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UPM-Kymmene Oyj has the Financial Strength Rank of 6.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
UPM-Kymmene Oyj's Interest Coverage for the quarter that ended in Jun. 2026 was 9.41.
UPM-Kymmene Oyj's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.41.
As of today, UPM-Kymmene Oyj's Altman Z-Score is 2.23.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
UPM-Kymmene Oyj has the Financial Strength Rank of 6.
UPM-Kymmene Oyj Financial Strength Related Terms
HAM:RPL vs SLVM: Financial Strength Comparison
For the Paper & Paper Products subindustry, UPM-Kymmene Oyj's Financial Strength, along with its competitors' market caps and Financial Strength 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.
UPM-Kymmene Oyj Financial Strength vs Forest Products Industry
For the Forest Products industry and Basic Materials sector, UPM-Kymmene Oyj's Financial Strength distribution charts can be found below:
* The bar in red indicates where UPM-Kymmene Oyj's Financial Strength falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
UPM-Kymmene Oyj has a Z-score of 2.23, indicating it is in Grey Zones. This implies that UPM-Kymmene Oyj is in some kind of financial stress. If it is below 1.81, the company may faces bankrupcy risk.
Warning Sign:
Altman Z-score of 2.23 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.
* 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.
UPM-Kymmene Oyj (HAM:RPL) has a Financial Strength of 6 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on UPM-Kymmene Oyj and its competitors. This is near median its historical median of 6.00. Over the past decade, UPM-Kymmene Oyj's Financial Strength has ranged from 5.00 to 6.00.
Is UPM-Kymmene Oyj's Financial Strength too high?
UPM-Kymmene Oyj's current Financial Strength of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 6.00. Overall, UPM-Kymmene Oyj has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UPM-Kymmene Oyj's Financial Strength compare to SLVM?
UPM-Kymmene Oyj's Financial Strength of 6 can be compared against companies in the Forest Products industry. Historically, UPM-Kymmene Oyj's own Financial Strength has ranged from 5.00 to 6.00 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 Financial Strength for a Forest Products company?
A good Financial Strength depends on the Forest Products industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on UPM-Kymmene Oyj and its competitors. UPM-Kymmene Oyj's current Financial Strength is 6, which is near median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UPM-Kymmene Oyj stock overvalued right now?
Based on GuruFocus' analysis, UPM-Kymmene Oyj (HAM:RPL) is currently considered Fairly Valued. The stock's GF Value™ is €25.30, compared to a current price of €22.98 — trading 9.2% below its estimated fair value. The current Financial Strength is 6, which is near median its 10-year median of 6.00. UPM-Kymmene Oyj's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For UPM-Kymmene Oyj (HAM:RPL), the current Financial Strength is 6 as of Jun. 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 UPM-Kymmene Oyj (HAM:RPL) Overvalued in 2026?
Based on GuruFocus' analysis, UPM-Kymmene Oyj stock appears to be undervalued.
The current stock price of €22.98 is trading 9.2% below its estimated GF Value™ of €25.30.
GuruFocus considers UPM-Kymmene Oyj to be Fairly Valued.
Key valuation signals for HAM:RPL:
Financial Strength: 6 (near median its 10-year median of 6.00)
GF Value™: €25.30 vs. price of €22.98 (9.2% below fair value)
No single metric tells the full story. See the HAM:RPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UPM-Kymmene Oyj is a Finnish paper and biomaterials company. The company produces products related to the forestry industry, including paper, pulp, and plywood. UPM is also the majority electricity generator in Finland and is one of the globalised producers of self-adhesive labeling materials. It delivers responsible solutions and innovation for a future beyond fossils across six business areas: UPM Fibres, UPM Energy, UPM Raflatac, UPM Specialty Papers, UPM Communication Papers, and UPM Plywood. Geographically, the company has operational footprints in Sweden, Finland, the Netherlands, and other regions.
57GF Score
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