Investors House Oyj Logo

Investors House Oyj

INVEST.HE

(3.0)
Stock Price

5,22 EUR

7.62% ROA

20.21% ROE

4.75x PER

Market Cap.

33.478.033,00 EUR

107.39% DER

6.27% Yield

76.81% NPM

Investors House Oyj Stock Analysis

Investors House Oyj Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Investors House Oyj Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.45%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 ROA

This stock has a great ability to make a lot of money from the things it owns, which makes it a really good investment for smart investors.

3 PBV

With a remarkably low PBV ratio (0.98x), the stock offers substantial upside potential at a bargain price.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 DER

The stock has a reasonable amount of debt compared to its ownership (52%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-1) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Investors House Oyj Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Investors House Oyj Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Investors House Oyj Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Investors House Oyj Revenue
Year Revenue Growth
2003 728.874
2004 767.686 5.06%
2005 796.412 3.61%
2006 783.120 -1.7%
2007 689.878 -13.52%
2008 722.140 4.47%
2009 721.891 -0.03%
2010 695.432 -3.8%
2011 609.177 -14.16%
2012 647.353 5.9%
2013 662.496 2.29%
2014 751.795 11.88%
2015 1.317.016 42.92%
2016 3.133.722 57.97%
2017 6.449.000 51.41%
2018 8.276.000 22.08%
2019 11.461.000 27.79%
2020 9.465.000 -21.09%
2021 9.764.000 3.06%
2022 7.603.000 -28.42%
2023 6.592.000 -15.34%
2023 6.857.000 3.86%
2024 12.328.000 44.38%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Investors House Oyj Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Investors House Oyj General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 322.594 100%
2015 366.775 12.05%
2016 587.559 37.58%
2017 768.000 23.49%
2018 875.000 12.23%
2019 876.000 0.11%
2020 1.344.000 34.82%
2021 1.041.000 -29.11%
2022 1.023.000 -1.76%
2023 840.000 -21.79%
2023 805.000 -4.35%
2024 1.016.000 20.77%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Investors House Oyj EBITDA
Year EBITDA Growth
2003 -299.035
2004 -443.313 32.55%
2005 578.770 176.6%
2006 1.120.708 48.36%
2007 443.594 -152.64%
2008 460.586 3.69%
2009 775.949 40.64%
2010 675.277 -14.91%
2011 249.653 -170.49%
2012 241.739 -3.27%
2013 213.093 -13.44%
2014 153.976 -38.39%
2015 519.082 70.34%
2016 4.455.925 88.35%
2017 3.353.000 -32.89%
2018 4.861.000 31.02%
2019 3.838.000 -26.65%
2020 -1.183.000 424.43%
2021 59.000 2105.08%
2022 4.593.000 98.72%
2023 3.064.000 -49.9%
2023 877.000 -249.37%
2024 6.604.000 86.72%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Investors House Oyj Gross Profit
Year Gross Profit Growth
2003 728.874
2004 767.686 5.06%
2005 796.412 3.61%
2006 472.182 -68.67%
2007 379.328 -24.48%
2008 722.140 47.47%
2009 721.891 -0.03%
2010 695.432 -3.8%
2011 609.177 -14.16%
2012 647.353 5.9%
2013 662.496 2.29%
2014 751.795 11.88%
2015 858.128 12.39%
2016 1.992.095 56.92%
2017 3.189.000 37.53%
2018 4.162.000 23.38%
2019 6.228.000 33.17%
2020 4.459.000 -39.67%
2021 3.802.000 -17.28%
2022 2.907.000 -30.79%
2023 2.160.000 -34.58%
2023 1.105.000 -95.48%
2024 7.592.000 85.45%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Investors House Oyj Net Profit
Year Net Profit Growth
2003 397.290
2004 549.173 27.66%
2005 281.364 -95.18%
2006 952.548 70.46%
2007 224.150 -324.96%
2008 216.165 -3.69%
2009 481.744 55.13%
2010 414.062 -16.35%
2011 -94.109 539.98%
2012 229.338 141.04%
2013 67.810 -238.21%
2014 -27.669 345.08%
2015 3.485.622 100.79%
2016 3.766.948 7.47%
2017 5.048.000 25.38%
2018 2.498.000 -102.08%
2019 1.650.000 -51.39%
2020 -1.961.000 184.14%
2021 -769.000 -155.01%
2022 3.213.000 123.93%
2023 2.084.000 -54.17%
