyj is −104% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ovaro Kiinteistosijoitus Oyj (OVARO)?
Revenue at Ovaro Kiinteistosijoitus Oyj is growing −13.7% versus a year earlier (3y avg +10.3%). 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 Ovaro Kiinteistosijoitus Oyj (OVARO)?
Earnings per share at Ovaro Kiinteistosijoitus Oyj are growing −69.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ovaro Kiinteistosijoitus Oyj (OVARO) generate?
The free cash flow of Ovaro Kiinteistosijoitus Oyj is −€6.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Ovaro Kiinteistosijoitus Oyj (OVARO) carry?
The net debt of Ovaro Kiinteistosijoitus Oyj is €11.4M (fiscal year 2025). 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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