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YIT Oyj (YIT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of YIT Oyj stock €1.76, price €3.64, that is 51.6% below the price, quality 49 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.

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Industrials FI · ISIN FI0009800643

YO YIT Oyj logo Thin data Nov 6, 2026

YIT Oyj

YIT · HE
Very expensive, weak quality

Our calculation puts a fair price 52% below what the stock costs today.

Low debt
Generates free cash flow
Revenue last quarter +33% vs. a year ago.
Quality 49/100
Fair value €1.76 · Strongly overvalued (−51.6%)
Weak Growth (revenue 5y −10.6 %/yr in EUR)
Loss-making · -3.2% net margin (TTM)
Trails peers (4/12)
Narrow moat 18/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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

Price vs Fair Value

€4.56 €1.58 Fair Value €1.76 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range €1.58 – €4.56 · fair‑value band €1.17 – €2.38 · the €3.64 price screens above the €1.76 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. As of Nov 6, 2026.

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Company profile

YIT Oyj provides construction services in Finland, Estonia, Lithuania, Latvia, Czechia, Slovakia, and Poland. It operates through four segments: Residential Finland, Residential CEE, Building Construction, and Infrastructure.

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The company develops and constructs apartments, residential areas, apartments and living services, business premises, and entire areas.

It also constructs and renovates projects for industrial buildings, data centers, logistics, retail, sports, hotel, business, and office projects as well as public buildings, such as hospitals, health and well-being centers, day care centers, schools, and multi-purpose buildings.

In addition, the company provides Renovation constructing services comprising refurbishment of entire buildings, pipe renovation projects and energy renovations for housing companies, as well as develops and carries out hybrid projects.

Further, the company is involved in the railway and traffic route construction and maintenance, energy data centers and industrial construction, bridge building and repairing, foundation construction and other earthworks, shoreline and water work construction; and undertakes underground construction, which includes excavation and structural engineering, water supply construction, and implementing sport and parking facilities.

YIT Oyj was founded in 1910 and is based in Helsinki, Finland.

Stock analysis

YIT Oyj (YIT) currently trades at €3.64, while our model-based Fair Value estimate is €1.76, 52% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of €1.83 per share, and 0 of the 9 models we run sit above the €3.64 price.

Bear case: the Asset-Based group reads lowest at €1.16, and 9 of the 9 models stay below the price. Data coverage for this calculation is low.

Scenario range: €1.17 (bear) to €2.38 (bull), the price of €3.64 sits above 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 49/100 (below-average quality), in the Industrials sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

YIT Oyj reported revenue of €1.8B in FY2025 versus €2.9B in FY2021, a compound −11.4%/yr. Reported net income was −€24.0M in FY2025.

Key figures

Market cap €800M Small · P/S ratio 0.45 · EPS (TTM) €−0.3100 · Net margin −3.2% · Return on equity −8.4% · Return on assets (EBIT) 1.4% (5-year average) · Operating margin 1.5% · Revenue (TTM) €1.9B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 18 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −42% fair-value upside, at −52%, YIT screens richer than that median.

Fair Value models

Bear €1.17 Fair Value €1.76 Bull €2.38
Price €3.64 · Downside -51.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
FCF DCF €1.17 €1.80 €2.87 79
Growth DCF €1.24 €1.83 €2.78 78
5Y EBITDA Exit €1.21 €2.11 €3.31 74
All 9 models by family
DCF Models
FCF DCF €1.17 €1.80 €2.87 79
5Y Revenue Exit €0.8100 €1.43 €2.33 71
5Y EBITDA Exit €1.21 €2.11 €3.31 74
10Y Revenue Exit €0.9200 €1.37 €1.84 67
10Y EBITDA Exit €1.18 €1.76 €2.38 69
Earnings-Based
EPV €0.0400 €0.1600 €0.2600 67
Asset-Based
NCAV (Graham) €0.8600 €1.16 €1.73 54
Growth DCF
Growth DCF €1.24 €1.83 €2.78 78
Economic Profit
ROIC Compounder €0.0400 €0.1600 €0.2600 67

