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

As of Sep 23, 2026: fair value of YIT Oyj €1.66, price €3.80, upside -56.3%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Industrials · FI · ISIN FI0009800643

YO YIT Oyj logo Some data Sep 23, 2026

YIT Oyj

YIT · HE

Weakest SetupStrongly overvalued and low quality.

!Fair value €1.66 · Strongly overvalued (−56%)
!Quality 41/100
!Weak Growth (revenue 5y −10.6 %/yr)
!Loss-making · -3.1% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers (2/13)
!Narrow moat 18/100
!Insider activity 45/100
!Evidence only medium, so the estimate is less certain
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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

€4.59 €1.58 Fair Value €1.66 Jun 2021 Sep 2026

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 €1.58 – €4.59 · fair‑value band €1.09 – €2.28 · the €3.80 price screens above the €1.66 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. Dashed = 300-day average. As of Sep 23, 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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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. 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 €3.80, while our model-based Fair Value estimate is €1.66, implying the stock looks roughly 128.9% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of €1.94 per share, and 0 of the 12 models we run sit above the €3.80 price.

Bear case: the DCF Models group reads lowest at €1.66, and 12 of the 12 models stay below the price. Evidence for this calculation is medium.

Scenario range: €1.09 (bear) to €2.28 (bull), the price of €3.80 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 41/100 (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 €876M · P/S ratio 0.33 · EPS (TTM) €−0.2800 · Net margin −1.4% · Return on equity −7.4% · Return on assets (EBIT) 1.4% · Operating margin −0.8% · Revenue (TTM) €1.7B.

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 2% below its 52-week high and 55% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −31% fair-value upside, at −56%, YIT screens richer than that median.

Fair Value models

Bear €1.09 Fair Value €1.66 Bull €2.28
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. 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.
Highest evidence
FCF DCF €1.09 €1.66 €2.61 79
Growth DCF €1.15 €1.69 €2.52 78
5Y EBITDA Exit €1.17 €2.06 €3.23 73
All 12 models by family
DCF Models
FCF DCF €1.09 €1.66 €2.61 79
5Y Revenue Exit €0.7900 €1.39 €2.27 71
5Y EBITDA Exit €1.17 €2.06 €3.23 73
10Y Revenue Exit €0.8800 €1.31 €1.76 67
10Y EBITDA Exit €1.12 €1.68 €2.27 69
Earnings-Based
EPV €0.0100 €0.1200 €0.2100 65
Multiples
EV/EBIT €1.26 €1.94 €2.62 65
EV/EBITDA €1.58 €2.37 €3.16 66
EV/Revenue €0.6700 €1.30 €1.92 51
Asset-Based
NCAV (Graham) €1.40 €1.88 €2.81 54
Growth DCF
Growth DCF €1.15 €1.69 €2.52 78
Economic Profit
ROIC Compounder €0.0100 €0.1200 €0.2100 65

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Quality Score breakdown

Overall quality 41/100

Of which business quality 40 · Market factors (momentum, volatility) 75

Profitability 18
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 40
Earnings quality: real cash, not paper profit
Fin. Strength 26
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 81
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 39
Share count: buybacks or dilution?

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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).
+40.2%
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.
+6.5%
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 +37.2% a year for the price and +4.2% for the forecasts.
Forecast 2026 (sales)+7.9%
Forecast 2027 (sales)+7.1%
Projected 2028 (sales)+6.5%
Projected 2029 (sales)+5.8%
Projected 2030 (sales)+5.2%

YIT screens 129% overvalued. 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 · 822 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 41 · Below median
Fair Value upside −56% · Bottom 25%
Profitability
Return on assets 1% · Below median
Net margin (TTM) −3% · Bottom 25%
Operating margin (TTM) −1% · Bottom 25%
Growth and dividend
Revenue growth −3% · Below median
Balance sheet
Debt / equity 0.46× · Above median

