Viafin Service Oyj (VIAFIN) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Viafin Service Oyj €28.72, price €19.45, upside +47.7%, quality 75 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 €10.38 – €20.70 · fair‑value band €21.54 – €35.90 · the €19.45 price screens below the €28.72 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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Viafin Service Oyj provides industrial maintenance services in Finland.
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Viafin Service Oyj provides industrial maintenance services in Finland. It provides pipeline maintenance services, including industrial pipework, annual maintenance and shutdowns, mechanical welding works, and pressure equipment and tanks; turnkey solutions, such as pre-inspection, design, materials, prefabrication, installation, inspection, and regulatory approval; and industrial maintenance and servicing, expert services, operation and maintenance services, and installation, machining services, and equipment relocations, as well as maintenance professionals. The company also offers wind turbine maintenance services comprising installation and maintenance for wind turbines, as well as routine maintenance of wind turbines; shaft replacements and bearing replacements for gearboxes; powerlines and gearboxes inspections, alignments, and endoscopic inspections; yaw drive overhauls and replacements; refurbishments and replacements of nitrogen accumulator; inspections and tightening of bolt joint; acceptance inspections for wind turbines; and end-of-warranty inspections for wind turbines. In addition, it provides gas system maintenance services for gas filling stations, and transmission, distribution, and utilization pipelines; calibration and maintenance services; and biogas plants maintenance services, as well as monitoring and mapping services, and designs gas systems and pipelines. Further, the company provides hydrogen gas; and Industrial equipment installations services. The company was incorporated in 2017 and is based in Kurikka, Finland.
Stock analysis
Viafin Service Oyj (VIAFIN) currently trades at €19.45, while our model-based Fair Value estimate is €28.72, implying the stock looks roughly 32.3% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €32.40 per share, and 18 of the 26 models we run sit above the €19.45 price.
Bear case: the Asset-Based group reads lowest at €5.00, and 8 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: €21.54 (bear) to €35.90 (bull), the price of €19.45 sits below 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 75/100 (high quality), in the Industrials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Viafin Service Oyj reported revenue of €99.6M in FY2025 versus €61.2M in FY2021, a compound +12.9%/yr. Reported net income was €4.8M in FY2025, compounding +14.4%/yr from FY2021.
Key figures
Market cap €67.7M · P/E ratio 14.2 · P/S ratio 0.68 · EPS (TTM) €1.37 · Dividend yield 3.9% · Net margin 4.8% · Return on equity 18.3% · Return on assets (EBIT) 10.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 10% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −49% fair-value upside, at 48%, VIAFIN screens cheaper than that median.
Fair Value models
Bear €21.54Fair Value €28.72Bull €35.90
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 (€0.4552 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.84/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.7%
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.
+4.5%
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.
+11.5%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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.
+13.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.9%
Dividend (yield on the price)3.9%
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.8% → 6%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−4.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about −6.7% a year for the price.
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 Industrial Machinery · 827 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside+48% · Top 25%
Profitability
Return on equity (TTM)18% · Top 25%
Return on assets8% · Top 25%
Net margin (TTM)5% · Below median
Operating margin (TTM)8% · Above median
Growth and dividend
Revenue growth−1% · Below median
Dividend yield (TTM)3.9% · Top 25%
Valuation Multiplesvs Specialty Industrial Machinery 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). "Viafin Service Oyj Fair Value". https://www.fairvalue-calculator.com/stock/VIAFIN
Frequently asked questions
Is Viafin Service Oyj (VIAFIN) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €28.72 versus a price of €19.45, about +48% upside (undervalued).
What is the fair value of VIAFIN?
Our model-based fair value for Viafin Service Oyj is €28.72 (as of Sep 23, 2026), built from audited fundamentals. The current price: €19.45.
What is the quality score of VIAFIN?
Viafin Service Oyj has a Quality Score of 75/100. 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 Viafin Service Oyj (VIAFIN)?
Our model-based price target is the fair value of €28.72 (as of Sep 23, 2026) from 26 valuation models. Cautious scenario €21.54, optimistic scenario €35.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Viafin Service Oyj stock forecast for 2026?
Our models put fair value at €28.72, about +48% upside versus a price of €19.45 (undervalued). Cautious scenario €21.54, optimistic scenario €35.90. The calculation is refreshed regularly with new filings.
What is the revenue of Viafin Service Oyj (VIAFIN)?
Viafin Service Oyj reported trailing-twelve-month revenue of about €99.6M (latest available figure, as of Sep 23, 2026).
Does Viafin Service Oyj pay a dividend?
Viafin Service Oyj currently shows a dividend yield of about 3.86% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Viafin Service Oyj (VIAFIN)?