Open the full fair value analysis →

Quality Score breakdown

Overall quality 49/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 18
How much profit the company makes from its sales and capital
Quality Growth 50
Are margins and returns getting better?
Cashflow 39
Do the profits arrive as real cash?
Financial strength 27
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 68
How calm the share price moves, does not count
Price momentum 80
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 57
Distance to the 52-week high, does not count
New shares 84
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 18/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−3.5%
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.
−9.9%
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.
−10.6%
Start year 2020 (pandemic). Over 10 years: +0.1% a year
Revenue growth 28 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.
−4.1%
Profit margin (trend) ⓘ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.
1.6% (2020) → 2.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
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).
+37.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+11.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +34.5% a year for the price and +8.8% for the forecasts.
Forecast 2026 (sales)+12.9%
Forecast 2027 (sales)+12.8%
Projected 2028 (sales)+11.5%
Projected 2029 (sales)+10.1%
Projected 2030 (sales)+8.8%

YIT screens overvalued: fair value 52% below the price. Compare with Quanta Services, Inc →

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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.Engineering & Construction · 791 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −51.6% · Bottom 25%
Profitability
Return on assets −1.1% · Bottom 25%
Net margin (12 months) −3.2% · Bottom 25%
Operating margin (12 months) 1.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 32.6% · Top 25%
Balance sheet
Debt / equity 0.46× · Highest 25%

Valuation Multiplesvs Engineering & Construction median · lower = cheaper

P/B 1.23× · Cheaper than median
P/S (12 months) 0.42× · Cheaper than median
Price / free cash flow (fiscal year) 50.0× · Priciest 25%
PEG 0.90× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 33
FUTURE (revenue growth)100 · sector 20
PAST (return on equity)0 · sector 28
HEALTH (low debt)77 · sector 94
DIVIDEND (yield)0 · sector 43

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

Context: sector, industry, market

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 Engineering & Construction stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Vinci SA DG €111.60 €186.68 +67% vs YIT
Comfort Systems USA, Inc FIX $1,018 $1,119 +10% vs YIT
EMCOR Group EME $608.45 $524.14 −14% vs YIT
ACS, Actividades de Construcción y Servicios, S.A ACS €87.00 €62.21 −28% vs YIT
Samsung C&T Corporation 028260 273,500 KRW 159,702 KRW −42% vs YIT
Larsen & Toubro Limited LT ₹4,118 ₹2,302 −44% vs YIT
HOCHTIEF Aktiengesellschaft HOT €365.60 €203.86 −44% vs YIT
APi Group APG $40.87 $19.20 −53% vs YIT
Ferrovial N.V FER $58.71 $23.06 −61% vs YIT
Quanta Services, Inc PWR $540.90 $162.41 −70% vs YIT

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YIT Oyj: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "YIT Oyj Fair Value". https://www.fairvalue-calculator.com/stock/YIT

