LUMO Stock Analysis: LUMO KODIT | HE
Real Estate Services | HE, Finland | Market Cap: 1.846m EUR | 12M Return: -7.3% | FI4000312251 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.84M
EPS Trend: -95.9%
Qual. Beats: 0
Rev. Trend: 86.2%
Warnings
Tailwinds
No distinct edge detected
Seasonality 8.2 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 provides housing services under the Lumo brand. In addition to its core rental operations, the company offers broadband internet connections and car-sharing services to its tenants. The company was founded in 1969, is headquartered in Helsinki, and rebranded from Kojamo Oyj to Lumo Kodit Oyj in March 2026.
As a residential landlord, the company operates in Finlands rental housing market, where it functions similarly to a REIT-style operator, generating recurring rental income from a portfolio of urban apartments. The bundling of broadband and car-sharing into its housing offering reflects a broader trend in European residential real estate, where landlords increasingly position themselves as lifestyle service providers to attract and retain urban tenants.
- Rental income growth driven by Finnish urban housing demand
- Interest rate hikes pressure investment property valuations and financing costs
- Energy efficiency upgrades boost occupancy and rental premium margins
| Net Income: 89.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.35 > 1.0 |
| NWC/Revenue: -171.0% < 20% (prev -32.06%; Δ -139.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 122.7m > Net Income 89.3m |
| Net Debt (3.89b) to EBITDA (250.7m): 15.52 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (264.5m) vs 12m ago 7.04% < -2% |
| Gross Margin: 68.06% > 18% (prev 66.96%; Δ 1.10% > 0.5%) |
| Asset Turnover: 5.57% > 50% (prev 5.61%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 2.04 > 6 (EBIT TTM 249.6m / Interest Expense TTM 122.3m) |
| A: -0.09 (Total Current Assets 45.7m - Total Current Liabilities 841.4m) / Total Assets 8.56b |
| B: 0.39 (Retained Earnings 3.35b / Total Assets 8.56b) |
| C: 0.03 (EBIT TTM 249.6m / Avg Total Assets 8.35b) |
| D: 0.82 (Book Value of Equity 3.85b / Total Liabilities 4.72b) |
| Altman-Z'' = 1.72 = BBB |
| DSRI: 1.14 (Receivables 14.9m/12.8m, Revenue 465.2m/456.7m) |
| GMI: 0.98 (GM 66.96% / 68.06%) |
| AQI: 1.06 (AQ_t 0.99 / AQ_t-1 0.94) |
| SGI: 1.02 (Revenue 465.2m / 456.7m) |
| TATA: -0.00 (NI 89.3m - CFO 122.7m) / TA 8.56b) |
| Beneish M = -2.88 (Cap -4..+1) = A |
As of October 17, 2026, the stock is trading at EUR 6.96 with a total of 215,319 shares traded. Over the past week, the price has changed by +2.43%, over one month by -6.89%, over three months by -5.63% and over the past year by -7.26%.
Current recommended Stop Loss: 6.70 (which is 3.7% or 1.9 ATR below the current price).
LUMO KODIT has no consensus analysts rating.
P/E Trailing = 19.3611
P/S = 4.0029
P/B = 0.5075
Revenue TTM = 465.2m EUR
EBIT TTM = 249.6m EUR
EBITDA TTM = 250.7m EUR
Long Term Debt = 2.90b EUR (from longTermDebt, last quarter)
Short Term Debt = 841.4m EUR (from shortTermDebt, last quarter)
Debt = 3.91b EUR (from shortLongTermDebtTotal, last quarter) + Leases 87.8m
Net Debt = 3.89b EUR (calculated: Debt 3.91b - CCE 23.1m)
Enterprise Value = 5.74b EUR (1.85b + Debt 3.91b - CCE 23.1m)
Interest Coverage Ratio = 2.04 (Ebit TTM 249.6m / Interest Expense TTM 122.3m)
EV/FCF = 47.21x (Enterprise Value 5.74b / FCF TTM 121.5m)
FCF Yield = 2.12% (FCF TTM 121.5m / Enterprise Value 5.74b)
FCF Margin = 26.12% (FCF TTM 121.5m / Revenue TTM 465.2m)
Net Margin = 19.20% (Net Income TTM 89.3m / Revenue TTM 465.2m)
Gross Margin = 68.06% ((Revenue TTM 465.2m - Cost of Revenue TTM 148.6m) / Revenue TTM)
Gross Margin QoQ = 73.47% (prev 54.06%)
Tobins Q-Ratio = 0.67 (Enterprise Value 5.74b / Total Assets 8.56b)
Interest Expense / Debt = 3.12% (Interest Expense 122.3m / Debt 3.91b)
Taxrate = 21.18% (24.0m / 113.3m)
NOPAT = 196.7m (EBIT 249.6m * (1 - 21.18%))
Current Ratio = 0.05 (Total Current Assets 45.7m / Total Current Liabilities 841.4m)
Debt / Equity = 1.02 (Debt 3.91b / totalStockholderEquity, last quarter 3.85b)
Debt / EBITDA = 15.52 (Net Debt 3.89b / EBITDA 250.7m)
Debt / FCF = 32.02 (Net Debt 3.89b / FCF TTM 121.5m)
Total Stockholder Equity = 3.65b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.07% (Net Income 89.3m / Total Assets 8.56b)
RoE = 2.45% (Net Income TTM 89.3m / Total Stockholder Equity 3.65b)
RoCE = 3.81% (EBIT 249.6m / Capital Employed (Equity 3.65b + L.T.Debt 2.90b))
RoIC = 2.30% (NOPAT 196.7m / Invested Capital 8.54b)
WACC = 3.72% (E(1.85b)/V(5.76b) * Re(6.38%) + D(3.91b)/V(5.76b) * Rd(3.12%) * (1-Tc(0.21)))
Discount Rate = 6.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 26.05 | Cagr: 3.07%
[DCF] Terminal Value 73.10% ; FCFF base≈130.5m ; Y1≈114.5m ; Y5≈92.5m
[DCF] Fair Price = N/A (negative equity: EV 1.48b - Net Debt 3.89b = -2.41b; debt exceeds intrinsic value)
EPS Correlation: -95.93 | EPS CAGR: -6.25% | SUE: 0.0 | # QB: 0
Revenue Correlation: 86.19 | Revenue CAGR: 1.61% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.18 | Chg30d=+0.00% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=0.50 | Chg30d=-3.97% | Revisions=+25% | GrowthEPS=+525.2% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=0.56 | Chg30d=-3.20% | Revisions=-40% | GrowthEPS=+1.6% | GrowthRev=+5.6%
[Analyst] Revisions Ratio: -29% (up=1, down=3)