2023 3.559.000 41.44%
2024 22.472.000 84.16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Investors House Oyj Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 3
2004 0 0%
2005 0 0%
2006 1 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 2 100%
2016 1 0%
2017 1 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 0 0%
2023 1 0%
2024 4 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Investors House Oyj Free Cashflow
Year Free Cashflow Growth
2003 507.030
2004 590.825 14.18%
2005 511.094 -15.6%
2006 412.227 -23.98%
2007 335.408 -22.9%
2008 405.834 17.35%
2009 364.900 -11.22%
2010 -33.076 1203.22%
2011 -1.178.539 97.19%
2012 -315.013 -274.12%
2013 -1.171.573 73.11%
2014 -28.525 -4007.32%
2015 -413.098 93.1%
2016 -273.518 -51.03%
2017 1.409.000 119.41%
2018 1.358.000 -3.76%
2019 29.918.000 95.46%
2020 2.529.000 -1083%
2021 2.125.000 -19.01%
2022 -427.000 597.66%
2023 82.000 620.73%
2023 -682.000 112.02%
2024 987.000 169.1%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Investors House Oyj Operating Cashflow
Year Operating Cashflow Growth
2003 513.212
2004 637.754 19.53%
2005 530.254 -20.27%
2006 412.227 -28.63%
2007 335.408 -22.9%
2008 405.834 17.35%
2009 364.900 -11.22%
2010 371.182 1.69%
2011 71.275 -420.77%
2012 212.589 66.47%
2013 170.885 -24.4%
2014 -28.525 699.09%
2015 466.902 106.11%
2016 646.482 27.78%
2017 1.448.000 55.35%
2018 1.371.000 -5.62%
2019 1.379.000 0.58%
2020 2.791.000 50.59%
2021 2.145.000 -30.12%
2022 -559.000 483.72%
2023 82.000 781.71%
2023 -682.000 112.02%
2024 987.000 169.1%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Investors House Oyj Capital Expenditure
Year Capital Expenditure Growth
2003 6.182
2004 46.928 86.83%
2005 19.159 -144.94%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 404.258 100%
2011 1.249.814 67.65%
2012 527.602 -136.89%
2013 1.342.458 60.7%
2014 0 0%
2015 880.000 100%
2016 920.000 4.35%
2017 39.000 -2258.97%
2018 13.000 -200%
2019 -28.539.000 100.05%
2020 262.000 10992.75%
2021 20.000 -1210%
2022 -132.000 115.15%
2023 0 0%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Investors House Oyj Equity
Year Equity Growth
2003 3.138.591
2004 3.611.791 13.1%
2005 3.688.049 2.07%
2006 4.412.679 16.42%
2007 4.408.911 -0.09%
2008 4.397.158 -0.27%
2009 4.650.880 5.46%
2010 4.912.838 5.33%
2011 4.638.039 -5.92%
2012 4.713.304 1.6%
2013 4.638.884 -1.6%
2014 4.469.564 -3.79%
2015 17.865.476 74.98%
2016 39.458.301 54.72%
2017 46.147.000 14.49%
2018 49.486.000 6.75%
2019 62.122.000 20.34%
2020 38.270.000 -62.33%
2021 36.714.000 -4.24%
2022 32.538.000 -12.83%
2023 33.954.000 4.17%
2023 33.980.000 0.08%
2024 45.743.000 25.72%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Investors House Oyj Assets
Year Assets Growth
2003 3.827.252
2004 4.201.067 8.9%
2005 4.108.818 -2.25%
2006 4.653.120 11.7%
2007 4.468.224 -4.14%
2008 4.483.365 0.34%
2009 4.816.995 6.93%
2010 5.644.953 14.67%
2011 5.771.050 2.18%
2012 5.753.442 -0.31%
2013 6.448.048 10.77%
2014 5.995.980 -7.54%
2015 29.255.884 79.51%
2016 43.588.868 32.88%
2017 75.658.000 42.39%
2018 92.656.000 18.35%
2019 130.672.000 29.09%
2020 69.699.000 -87.48%
2021 63.311.000 -10.09%
2022 55.262.000 -14.57%
2023 53.546.000 -3.2%
2023 54.044.000 0.92%
2024 98.596.000 45.19%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Investors House Oyj Liabilities
Year Liabilities Growth
2003 688.660
2004 589.276 -16.87%
2005 420.769 -40.05%
2006 240.441 -75%
2007 59.313 -305.38%
2008 86.207 31.2%
2009 166.115 48.1%
2010 732.114 77.31%
2011 1.133.011 35.38%
2012 1.040.138 -8.93%
2013 1.809.164 42.51%
2014 1.526.416 -18.52%
2015 11.390.408 86.6%
2016 21.893.567 47.97%
2017 29.511.000 25.81%
2018 43.170.000 31.64%
2019 68.550.000 37.02%
2020 31.429.000 -118.11%
2021 26.597.000 -18.17%
2022 22.724.000 -17.04%
2023 19.592.000 -15.99%
2023 20.064.000 2.35%
2024 52.853.000 62.04%

