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Toivo Group OyjOHEL:TOIVO -1.52%84 PB Ratio is 0.74 as of Aug. 19, 2026, which is 14% below its 10-year median of 0.86. GuruFocus rates OHEL:TOIVO with a GF Score™ of 84/100 and a GF Value™ of €1.65 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,713 Real Estate companies, Toivo Group Oyj ranks better than 53.88% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-19), Toivo Group Oyj's share price is €0.906. Toivo Group Oyj's Book Value per Share for the quarter that ended in Jun. 2026 was €1.22. Hence, Toivo Group Oyj's PB Ratio of today is 0.74.
Good Sign:
Toivo Group Oyj stock PB Ratio (=0.76) is close to 2-year low of 0.73.
The historical rank and industry rank for Toivo Group Oyj's PB Ratio or its related term are showing as below:
OHEL:TOIVO'
s PB Ratio Range Over the Past 10 Years
Min: 0.56 Med: 0.86 Max: 4.25
Current: 0.74
During the past 8 years, Toivo Group Oyj's highest PB Ratio was 4.25. The lowest was 0.56. And the median was 0.86.
OHEL:TOIVO's PB Ratio is ranked better than 53.88% of 1713
companies
in the Real Estate industry
Industry Median: 0.81
vs OHEL:TOIVO: 0.74
During the past 12 months, Toivo Group Oyj's average Book Value Per Share Growth Rate was 0.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 14.50% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Toivo Group Oyj was 265.00% per year. The lowest was -0.40% per year. And the median was 31.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Toivo Group Oyj PB Ratio Related Terms
Toivo Group Oyj PB Ratio Historical Data
* Premium members only.
The historical data trend for Toivo Group Oyj's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Real Estate - Diversified subindustry, Toivo Group Oyj's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Toivo Group Oyj PB Ratio vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Toivo Group Oyj's PB Ratio distribution charts can be found below:
* The bar in red indicates where Toivo Group Oyj's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Toivo Group Oyj's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Toivo Group Oyj (OHEL:TOIVO) has a PB Ratio of 0.74 as of Aug. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Toivo Group Oyj and its competitors. This is 14% below median its historical median of 0.86. Over the past decade, Toivo Group Oyj's PB Ratio has ranged from 0.56 to 4.25. According to the industry distribution chart, Toivo Group Oyj ranks #790 out of 1713 companies in the Real Estate industry, placing it in the top 46.1%.
Is Toivo Group Oyj's PB Ratio too high?
Toivo Group Oyj's current PB Ratio of 0.74 is 14% below median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 4.25. The Real Estate industry median PB Ratio is 0.81. Toivo Group Oyj's value of 0.74 is 8.6% below this industry median. Based on the distribution chart, Toivo Group Oyj ranks #790 out of 1713 companies in the Real Estate industry, which is above the industry midpoint. Overall, Toivo Group Oyj has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Toivo Group Oyj's PB Ratio compare to competitors?
According to the Real Estate industry distribution chart, Toivo Group Oyj ranks #790 out of 1713 companies for PB Ratio. This puts Toivo Group Oyj in the upper half of its industry. The industry median PB Ratio is 0.81. Toivo Group Oyj's value of 0.74 is 8.6% below this benchmark. Historically, Toivo Group Oyj's own PB Ratio has ranged from 0.56 to 4.25 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 0.81, Toivo Group Oyj has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Real Estate company?
The median PB Ratio among Real Estate companies is 0.81, based on 1,713 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Toivo Group Oyj's current PB Ratio of 0.74 is 8.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Toivo Group Oyj and its competitors. For the Real Estate industry, the median PB Ratio is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Toivo Group Oyj's current PB Ratio is 0.74, which is 14% below median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Toivo Group Oyj stock overvalued right now?
Based on GuruFocus' analysis, Toivo Group Oyj (OHEL:TOIVO) is currently considered Possible Value Trap. The stock's GF Value™ is €1.65, compared to a current price of €0.91 — trading 45.1% below its estimated fair value. The current PB Ratio is 0.74, which is 14% below median its 10-year median of 0.86 and 8.6% below the Real Estate industry median of 0.81. Toivo Group Oyj's overall GF Score™ is 84/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Toivo Group Oyj (OHEL:TOIVO), the current PB Ratio is 0.74 as of Aug. 19, 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 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 €0.91 is trading 45.1% below its estimated GF Value™ of €1.65.
GuruFocus considers Toivo Group Oyj to be Possible Value Trap.
Key valuation signals for OHEL:TOIVO:
PB Ratio: 0.74 (14% below median its 10-year median of 0.86)
GF Value™: €1.65 vs. price of €0.91 (45.1% below fair value)
Industry Position: 8.6% below the Real Estate median (#790 of 1713)
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 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
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