Valuation Multiplesvs Engineering & Construction median · lower = cheaper

P/B 1.54× · Pricier than median
P/S (TTM) 0.57× · Cheaper than median
P/FCF 62.3× · Priciest 25%
EV/EBITDA 31.0× · 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 24
FUTURE (revenue growth)0 · sector 13
PAST (return on equity)0 · sector 27
HEALTH (low debt)77 · sector 94
DIVIDEND (yield)0 · sector 40

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
Quanta Services, Inc PWR $642.63 $163.08 −75%
Vinci SA DG €112.30 €185.62 +65%
Comfort Systems USA, Inc FIX $1,625 $1,122 −31%
Larsen & Toubro Limited LT ₹3,866 ₹1,994 −48%
Ferrovial N.V FER $56.30 $24.01 −57%
Samsung C&T Corporation 028260 367,000 KRW 264,296 KRW −28%
HOCHTIEF Aktiengesellschaft HOT €403.60 €203.87 −49%
ACS, Actividades de Construcción y Servicios, S.A ACS €95.95 €75.04 −22%
EMCOR Group EME $756.50 $521.87 −31%
MasTec, Inc MTZ $221.69 $106.05 −52%

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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 Sep 23, 2026, our model estimates a fair value of €1.66 versus a price of €3.80, about −56% upside (overvalued).
What is the fair value of YIT?
Our model-based fair value for YIT Oyj is €1.66 (as of Sep 23, 2026), built from audited fundamentals. The current price: €3.80.
What is the quality score of YIT?
YIT Oyj 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 price target for YIT Oyj (YIT)?
Our model-based price target is the fair value of €1.66 (as of Sep 23, 2026) from 12 valuation models. Cautious scenario €1.09, optimistic scenario €2.28. 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 €1.66, about −56% upside versus a price of €3.80 (overvalued). Cautious scenario €1.09, optimistic scenario €2.28. 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 €1.7B (latest available figure, as of Sep 23, 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 +40.2 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -10.6 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of YIT use?
Our models discount YIT Oyj at 11.0 %: a base by market capitalisation (small), damped by beta 0.87, 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 +40.2 % per year a year over ten years, using the same discount rate (11.0 %) 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 +40.2 % 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 YIT Oyj (YIT) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into YIT Oyj (+40.2 % 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 YIT Oyj (YIT)?
The free-cash-flow yield on the price is 1.83 %: that much free cash flow YIT Oyj produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), 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 €1.66 per share (as of Sep 23, 2026), against a price of €3.80. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is YIT Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, YIT trades above its calculated fair value: price €3.80, fair value €1.66, a gap of about −56% (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 (€3.80); the fair value is what the company's own numbers justify (€1.66). For YIT Oyj the two are €2.14 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 €876M (market capitalisation, as of Sep 23, 2026). Per share that is €3.80; our models calculate a fair value of €1.66 per share.
What do the bullish and bearish scenarios say about YIT?
Our models span a range for YIT Oyj: cautious scenario €1.09, base €1.66, optimistic €2.28 per share (as of Sep 23, 2026, price €3.80). 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 Sep 23, 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 Sep 23, 2026): return on equity −7.4%, debt of 0.46 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is YIT from its 52-week high?
YIT Oyj trades at €3.80, about 2% below its 52-week high of €3.88 and 55% above the low of €2.45 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €1.66 is for.
Which stocks are comparable to YIT Oyj?
From the same area (Industrials) we also value Quanta Services, Inc, Vinci SA, Comfort Systems USA, Inc, Larsen & Toubro 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 YIT Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €3.80, calculated fair value €1.66 (−56%), Quality Score 41/100, from 12 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 12 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 €1.66, 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 14.1 % 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 Sep 23, 2026 was €3.80. Our model-based fair value is €1.66, about −56% upside (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 (€2.28). 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. A fairly wide model range (€1.09 to €2.28) 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 €876M. 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 0.33 (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 €−0.2800. 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 −1.4% (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 YIT Oyj (YIT)?
The return on equity (ROE) of YIT Oyj is −7.4% (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 −0.8% (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 −3.4% 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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