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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Toivo Group
Toivo Group (TOIVO) investor relations material
Toivo Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Revenue grew by 55% year-over-year to €61.7 million, with operating profit up 77% to €8.0 million and net profit rising 484% to €4.3 million.
Growth achieved despite a challenging real estate and construction market, driven by successful project launches, real estate transactions, and operational efficiency.
Contracts signed for 278 new apartments and 4 social infrastructure properties, with 317 apartments completed during the year.
Initiation of dividend payments and a share buyback program to enhance shareholder value, with a proposed dividend of €0.03 per share.
Financial highlights
Revenue: €61.7 million (up from €39.8 million), operating profit: €8.0 million (up from €4.5 million), net profit: €4.3 million (up from €0.7 million).
Earnings per share increased to €0.07 from €0.01 year-over-year.
Economic occupancy rate at 93.1%, total equity at €73.8 million, and total assets at €168.6 million.
Investments in properties totaled €24.2 million; cash and cash equivalents at year-end were €13.2 million.
Value of project portfolio decreased to €291 million from €640 million.
Outlook and guidance
Revenue for 2026 estimated at €65–85 million, operating profit at €6–11 million.
Targets average annual revenue and operating profit growth of 20% in the medium term, focusing on RS-projects and social infrastructure.
Dividend payout ratio targeted at 30–50% of annual profit, with a growing dividend policy.
Market conditions expected to remain challenging in 2026, with only slight improvement anticipated.
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Next Toivo Group earnings date
Q1 20266 May, 2026
Toivo Group
Next Toivo Group earnings date
Q1 20266 May, 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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