Lumo Kodit Oyj (FRA:V4OC) Return-on-Tangible-Equity: -1.86% (As of Mar. 2026)


FRA:V4OC Lumo Kodit Oyj FRA:V4OC
66 GF Score
Price €7.17
GF Value €10.12
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Lumo Kodit Oyj Return-on-Tangible-Equity?

Lumo Kodit Oyj FRA:V4OC -4.85% 66 Return-on-Tangible-Equity is -1.86% as of Mar. 2026. GuruFocus rates FRA:V4OC with a GF Score™ of 66/100 and a GF Value™ of €10.12 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,714 Real Estate companies, Lumo Kodit Oyj ranks worse than 70.19% on this metric.

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Lumo Kodit Oyj's annualized net income for the quarter that ended in Mar. 2026 was €-66.4 Mil. Lumo Kodit Oyj's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €3,570.1 Mil. Therefore, Lumo Kodit Oyj's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -1.86%.

The historical rank and industry rank for Lumo Kodit Oyj's Return-on-Tangible-Equity or its related term are showing as below:

FRA:V4OC' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.87   Med: 9.94   Max: 30.29
Current: 0.36

During the past 11 years, Lumo Kodit Oyj's highest Return-on-Tangible-Equity was 30.29%. The lowest was -9.87%. And the median was 9.94%.

FRA:V4OC's Return-on-Tangible-Equity is ranked worse than
70.19% of 1714 companies
in the Real Estate industry
Industry Median: 4.325 vs FRA:V4OC: 0.36

Lumo Kodit Oyj  (FRA:V4OC) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Lumo Kodit Oyj Return-on-Tangible-Equity Related Terms


Lumo Kodit Oyj Return-on-Tangible-Equity Historical Data

* Premium members only.

The historical data trend for Lumo Kodit Oyj's Return-on-Tangible-Equity 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.

Lumo Kodit Oyj Return-on-Tangible-Equity Chart

Lumo Kodit Oyj Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.03 -9.87 -2.38 0.58 0.58

Lumo Kodit Oyj Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.99 -1.15 2.89 1.55 -1.86

FRA:V4OC vs CBRE, BEKE, JLL: Return-on-Tangible-Equity Comparison

For the Real Estate Services subindustry, Lumo Kodit Oyj's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.


Lumo Kodit Oyj Return-on-Tangible-Equity vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Lumo Kodit Oyj's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Lumo Kodit Oyj's Return-on-Tangible-Equity falls into.


FRA:V4OC
66GF Score
Lumo Kodit Oyj FRA:V4OC
Return-on-Tangible-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Lumo Kodit Oyj Return-on-Tangible-Equity Calculation

Lumo Kodit Oyj's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=20.8/( (3628.7+3592.6 )/ 2 )
=20.8/3610.65
=0.58 %

Lumo Kodit Oyj's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=-66.4/( (3592.6+3547.5)/ 2 )
=-66.4/3570.05
=-1.86 %

* 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.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2026) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.

What does a Return-on-Tangible-Equity of -1.86% mean?
Lumo Kodit Oyj (FRA:V4OC) has a Return-on-Tangible-Equity of -1.86% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Lumo Kodit Oyj and its competitors. According to the industry distribution chart, Lumo Kodit Oyj ranks #1203 out of 1714 companies in the Real Estate industry, placing it in the top 70.2%.
Is Lumo Kodit Oyj's Return-on-Tangible-Equity too high?
Lumo Kodit Oyj's current Return-on-Tangible-Equity is -1.86%. Based on the distribution chart, Lumo Kodit Oyj ranks #1203 out of 1714 companies in the Real Estate industry, which is below the industry midpoint. Overall, Lumo Kodit Oyj has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lumo Kodit Oyj's Return-on-Tangible-Equity compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, Lumo Kodit Oyj ranks #1203 out of 1714 companies for Return-on-Tangible-Equity. This places Lumo Kodit Oyj in the lower half of its industry. The industry median Return-on-Tangible-Equity is 4.33. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Real Estate company?
The median Return-on-Tangible-Equity among Real Estate companies is 4.33, based on 1,714 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Lumo Kodit Oyj and its competitors. For the Real Estate industry, the median Return-on-Tangible-Equity is 4.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumo Kodit Oyj's current Return-on-Tangible-Equity is -1.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lumo Kodit Oyj stock overvalued right now?
Based on GuruFocus' analysis, Lumo Kodit Oyj (FRA:V4OC) is currently considered Modestly Undervalued. The stock's GF Value™ is €10.12, compared to a current price of €7.17 — trading 29.2% below its estimated fair value. The current Return-on-Tangible-Equity is -1.86%. Lumo Kodit Oyj's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Lumo Kodit Oyj (FRA:V4OC), the current Return-on-Tangible-Equity is -1.86% as of Mar. 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 Lumo Kodit Oyj (FRA:V4OC) Overvalued in 2026?

Based on GuruFocus' analysis, Lumo Kodit Oyj stock appears to be undervalued. The current stock price of €7.17 is trading 29.2% below its estimated GF Value™ of €10.12. GuruFocus considers Lumo Kodit Oyj to be Modestly Undervalued.

Key valuation signals for FRA:V4OC:

  • Return-on-Tangible-Equity: -1.86%
  • GF Value™: €10.12 vs. price of €7.17 (29.2% below fair value)
  • GF Score™: 66/100 with 6 warning signs

No single metric tells the full story. See the FRA:V4OC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Lumo Kodit Oyj Business Description

Other Exchanges LUMOh:UK0A0E:UKLUMO:Finland
Address Mannerheimintie 168a, P.O. Box 40, Helsinki, FIN, 00300
Lumo Kodit Oyj is a housing investment company that owns and manages residential properties in Finland. Its portfolio is located in various urban areas with access to transport and services. The company focuses on rental housing and incorporates digital and operational solutions to support property management and tenant services.
66GF Score

Get the complete analysis for FRA:V4OC

Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.17
Price
€10.12
GF Value