LUMO Stock Analysis: LUMO KODIT | HE
Real Estate Services | HE, Finland | Market Cap: 1.945m EUR | 12M Return: -32.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.42M
EPS Trend: -98.1%
Qual. Beats: -1
Rev. Trend: 84.9%
Warnings
Tailwinds
No distinct edge detected
Seasonality 8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Lumo Kodit Oyj is a Finnish private housing investment company that rents apartments and offers housing services under the Lumo brand. In addition to its core rental business, the company provides broadband internet connections and car sharing services to its tenants. The firm was originally founded in 1969 as Kojamo Oyj and adopted its current name in March 2026, and it is headquartered in Helsinki.
The company operates within Finlands residential real estate sector, which is characterized by a comparatively high share of rental housing in major urban centers such as Helsinki, Tampere, and Turku. Its bundled service offering, combining housing with utilities and mobility services, reflects a broader trend among large Nordic landlords toward providing integrated, subscription-based living solutions rather than standalone rental contracts.
- Rental income rises on annual inflation-linked rent increases
- Fair value gains on investment properties boost net result
- Interest expenses climb as floating rate debt refinances higher
| Net Income: 13.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.49 > 1.0 |
| NWC/Revenue: -61.52% < 20% (prev -31.50%; Δ -30.02% < -1%) |
| CFO/TA 0.01 > 3% & CFO 109.7m > Net Income 13.1m |
| Net Debt (3.26b) to EBITDA (160.0m): 20.40 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (240.3m) vs 12m ago -2.75% < -2% |
| Gross Margin: 67.44% > 18% (prev 67.29%; Δ 0.15% > 0.5%) |
| Asset Turnover: 5.66% > 50% (prev 5.46%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 1.26 > 6 (EBIT TTM 151.6m / Interest Expense TTM 120.6m) |
| A: -0.04 (Total Current Assets 82.4m - Total Current Liabilities 361.1m) / Total Assets 7.68b |
| B: 0.43 (Retained Earnings 3.28b / Total Assets 7.68b) |
| C: 0.02 (EBIT TTM 151.6m / Avg Total Assets 8.00b) |
| D: 0.86 (Book Value of Equity 3.55b / Total Liabilities 4.14b) |
| Altman-Z'' = 2.18 = BBB |
| DSRI: 0.90 (Receivables 10.8m/12.0m, Revenue 453.0m/454.3m) |
| GMI: 1.00 (GM 67.29% / 67.44%) |
| AQI: 1.03 (AQ_t 0.99 / AQ_t-1 0.96) |
| SGI: 1.00 (Revenue 453.0m / 454.3m) |
| TATA: -0.01 (NI 13.1m - CFO 109.7m) / TA 7.68b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of July 14, 2026, the stock is trading at EUR 7.42 with a total of 213,836 shares traded. Over the past week, the price has changed by -2.56%, over one month by +2.91%, over three months by -11.14% and over the past year by -32.24%.
Current recommended Stop Loss: 7.10 (which is 4.3% or 1.7 ATR below the current price).
LUMO KODIT has no consensus analysts rating.
P/E Trailing = 146.9
P/S = 4.306
P/B = 0.5691
Revenue TTM = 453.0m EUR
EBIT TTM = 151.6m EUR
EBITDA TTM = 160.0m EUR
Long Term Debt = 3.11b EUR (from longTermDebt, last quarter)
Short Term Debt = 45.5m EUR (from shortTermDebt, last quarter)
Debt = 3.31b EUR (from shortLongTermDebtTotal, last quarter) + Leases 76.8m
Net Debt = 3.26b EUR (calculated: Debt 3.31b - CCE 46.6m)
Enterprise Value = 5.21b EUR (1.95b + Debt 3.31b - CCE 46.6m)
Interest Coverage Ratio = 1.26 (Ebit TTM 151.6m / Interest Expense TTM 120.6m)
EV/FCF = 246.8x (Enterprise Value 5.21b / FCF TTM 21.1m)
FCF Yield = 0.41% (FCF TTM 21.1m / Enterprise Value 5.21b)
FCF Margin = 4.66% (FCF TTM 21.1m / Revenue TTM 453.0m)
Net Margin = 2.89% (Net Income TTM 13.1m / Revenue TTM 453.0m)
Gross Margin = 67.44% ((Revenue TTM 453.0m - Cost of Revenue TTM 147.5m) / Revenue TTM)
Gross Margin QoQ = 54.06% (prev 68.13%)
Tobins Q-Ratio = 0.68 (Enterprise Value 5.21b / Total Assets 7.68b)
Interest Expense / Debt = 3.64% (Interest Expense 120.6m / Debt 3.31b)
Taxrate = 22.35% (3.80m / 17.0m)
NOPAT = 117.7m (EBIT 151.6m * (1 - 22.35%))
Current Ratio = 0.18 (Total Current Assets 82.4m / Total Current Liabilities 468.9m)
Debt / Equity = 0.93 (Debt 3.31b / totalStockholderEquity, last quarter 3.55b)
Debt / EBITDA = 20.40 (Net Debt 3.26b / EBITDA 160.0m)
Debt / FCF = 154.7 (Net Debt 3.26b / FCF TTM 21.1m)
Total Stockholder Equity = 3.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.16% (Net Income 13.1m / Total Assets 7.68b)
RoE = 0.36% (Net Income TTM 13.1m / Total Stockholder Equity 3.59b)
RoCE = 2.26% (EBIT 151.6m / Capital Employed (Equity 3.59b + L.T.Debt 3.11b))
RoIC = 1.54% (NOPAT 117.7m / Invested Capital 7.66b)
WACC = 3.97% (E(1.95b)/V(5.26b) * Re(5.90%) + D(3.31b)/V(5.26b) * Rd(3.64%) * (1-Tc(0.22)))
Discount Rate = 5.90% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -73.03 | Cagr: -1.23%
[DCF] Terminal Value 75.44% ; FCFF base≈21.1m ; Y1≈21.2m ; Y5≈22.4m
[DCF] Fair Price = N/A (negative equity: EV 349.1m - Net Debt 3.26b = -2.91b; debt exceeds intrinsic value)
EPS Correlation: -98.14 | EPS CAGR: -6.72% | SUE: -2.26 | # QB: -1
Revenue Correlation: 84.94 | Revenue CAGR: 1.88% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.16 | Chg30d=+0.00% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.18 | Chg30d=+0.00% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=0.48 | Chg30d=+0.00% | Revisions=-40% | GrowthEPS=+495.6% | GrowthRev=+7.5%
EPS next Year (2027-12-31): EPS=0.58 | Chg30d=+0.00% | Revisions=-57% | GrowthEPS=+5.1% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: -67% (up=0, down=6)