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Toivo Group (TOIVO) investor relations material
Toivo Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Revenue for H1 2025 decreased 18% to EUR 23.2 million, but operating profit rose 47% to EUR 3.5 million and net profit surged 272% to EUR 1.6 million, reflecting improved efficiency and capital discipline.
Social infrastructure properties became a core business pillar, supported by new partnerships and project launches, with approximately EUR 160 million in transactions or commitments since 2024.
Strategic focus shifted in May 2025 to growth in residential and social infrastructure projects in Helsinki, Tampere, and other growth centers.
Transfer to the Main Market of Nasdaq Helsinki was completed in June 2025, enhancing capital market readiness and investor confidence.
Financial highlights
Revenue for January–June 2025 was EUR 23.2 million, down 18% year-over-year; operating profit was EUR 3.5 million, up 47%.
Net profit for H1 2025 was EUR 1.6 million, up 272% year-over-year; EPS was EUR 0.03 (vs. EUR 0.00).
Value of project portfolio decreased 52% to EUR 328 million.
Total assets increased to EUR 169.8 million from EUR 161.2 million; equity ratio was 42.6%.
Loan to value (LTV) increased to 54.9% from 51.3% year-over-year.
Outlook and guidance
Full-year 2025 operating profit expected to be EUR 6–11 million, both including and excluding changes in investment property values.
Medium-term targets: 20% average annual growth in total revenue and investments, 20% annual operating profit growth, equity ratio over 40%.
Dividend payout target set at 30–50% of annual profit, considering investment needs and financial position.
How does E-Heat contribute to Toivo's strategy?
Assess risks to achieving 2025 operating profit forecast.
Explain the criteria used by investors for properties.
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Next Toivo Group earnings date
Q3 202529 Oct, 2025
Next Toivo Group earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Toivo Group Oyj is a Finnish real estate company specializing in the development, ownership, and management of residential and commercial properties. The company focuses on creating sustainable and energy-efficient buildings, with projects that include both housing and business premises. Toivo Group handles various aspects of the real estate process, from land acquisition to property management, aiming to provide long-term value through eco-friendly construction and operations. The company serves tenants, property investors, and communities with its real estate offerings. The company is headquartered in Helsinki, Finland, and its shares are listed on the OMX Helsinki Stock Exchange.
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