Frequently asked questions

Is YIT Oyj (YIT) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of €1.76 versus a price of €3.64, about 52% lower (overvalued).
What is the fair value of YIT?
Our model-based fair value for YIT Oyj is €1.76 (as of Nov 6, 2026), built from audited fundamentals. The current price: €3.64.
What is the quality score of YIT?
YIT Oyj has a Quality Score of 49/100. 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 YIT Oyj (YIT)?
Our model-based price target is the fair value of €1.76 (as of Nov 6, 2026) from 9 valuation models. Cautious scenario €1.17, optimistic scenario €2.38. It is a calculation from audited fundamentals, not an analyst target.
What is the YIT Oyj stock forecast for 2026?
Our models put fair value at €1.76, about 52% lower versus a price of €3.64 (overvalued). Cautious scenario €1.17, optimistic scenario €2.38. The calculation is refreshed regularly with new filings.
What is the revenue of YIT Oyj (YIT)?
YIT Oyj reported trailing-twelve-month revenue of about €1.9B (latest available figure, as of Nov 6, 2026).
What growth is priced into YIT Oyj (YIT)?
For today's price to be fair in a discounted-cash-flow model, YIT Oyj would have to grow free cash flow by +37.4 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -10.6 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of YIT use?
Our models discount YIT Oyj at 10.5 %: a base by market capitalisation (small), damped by beta 0.70, 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 YIT Oyj that is +37.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.5 %) and the same formula as our fair value.
How much growth has YIT Oyj (YIT) delivered so far?
Over the past 5 years revenue at YIT Oyj grew -10.6 % a year. The price currently implies free-cash-flow growth of +37.4 % per 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 YIT Oyj (YIT) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into YIT Oyj (+37.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of YIT Oyj (YIT)?
The free-cash-flow yield on the price is 2.00 %: that much free cash flow YIT Oyj produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of YIT Oyj (YIT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For YIT Oyj it is €1.76 per share (as of Nov 6, 2026), against a price of €3.64. It is the blended result of 9 valuation models in 5 families (DCF Models, Earnings-Based, Asset-Based, Growth DCF, Economic Profit).
Is YIT Oyj stock overvalued or undervalued in 2026?
As of Nov 6, 2026, YIT trades above its calculated fair value: price €3.64, fair value €1.76, a gap of about −52% (overvalued). 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 YIT?
No. The price is what the market pays today (€3.64); the fair value is what the company's own numbers justify (€1.76). For YIT Oyj the two are €1.88 per share apart. That gap is exactly why we show both numbers side by side.
How much is YIT Oyj worth?
The market values YIT Oyj at about €800M (market capitalisation, as of Nov 6, 2026). Per share that is €3.64; our models calculate a fair value of €1.76 per share.
What do the bullish and bearish scenarios say about YIT?
Our models span a range for YIT Oyj: cautious scenario €1.17, base €1.76, optimistic €2.38 per share (as of Nov 6, 2026, price €3.64). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of YIT?
The PEG ratio of YIT Oyj is 0.90 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of YIT Oyj (YIT)?
Balance-sheet figures for YIT Oyj (as of Nov 6, 2026): return on equity −8.4%, debt of 0.46 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is YIT from its 52-week high?
YIT Oyj trades at €3.64, about 20% below its 52-week high of €4.56 and 48% above the low of €2.45 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €1.76 is for.
Which stocks are comparable to YIT Oyj?
From the same area (Industrials) we also value Quanta Services, Inc, Vinci SA, Larsen & Toubro Limited, Comfort Systems USA, Inc, 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 YIT Oyj stock attractive at the current price?
The data as of Nov 6, 2026: price €3.64, calculated fair value €1.76 (−52%), Quality Score 49/100, from 9 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 YIT calculated?
We run YIT Oyj through 9 models from 5 families: DCF Models, Earnings-Based, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of €1.76 builds on their evidence-weighted average, 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. YIT 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 YIT Oyj (YIT)?
The closing price on Nov 6, 2026 was €3.64. Our model-based fair value is €1.76, about 52% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with YIT Oyj right now?
The price sits above even our optimistic bull case (€2.38). The favourable scenario is already priced in. Weak quality (49/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (€1.17 to €2.38) leaves room in how you read the outcome.

Key figures of YIT Oyj

How large is the market capitalisation of YIT Oyj (YIT)?
The market capitalisation of YIT Oyj is €800M. 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 YIT Oyj (YIT)?
The price-to-sales ratio of YIT Oyj is 0.45 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of YIT Oyj (YIT)?
Earnings per share at YIT Oyj are €−0.3100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of YIT Oyj (YIT)?
The net margin of YIT Oyj is −3.2% (last twelve months). 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 YIT Oyj (YIT)?
The return on equity (ROE) of YIT Oyj is −8.4% (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 YIT Oyj (YIT)?
On an EBIT basis the return on assets of YIT Oyj is 1.4% (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 YIT Oyj (YIT)?
The operating margin of YIT Oyj is 1.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at YIT Oyj (YIT)?
Revenue at YIT Oyj is growing +32.6% versus a year earlier (3y avg −9.9%). 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 YIT Oyj (YIT)?
Earnings per share at YIT Oyj are growing −47.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does YIT Oyj (YIT) carry?
The net debt of YIT Oyj is €1.0B (fiscal year 2025, ≈ 64.5 yrs of FCF). 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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