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LHV Group AS has the GF Score of 80, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes LHV Group AS
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
LHV Group AS GF Score Related Terms
OTSE:LHV1T vs PNC, USB: GF Score Comparison
For the Banks - Regional subindustry, LHV Group AS's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LHV Group AS GF Score vs Banks Industry
For the Banks industry and Financial Services sector, LHV Group AS's GF Score distribution charts can be found below:
* The bar in red indicates where LHV Group AS's GF Score falls into.
LHV Group AS (OTSE:LHV1T) has a GF Score of 80 as of Aug. 22, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on LHV Group AS and its competitors. This is 29% above median its historical median of 62.00. Over the past decade, LHV Group AS's GF Score has ranged from 1.00 to 98.00.
Is LHV Group AS's GF Score too high?
LHV Group AS's current GF Score of 80 is 29% above median its 10-year median of 62.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 98.00. Overall, LHV Group AS has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LHV Group AS's GF Score compare to PNC and USB?
LHV Group AS's GF Score of 80 can be compared against companies in the Banks industry. Historically, LHV Group AS's own GF Score has ranged from 1.00 to 98.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on LHV Group AS and its competitors. LHV Group AS's current GF Score is 80, which is 29% above median its own 10-year median of 62.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LHV Group AS stock overvalued right now?
Based on GuruFocus' analysis, LHV Group AS (OTSE:LHV1T) is currently considered Fairly Valued. The stock's GF Value™ is €3.39, compared to a current price of €3.34 — trading 1.6% below its estimated fair value. The current GF Score is 80, which is 29% above median its 10-year median of 62.00. LHV Group AS's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For LHV Group AS (OTSE:LHV1T), the current GF Score is 80 as of Aug. 22, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is LHV Group AS (OTSE:LHV1T) Overvalued in 2026?
Based on GuruFocus' analysis, LHV Group AS stock appears to be undervalued.
The current stock price of €3.34 is trading 1.6% below its estimated GF Value™ of €3.39.
GuruFocus considers LHV Group AS to be Fairly Valued.
Key valuation signals for OTSE:LHV1T:
GF Score: 80 (29% above median its 10-year median of 62.00)
GF Value™: €3.39 vs. price of €3.34 (1.6% below fair value)
No single metric tells the full story. See the OTSE:LHV1T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LHV Group AS operates as a holding company. The Group provides a wide range of financial services, including banking, investment and asset management, insurance, and other financial services in Estonia and the United Kingdom. It operates through its subsidiaries: LHV Pank, LHV Bank, LHV Varahaldus, LHV Kindlustus, and Other. The LHV Pank segment, contributes the maximum share of the Group's revenue, includes retail and corporate banking services in Estonia, offering loans, payment solution, investment, and savings products. LHV Bank offers banking services to financial intermediaries and fintech companies, SME lending, and retail banking in the United Kingdom. LHV Varahaldus is engaged in pension fund and asset management. LHV Kindlustus offers a range of non-life insurance products.
80GF Score
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