CompanyGraphLumo Kodit Oyj
LUMO · Nasdaq Helsinki · Finland
Price data from its 0A0E listing on LSE
yritys.lumo.fiFinancials as of FY2025
At a glance
- Depends onDownstream position: depends on 13 industries, supplies 6
- ScaleMarket cap is $2.29B, above the global median of $1.15B
- PositionProfit margin is -104.4%, lower than 95% of its Real Estate Services peers (median 9.7%)
- Interpretations4 currently firing — 4
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Sign inThe reported statements, read against the company's own industry.
Financials view
Market Capitalization
1.98BEUR2.29B · vs all stocks (USD)
Revenue (TTM)
430.50MEUR496.92M · vs all stocks (USD)
Profit Margin
-104.44%vs Real Estate Services peers
Beta
0.5882xvs all stocks
52-Week Change
-33.11%vs all stocks
Market Capitalization
1.98BEUR2.29B · vs all stocks (USD)
Enterprise Value
5.50BEUR6.35B · vs all stocks (USD)
Forward P/E
11.64xvs Real Estate Services peers
Price to Sales (TTM)
4.64xvs Real Estate Services peers
Price to Book (MRQ)
0.4818xvs Real Estate Services peers
Enterprise to Revenue
12.77xvs Real Estate Services peers
Enterprise to EBITDA
22.22xvs Real Estate Services peers
Profit Margin
-104.44%vs Real Estate Services peers
Operating Margin
57.30%vs Real Estate Services peers
Return on Assets (TTM)
1.76%vs Real Estate Services peers
Return on Equity (TTM)
-11.01%vs Real Estate Services peers
Revenue (TTM)
430.50MEUR496.92M · vs all stocks (USD)
Revenue per Share (TTM)
1.74EURUpdated Jul 14, 2026Quarterly Revenue Growth
8.40%vs Real Estate Services peers
Gross Profit (TTM)
289.10MEUR333.71M · vs all stocks (USD)
EBITDA (TTM)
102.60MEUR118.43M · vs all stocks (USD)
Net Income (TTM)
-449.60MEUR-518.97M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
-24.50%vs Real Estate Services peers
Operating Cash Flow (TTM)
162.60MEUR187.69M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
117.04MEUR135.10M · vs all stocks (USD)
Revenue
455.20MEURFY2025 · Dec 31, 2025Cost of Goods Sold
147.50MEURFY2025 · Dec 31, 2025Gross Profit
307.70MEURFY2025 · Dec 31, 2025Operating Income
269.40MEUR310.97M · vs all stocks (USD)
Pre-tax Income
26.80MEURFY2025 · Dec 31, 2025Income Tax Expense
6.00MEURFY2025 · Dec 31, 2025Net Income
20.80MEURFY2025 · Dec 31, 2025EBIT
148.00MEURFY2025 · Dec 31, 2025EBITDA (Income Statement)
156.20MEURFY2025 · Dec 31, 2025Selling, General & Administrative
17.30MEURFY2025 · Dec 31, 2025Other Operating Expenses
200.00KEURFY2025 · Dec 31, 2025Non-operating Interest Income
9.20MEURFY2025 · Dec 31, 2025Non-operating Interest Expense
121.20MEURFY2025 · Dec 31, 2025Net Income from Continuing Operations
20.80MEURFY2025 · Dec 31, 2025Preferred Stock Dividends
0.00EURFY2025 · Dec 31, 2025Operating Cash Flow
134.30MEURFY2025 · Dec 31, 2025Free Cash Flow
134.30MEURFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
181.30MEURFY2025 · Dec 31, 2025Starting Profit (CF Statement)
20.80MEURFY2025 · Dec 31, 2025Other Non-cash Items
113.60MEURFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
-100.00KEURFY2025 · Dec 31, 2025Capital Expenditures
0.00EURFY2025 · Dec 31, 2025Net Acquisitions
-200.00KEURFY2025 · Dec 31, 2025Purchase of Investments
-351.50MEURFY2025 · Dec 31, 2025Sale of Investments
320.00MEURFY2025 · Dec 31, 2025Other Investing Activity
100.00KEURFY2025 · Dec 31, 2025Net Investing Cash Flow
-31.60MEURFY2025 · Dec 31, 2025Long-term Debt Issuance
540.20MEURFY2025 · Dec 31, 2025Long-term Debt Payments
-992.70MEURFY2025 · Dec 31, 2025Net Short-term Debt Issuance
0.00EURFY2025 · Dec 31, 2025Common Stock Repurchase
-60.90MEURFY2025 · Dec 31, 2025Other Financing Charges
