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Toivo Group OyjOHEL:TOIVO -1.08%84 ROE % is 2.00% as of Jun. 2026, which is 87% below its 10-year median of 15.43. 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 1,735 Real Estate companies, Toivo Group Oyj ranks better than 51.41% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Toivo Group Oyj ROE % Related Terms
Toivo Group Oyj ROE % Historical Data
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The historical data trend for Toivo Group Oyj's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Toivo Group Oyj's ROE % distribution charts can be found below:
* The bar in red indicates where Toivo Group Oyj's ROE % falls into.
* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Toivo Group Oyj (OHEL:TOIVO) has a ROE % of 2.00% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Toivo Group Oyj and its competitors. This is 87% below median its historical median of 15.43. According to the industry distribution chart, Toivo Group Oyj ranks #843 out of 1735 companies in the Real Estate industry, placing it in the top 48.6%.
Is Toivo Group Oyj's ROE % too high?
Toivo Group Oyj's current ROE % of 2.00% is 87% below median its 10-year median of 15.43. The Real Estate industry median ROE % is 4.30. Toivo Group Oyj's value of 2.00% is 53.5% below this industry median. Based on the distribution chart, Toivo Group Oyj ranks #843 out of 1735 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 ROE % compare to competitors?
According to the Real Estate industry distribution chart, Toivo Group Oyj ranks #843 out of 1735 companies for ROE %. This puts Toivo Group Oyj in the upper half of its industry. The industry median ROE % is 4.30. Toivo Group Oyj's value of 2.00% is 53.5% below this benchmark. While the company's 10-year median is 15.43 vs. the industry median of 4.30, 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 ROE % for a Real Estate company?
The median ROE % among Real Estate companies is 4.30, based on 1,735 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Toivo Group Oyj's current ROE % of 2.00% is 53.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Toivo Group Oyj and its competitors. For the Real Estate industry, the median ROE % is 4.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Toivo Group Oyj's current ROE % is 2.00%, which is 87% below median its own 10-year median of 15.43. 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 €0.92 — trading 44.2% below its estimated fair value. The current ROE % is 2.00%, which is 87% below median its 10-year median of 15.43 and 53.5% below the Real Estate industry median of 4.30. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Toivo Group Oyj (OHEL:TOIVO), the current ROE % is 2.00% 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 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:
ROE %: 2.00% (87% below median its 10-year median of 15.43)
GF Value™: €1.65 vs. price of €0.92 (44.2% below fair value)
Industry Position: 53.5% below the Real Estate median (#843 of 1735)
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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