Toivo Group Oyj (OHEL:TOIVO) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OHEL:TOIVO Toivo Group Oyj OHEL:TOIVO
84 GF Score
Price €0.92
GF Value €1.65
Valuation Possible Value Trap
! 5 Warning Signs
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What is Toivo Group Oyj Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

OHEL:TOIVO
84GF Score
Toivo Group Oyj OHEL:TOIVO
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Toivo Group Oyj (OHEL:TOIVO) Overvalued in 2026?

Based on GuruFocus' analysis, Toivo Group Oyj stock appears to be undervalued. The current stock price of €0.92 is trading 44.2% below its estimated GF Value™ of €1.65. GuruFocus considers Toivo Group Oyj to be Possible Value Trap.

Key valuation signals for OHEL:TOIVO:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €1.65 vs. price of €0.92 (44.2% below fair value)
  • GF Score™: 84/100 with 5 warning signs

No single metric tells the full story. See the OHEL:TOIVO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Toivo Group Oyj Business Description

Address Gransinmaki 6, Espoo, FIN, 02650
Toivo Group Oyj specializes in construction, real estate development, and property ownership. It develops, builds, owns, and sells apartments, plots, community properties, and business premises. The company generates maximum revenue from project management contracting, and the rest through sales of properties, lease income, real estate development services, and other sales. The firm generates all of its revenue in Finland.
84GF Score

Get the complete analysis for OHEL:TOIVO

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.92
Price
€1.65
GF Value