100.00KEURFY2025 · Dec 31, 2025Net Financing Cash Flow
-513.30MEURFY2025 · Dec 31, 2025Shares Outstanding
240.14MSharesUpdated Jul 14, 2026Float Shares
197.49MSharesUpdated Jul 14, 2026% Held by Insiders
42.01%vs all stocks
% Held by Institutions
44.27%vs all stocks
Total Cash (MRQ)
38.10MEUR43.98M · vs all stocks (USD)
Total Cash per Share (MRQ)
0.1540EURUpdated Jul 14, 2026Total Debt (MRQ)
3.66BEUR4.22B · vs all stocks (USD)
Total Debt to Equity (MRQ)
0.9575xvs Real Estate Services peers
Current Ratio (MRQ)
0.0690xvs Real Estate Services peers
Book Value per Share (MRQ)
15.46EURUpdated Jul 14, 2026Total Assets
7.93BEUR9.15B · vs all stocks (USD)
Total Current Assets
292.00MEURFY2025 · Dec 31, 2025Total Liabilities
4.33BEURFY2025 · Dec 31, 2025Total Non-current Assets
7.63BEURFY2025 · Dec 31, 2025Total Non-current Liabilities
3.97BEURFY2025 · Dec 31, 2025Total Current Liabilities
361.10MEURFY2025 · Dec 31, 2025Cash & Cash Equivalents
181.30MEURFY2025 · Dec 31, 2025Other Short-term Investments
57.80MEURFY2025 · Dec 31, 2025Accounts Receivable
7.50MEURFY2025 · Dec 31, 2025Accounts Payable
12.50MEURFY2025 · Dec 31, 2025Short-term Debt
225.10MEURFY2025 · Dec 31, 2025Other Current Liabilities
7.50MEURFY2025 · Dec 31, 2025Long-term Debt
3.17BEURFY2025 · Dec 31, 2025Other Non-current Liabilities
3.80MEURFY2025 · Dec 31, 2025Common Stock (Book)
58.00MEURFY2025 · Dec 31, 2025Retained Earnings
3.34BEURFY2025 · Dec 31, 2025Total Shareholders' Equity
3.59BEUR4.15B · vs all stocks (USD)
52-Week Low
6.96EURUpdated Jul 14, 202652-Week High
11.32EURUpdated Jul 14, 202652-Week Change
-33.11%vs all stocks
Beta
0.5882xvs all stocks
50-Day MA
7.37EURUpdated Jul 14, 2026200-Day MA
9.09EURUpdated Jul 14, 2026Avg 10-Day Volume
57.01KSharesUpdated Jul 14, 2026Avg 30-Day Volume
36.20KSharesUpdated Jul 14, 2026Diluted EPS (TTM)
-1.81EURUpdated Jul 14, 20264 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsIs this company financially stable?
Debt Financing Activity
More cash moved through borrowing and repaying than through the business itself, and most of its debt is long-term.
Reads
Long-Term Debt A High Share Of Total Liabilities, Short-Term Debt A High Share Of Current Liabilities
Borrowing makes up most of what it owes, both the long-dated part and the part due soon.
Reads
How does this company use capital?
Diagnostic
Rising Operating Income With Low Depreciation on a Capital-Heavy Balance Sheet
Operating income rose four years, with small depreciation on a capital-heavy balance sheet.
Reads
Is this company growing?
Revenue Growth With Elevated Margin
Revenue up in each of five years, while its operating margin stays high.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Profit margin is -104.4%, lower than 95% of its Real Estate Services peers (median 9.7%)Significant
Profit margin: -1.04Industry median: 0.10Industry P5: -0.33Peers compared: 117
Current ratio is 0.07×, lower than 95% of its Real Estate Services peers (median 1.5×)Significant
Current ratio: 0.07Industry median: 1.50Industry P5: 0.29Peers compared: 117
Financial Health
Altman Z-Score 0.97: distress zoneCritical
Altman Z-Score: 0.97
Supply Chain
Downstream position: depends on 13 industries, supplies 6Notable
Outgoing: 6.00Incoming: 13.00
High connectivity hub: 19 industry connectionsNotable
Total Connections: 19.00
Scale
Market cap is $2.29B, above the global median of $1.15BNotable
Market cap (USD): 2,287,921,819.619Global Median: 1,146,734,693.424
Levered free cash flow is $135.1M, above the global median of $16.24MNotable
Levered free cash flow (USD): 135,095,220.492Global Median: 16,239,329.704
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