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Toivo Group (TOIVO) investor relations material
Toivo Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Revenue for January–September 2025 increased by 14% year-over-year to €37.0 million, with operating profit up 48% to €5.0 million and net profit rising 470% to €1.9 million.
The project portfolio value decreased by 59% to €286 million, reflecting a strategic shift and market adjustments.
135 new apartment contracts and two social infrastructure properties were signed; 177 apartments, two assisted living facilities, and one daycare facility construction started.
Economic occupancy rate improved to 94.4% in Q3 2025, with only two unsold completed apartments at period end.
Growth in personnel (approx. 30%) and construction sites (+114%) supported operational expansion.
Financial highlights
Total revenue and investments reached €58.4 million, up 55% year-over-year.
Operating profit margin improved, with operating profit at €5.0 million versus €3.4 million a year earlier.
Earnings per share rose to €0.03 from €0.01, a 406% increase.
Cash flow before changes in working capital (FFO) was €1.8 million, up from -€0.2 million.
Investments in properties totaled €21.0 million during the review period.
Outlook and guidance
Full-year 2025 operating profit is expected to be €6–11 million, both including and excluding changes in investment property values.
Medium-term targets include 20% average annual growth in total revenue/investments and operating profit, with an equity ratio above 40%.
Dividend policy aims for a payout of 30–50% of annual profit, considering investment needs and financial position.
What caused the 59% project portfolio value drop?
How will 20% growth be achieved given market?
Funding strategy for future 20% growth target
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Next Toivo Group earnings date
Q4 202526 Feb, 2026
Next Toivo Group earnings date
Q4 202526 Feb, 2026
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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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