Investors House Oyj Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.44
Net Income per Share
1.11
Price to Earning Ratio
4.75x
Price To Sales Ratio
3.65x
POCF Ratio
27.74
PFCF Ratio
27.74
Price to Book Ratio
0.88
EV to Sales
7.54
EV Over EBITDA
18.91
EV to Operating CashFlow
57.32
EV to FreeCashFlow
57.32
Earnings Yield
0.21
FreeCashFlow Yield
0.04
Market Cap
0,03 Bil.
Enterprise Value
0,07 Bil.
Graham Number
12.18
Graham NetNet
-6.48

Income Statement Metrics

Net Income per Share
1.11
Income Quality
0.17
ROE
0.2
Return On Assets
0.07
Return On Capital Employed
0.04
Net Income per EBT
1.01
EBT Per Ebit
2.34
Ebit per Revenue
0.32
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.38
Operating Profit Margin
0.32
Pretax Profit Margin
0.76
Net Profit Margin
0.77

Dividends

Dividend Yield
0.06
Dividend Yield %
6.27
Payout Ratio
0.31
Dividend Per Share
0.33

Operating Metrics

Operating Cashflow per Share
0.19
Free CashFlow per Share
0.19
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.08
Days Sales Outstanding
347.77
Days Payables Outstanding
376.68
Days of Inventory on Hand
0
Receivables Turnover
1.05
Payables Turnover
0.97
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,80
Book Value per Share
7,19
Tangible Book Value per Share
6.23
Shareholders Equity per Share
5.95
Interest Debt per Share
6.57
Debt to Equity
1.07
Debt to Assets
0.41
Net Debt to EBITDA
9.76
Current Ratio
0.67
Tangible Asset Value
0,04 Bil.
Net Current Asset Value
-0,04 Bil.
Invested Capital
1853000
Working Capital
0,00 Bil.
Intangibles to Total Assets
0.06
Average Receivables
0,01 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
1.22

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Investors House Oyj Dividends
Year Dividends Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 100%
2023 0 0%
2024 0 0%

Investors House Oyj Profile

About Investors House Oyj

Investors House Oyj operates as a real estate investment company in Finland and Estonia. The company operates in two segments, Investments in Real Estate and Business Service. It owns, operates, leases, and manages university town and provincial center properties in 11 locations. The company was formerly known as SSK Suomen Saastajien Kiinteistot Oyj and changed its name to Investors House Oyj in April 2015. Investors House Oyj was founded in 1988 and is based in Helsinki, Finland.

CEO
Mr. Petri Roininen M.Sc.
Employee
33
Address
Veturitie 11 T 152
Helsinki, 00520

Investors House Oyj Executives & BODs

Investors House Oyj Executives & BODs
# Name Age
1 Antti Lahtinen
Senior Vice President of Real Estate Management
70
2 Mr. Petri Roininen M.Sc.
President, Chief Executive Officer, MD & Director
70
3 Harri Valo
Member of Finance & Administration & Chief Financial Officer
70
4 Mr. Aarni Pursiainen
Senior Vice President of Fund Operations
70
5 Mr. Marja Tornroos
Senior Vice President of Risk Management & Real Estate Investments
70

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