For today's price to be fair in a discounted-cash-flow model, Viafin Service Oyj would have to grow free cash flow by -4.6 % per year for five years (discount rate 11.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.5 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of VIAFIN use?
Our models discount Viafin Service Oyj at 11.4 %: a base by market capitalisation (micro), damped by beta 0.20, country premium for Finland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Viafin Service Oyj that is -4.6 % per year a year over ten years, using the same discount rate (11.4 %) and the same formula as our fair value.
How much growth has Viafin Service Oyj (VIAFIN) delivered so far?
Over the past 5 years revenue at Viafin Service Oyj grew +11.5 % a year. The price currently implies -4.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Viafin Service Oyj (VIAFIN) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Viafin Service Oyj (-4.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Viafin Service Oyj (VIAFIN)?
The free-cash-flow yield on the price is 10.93 %: that much free cash flow Viafin Service Oyj produces per unit of market value. When it exceeds the discount rate of our models (11.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Viafin Service Oyj (VIAFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Viafin Service Oyj it is €28.72 per share (as of Sep 23, 2026), against a price of €19.45. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Viafin Service Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, VIAFIN trades below its calculated fair value: price €19.45, fair value €28.72, a gap of about +48% (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 VIAFIN?
No. The price is what the market pays today (€19.45); the fair value is what the company's own numbers justify (€28.72). For Viafin Service Oyj the two are €9.27 per share apart. That gap is exactly why we show both numbers side by side.
How much is Viafin Service Oyj worth?
The market values Viafin Service Oyj at about €67.7M (market capitalisation, as of Sep 23, 2026). Per share that is €19.45; our models calculate a fair value of €28.72 per share.
What do the bullish and bearish scenarios say about VIAFIN?
Our models span a range for Viafin Service Oyj: cautious scenario €21.54, base €28.72, optimistic €35.90 per share (as of Sep 23, 2026, price €19.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VIAFIN?
Viafin Service Oyj trades at a price-to-earnings ratio of 14.2 (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 €28.72 is built from several models across several years. Other multiples: P/B 3.0, P/S 0.8, EV/EBITDA 8.7.
How solid is the balance sheet of Viafin Service Oyj (VIAFIN)?
Balance-sheet figures for Viafin Service Oyj (as of Sep 23, 2026): return on equity 18.3%. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is VIAFIN from its 52-week high?
Viafin Service Oyj trades at €19.45, about 6% below its 52-week high of €20.70 and 10% above the low of €17.65 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €28.72 is for.
Which stocks are comparable to Viafin Service Oyj?
From the same area (Industrials) we also value GE Vernova Inc, SIE, Eaton Corporation, Parker-Hannifin Corporation, 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 Viafin Service Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €19.45, calculated fair value €28.72 (+48%), Quality Score 75/100, from 26 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 VIAFIN calculated?
We run Viafin Service Oyj through 26 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 €28.72, 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. Viafin Service Oyj currently trades 48 % 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 Viafin Service Oyj (VIAFIN)?
The closing price on Sep 24, 2026 was €19.45. Our model-based fair value is €28.72, about +48% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Viafin Service Oyj right now?
The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (€21.54). The market is more pessimistic than our downside scenario.
Key figures of Viafin Service Oyj
How large is the market capitalisation of Viafin Service Oyj (VIAFIN)?
The market capitalisation of Viafin Service Oyj is €67.7M. 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 Viafin Service Oyj (VIAFIN)?
The price-to-sales ratio of Viafin Service Oyj is 0.68 (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 Viafin Service Oyj (VIAFIN)?
Earnings per share at Viafin Service Oyj are €1.37 (price ÷ EPS = P/E 14.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Viafin Service Oyj (VIAFIN)?
The dividend yield of Viafin Service Oyj is 3.9% (payout 54.8%). 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 Viafin Service Oyj (VIAFIN)?
The net margin of Viafin Service Oyj is 4.8% (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 Viafin Service Oyj (VIAFIN)?
The return on equity (ROE) of Viafin Service Oyj is 18.3% (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 Viafin Service Oyj (VIAFIN)?
On an EBIT basis the return on assets of Viafin Service Oyj is 10.8% (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 Viafin Service Oyj (VIAFIN)?
The operating margin of Viafin Service 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 Viafin Service Oyj (VIAFIN)?
Revenue at Viafin Service Oyj is growing −0.6% versus a year earlier (3y avg +4.5%). 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 Viafin Service Oyj (VIAFIN)?
Earnings per share at Viafin Service Oyj are growing +2.0% versus a year earlier. How much earnings per share grew versus a year earlier.
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