Toivo Group Oyj (TOIVO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Toivo Group Oyj €0.87, price €0.89, upside -1.8%, quality 46 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 €0.7345 – €3.29 · the €0.8860 price screens above the €0.8700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Toivo Group Oyj operates as a real estate company. It engages in real estate property development, construction, ownership, management, and leasing. The company also develops lots, constructs houses, and owns and sells apartments and residential, as well as offers rented plots. In addition, it provides project management contracting services.
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Toivo Group Oyj operates as a real estate company. It engages in real estate property development, construction, ownership, management, and leasing. The company also develops lots, constructs houses, and owns and sells apartments and residential, as well as offers rented plots. In addition, it provides project management contracting services. The company was incorporated in 2015 and is based in Espoo, Finland. Toivo Group Oyj operates as a subsidiary of Raatihuone Oy.
Stock analysis
Toivo Group Oyj (TOIVO) currently trades at €0.8860, while our model-based Fair Value estimate is €0.8700, implying the stock looks roughly 1.8% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €1.23 per share, and 5 of the 7 models we run sit above the €0.8860 price.
Bear case: the Asset-Based group reads lowest at €0.8400, and 2 of the 7 models stay below the price. Evidence for this calculation is high.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Real Estate sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Toivo Group Oyj reported revenue of €61.7M in FY2025 versus €13.6M in FY2021, a compound +46.0%/yr. Reported net income was €4.3M in FY2025, compounding −22.6%/yr from FY2021.
Key figures
Market cap €51.8M · P/E ratio 17.7 · P/S ratio 1.23 · EPS (TTM) €0.0500 · Dividend yield 3.4% · Net margin 6.9% · Return on equity 5.1% · Return on assets (EBIT) 2.3%.
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 11% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −9% fair-value upside, at −2%, TOIVO screens cheaper than that median.
Fair Value models
Bear €0.8700Fair Value €0.8700Bull €0.8700
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 (€0.0147 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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+55.0%
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.
+44.8%
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.
+70.8%
Start year 2020 (pandemic)
Revenue growth 7 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.
+132.3%
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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.
−1.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.9%
Dividend (yield on the price)3.4%
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.37% → 13%
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.Real Estate - Diversified · 133 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside−3% · Below median
Profitability
Return on equity (TTM)5% · Above median
Return on assets3% · Above median
Net margin (TTM)6% · Below median
Operating margin (TTM)10% · Below median
Growth and dividend
Revenue growth6% · Above median
Dividend yield (TTM)3.4% · Above median
Balance sheet
Debt / equity0.75× · Above median
Valuation Multiplesvs Real Estate - Diversified median · lower = cheaper
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). "Toivo Group Oyj Fair Value". https://www.fairvalue-calculator.com/stock/TOIVO
Frequently asked questions
Is Toivo Group Oyj (TOIVO) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €0.8700 versus a price of €0.8860, about −2% upside (fairly valued).
What is the fair value of TOIVO?
Our model-based fair value for Toivo Group Oyj is €0.8700 (as of Sep 23, 2026), built from audited fundamentals. The current price: €0.8860.
What is the quality score of TOIVO?
Toivo Group 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 Toivo Group Oyj (TOIVO)?
Our model-based price target is the fair value of €0.8700 (as of Sep 23, 2026) from 7 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Toivo Group Oyj stock forecast for 2026?
Our models put fair value at €0.8700, about −2% upside versus a price of €0.8860 (fairly valued). The calculation is refreshed regularly with new filings.
What is the revenue of Toivo Group Oyj (TOIVO)?
Toivo Group Oyj reported trailing-twelve-month revenue of about €62.4M (latest available figure, as of Sep 23, 2026).
Does Toivo Group Oyj pay a dividend?
Toivo Group Oyj currently shows a dividend yield of about 3.39% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Toivo Group Oyj (TOIVO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Toivo Group Oyj it is €0.8700 per share (as of Sep 23, 2026), against a price of €0.8860. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Toivo Group Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, TOIVO trades above its calculated fair value: price €0.8860, fair value €0.8700, a gap of about −2% (fairly valued). 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 TOIVO?
No. The price is what the market pays today (€0.8860); the fair value is what the company's own numbers justify (€0.8700). For Toivo Group Oyj the two are €0.0160 per share apart. That gap is exactly why we show both numbers side by side.
How much is Toivo Group Oyj worth?
The market values Toivo Group Oyj at about €51.8M (market capitalisation, as of Sep 23, 2026). Per share that is €0.8860; our models calculate a fair value of €0.8700 per share.
What is the P/E ratio of TOIVO?
Toivo Group Oyj trades at a price-to-earnings ratio of 17.7 (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 €0.8700 is built from several models across several years. Other multiples: P/B 0.8, P/S 1.0, EV/EBITDA 14.7.
How solid is the balance sheet of Toivo Group Oyj (TOIVO)?
Balance-sheet figures for Toivo Group Oyj (as of Sep 23, 2026): return on equity 5.1%, debt of 0.75 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is TOIVO from its 52-week high?
Toivo Group Oyj trades at €0.8860, about 11% below its 52-week high of €0.9980 and 3% above the low of €0.8624 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €0.8700 is for.
Which stocks are comparable to Toivo Group Oyj?
From the same area (Real Estate) we also value Swiss Prime Site AG, Central Pattana Public Company, Prestige Estates Projects Limited, The Phoenix Mills Limited, 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 Toivo Group Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €0.8860, calculated fair value €0.8700 (−2%), Quality Score 46/100, from 7 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 TOIVO calculated?
We run Toivo Group Oyj through 7 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 €0.8700, 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. Toivo Group 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 Toivo Group Oyj (TOIVO)?
The closing price on Sep 24, 2026 was €0.8860. Our model-based fair value is €0.8700, about −2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Toivo Group Oyj right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Toivo Group Oyj
How large is the market capitalisation of Toivo Group Oyj (TOIVO)?
The market capitalisation of Toivo Group Oyj is €51.8M. 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 Toivo Group Oyj (TOIVO)?
The price-to-sales ratio of Toivo Group Oyj is 1.23 (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 Toivo Group Oyj (TOIVO)?
Earnings per share at Toivo Group Oyj are €0.0500 (price ÷ EPS = P/E 17.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Toivo Group Oyj (TOIVO)?
The dividend yield of Toivo Group Oyj is 3.4% (payout 60.0%). 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 Toivo Group Oyj (TOIVO)?
The net margin of Toivo Group Oyj is 6.9% (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 Toivo Group Oyj (TOIVO)?
The return on equity (ROE) of Toivo Group Oyj is 5.1% (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 Toivo Group Oyj (TOIVO)?
On an EBIT basis the return on assets of Toivo Group Oyj is 2.3% (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 Toivo Group Oyj (TOIVO)?
The operating margin of Toivo Group Oyj is 9.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Toivo Group Oyj (TOIVO)?
Revenue at Toivo Group Oyj is growing +5.8% versus a year earlier (3y avg +44.8%). 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 Toivo Group Oyj (TOIVO)?
Earnings per share at Toivo Group Oyj are growing +941% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Toivo Group Oyj (TOIVO) generate?
The free cash flow of Toivo Group Oyj is −€3.7M (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 Toivo Group Oyj (TOIVO) carry?
The net debt of Toivo Group Oyj is €47.0M (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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