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TOIVO
Toivo Group Oyj – HEL
Weekly Share Price & Valuation Overview
Market Overview
Open
0.9780
Close
0.9600
High
1.0200
Low
0.9600
Trend
0.51873
Toivo Group Oyj
Finland
• HEL - Nasdaq Helsinki
• TOIVO
• Currency: EUR
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 family homes. 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.
Key strengths
- Healthy operating margin (≥15%) indicates efficient core operations.
- Earnings growth ≥10% supports improving profitability trajectory.
- Quick ratio ≥1.0 indicates obligations can be met without inventory.
Potential weaknesses
- Debt/EBITDA >4 — elevated leverage vs earnings capacity.
- Negative free cash flow — operations may rely on external financing.
Scale & Structure
Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
- Market Cap Total equity value of the company (share price × shares outstanding).
- EUR 55.66M
- Enterprise Value Operating value: market cap + total debt − cash.
- EUR 122.22M
- Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
- EUR 34.61M
- Gross Profit (TTM) Revenue minus cost of goods sold over the last twelve months. Hidden for financial institutions or if redundant.
- EUR 9.63M
- EBITDA (TTM) Earnings before interest, taxes, depreciation and amortization (TTM). Hidden for financials or if implausible.
- EUR 5.75M
- Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
- EUR 0.61
- EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
- 0.04
- Shares Outstanding
- 58.46M
- Float Shares
- 10.71M
- Implied Shares Outstanding
- 61.98M
Profitability & Efficiency
TTM basis. “Reconciled” = numerator ÷ TTM revenue. Margins reflect latest TTM calculations.
- Operating Margin (TTM) Strong Operating income ÷ revenue over the last twelve months (reconciled when possible).
-
19.15%
- EBITDA Margin (TTM) Reconciled EBITDA ÷ revenue over the last twelve months (suppressed if EBITDA implausible/financials).
-
16.62%
- Gross Margin (TTM) Reconciled Gross profit ÷ revenue over the last twelve months (reconciled when possible).
-
27.82%
- Profit Margin (TTM) Net income ÷ revenue over the last twelve months (reconciled when possible).
-
5.48%
- ROA Return on assets: net income ÷ total assets.
-
2.11%
- ROE Return on equity: net income ÷ shareholder equity.
-
2.75%
Growth
Growth rates are YoY unless labeled QoQ.
- Revenue Growth Year-over-year revenue growth.
-
-35.60%
- Earnings Growth (YoY) Strong Year-over-year earnings growth.
-
83.70%
- Earnings Growth (QoQ) Quarter-over-quarter earnings growth.
-
97.50%
Liquidity & Solvency
Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
- Quick Ratio Adequate Liquid current assets ÷ current liabilities (ex-inventory).
- 1.17
- Debt to Equity Total debt ÷ shareholder equity; leverage.
- 1.05
- Total Cash Cash and equivalents.
- EUR 9.17M
- Total Debt Short + long-term interest-bearing debt.
- EUR 74.57M
- Net Debt Total debt − cash (negative = net cash).
- EUR 65.39M
- Debt / EBITDA Leverage relative to operating earnings; lower is safer.
- 12.96
Cash Flow
Shown only when internally consistent; margins are TTM.
- Operating Cash Flow (TTM) Cash generated by core operations (pre-capex).
- EUR -8.47M
- Free Cash Flow (TTM) Cash after capex; funds buybacks, dividends, and debt paydown.
- EUR -11.18M
- OCF Margin (TTM) Operating cash flow ÷ revenue (TTM).
-
-24.47%
- FCF Margin (TTM) Free cash flow ÷ revenue (TTM).
-
-32.30%
- Cash Conversion (OpCF/EBITDA)
- -1.47
Sharemaestro House View
Confidence: 1
Sharemaestro internal conviction (0–3, higher is better).
Risk: 1
Sharemaestro internal risk profile (0–3, higher is safer).
Composite Score: 1
Overall internal composite (0–3, higher is better).
Suggested Allocation: 1.67%
Indicative portfolio weighting suggestion based on house view.
Structural Insights
(experimental)
Ownership & Liquidity
Free Float
Proportion of shares available for public trading.
18.3%
Insiders
Shares held by company insiders (officers, directors).
78.1%
Institutions
Shares held by institutions (funds, pensions).
4.1%
Capital Structure
Potential Dilution
Increase in share count if options/convertibles exercise.
6.0%
Net Debt
Total debt − cash (negative = net cash).
EUR 65.39M
188.9% of revenue
Net debt relative to revenue — debt load vs business scale.
Resilience Score
0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating.
22
Methodology Notes
- Margins shown on a TTM basis. “Reconciled” = numerator ÷ TTM revenue for internal consistency.
- Cash Flow section is displayed only when figures are self-consistent (and hidden for financials).
As of: 2025-08-19 09:41
Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.
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