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TOIVO.HE$0.97+0.86%
Fair $0.97+0.0%

TOIVO.HE

Toivo Group Oyj

Real Estate / Real Estate - DiversifiedHelsinki

$0.97

+0.01 (+0.86%)

Fairly Valued+0.0%Fair Value $0.97Fund rank 22/100 · Data gapFallback financials|
SA 39/D
F-Score: 4/9
Margin Compression

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 14.0/100

Data gap 22/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 7/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

39/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific NAV/AFFO model required: REIT/real-estate targets are disabled until FFO/AFFO/NAV/cap-rate data exists. REIT NAV/AFFO valuation requires positive AFFO/share history or TTM AFFO/share; generic FCF remains disabled. Operating margin has declined for 3 consecutive years
Thesis & Journal · TOIVO.HELocal privado en este navegador · Toivo Group Oyj
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$57M

P/E

19.3x

↑

EV/EBITDA

13.6x

↑

ROE

5.8%

↑

Gross Margin

26.5%

↓

Debt/Equity

0.93

↑
52-Week Range$1
$1$1

TradingView lightweight chart

TOIVO.HE price, volumen y niveles de valoración

Último $0.940Periodo -63.1%
Fair value: $0.966

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+44.8%

FCF CAGR

—

FCF margin

-6.0%

FCF / Net income

-0.87x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $61.7M · net income $4.3M · FCF $-3.7M

2022-FY → 2025-FY

Gross margin

26.5%-6.1% pts

Operating margin

10.1%-5.9% pts

Net margin

6.9%-52.4% pts

FCF margin

-6.0%+41.6% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$61.7M$61.7M$39.8M$43.7M$20.3M
Net Income$4.3M$4.3M$747000.00$-4.4M$12.1M
EBITDA$8.2M$8.2M$4.5M$-551000.00$16.1M
EPS0.070.070.01-0.080.22
Gross Margin26.5%26.5%30.5%25.5%32.6%
Operating Margin10.1%10.1%12.7%15.6%16.1%
Net Margin6.9%6.9%1.9%-10.1%59.4%
Balance Sheet
Debt/Equity0.930.930.841.381.41
Current Ratio2.452.45———
Cash Flow
Free Cash Flow$-3.7M$-3.7M$3.2M$4.8M$-9.7M
Returns
ROE5.8%5.8%1.1%-6.5%17.3%
Valuation
P/E19.3219.32102.50—5.80
EV/EBITDA13.6113.6123.65—10.02
P/B0.780.780.870.970.99
Growth & Yield
Revenue Growth55.0%55.0%-8.9%115.0%—
EPS Growth600.0%600.0%112.5%-136.4%—
Dividend Yield3.2%3.2%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

7.0%

razonable

EPS terminal req.

$0.09

Spread vs growth

593.0%

5Y implied EPS CAGR

8.2%

razonable

EPS terminal req.

$0.10

Spread vs growth

591.8%

10Y implied EPS CAGR

9.1%

razonable

EPS terminal req.

$0.17

Spread vs growth

590.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -1.9%

Total return

-1.9%

Start / end P/E

99.0x → 13.4x

EPS bridge

0.01 → 0.07

Residual

-518.6%

EPS growth+600.0%
Multiple rerating-86.4%
Dividend+3.2%
Residual / FX / buybacks / cross-term-518.6%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.