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Builds and rents residential apartments across Finland under a build-to-rent model.
Builds and rents residential apartments across Finland under a build-to-rent model.
Moat: narrow (scale, brand). Purpose-built, professionally managed rental portfolio differentiates it from fragmented private landlords.
Headquarters: Helsinki, Finland · Employees: 256
Size Lumo Homes (LUMO.HE) is a Finland Real Estate company (Real Estate Development) with a market value of $2.14B, the 24th largest of 65 Finland companies the cockpit tracks. Shares closed at €7.20 on 6 Nov 2026.
Performance Over six months the shares fell 2.5%, against -9.2% for the median peer and -2.9% for the Finland market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 1.4% over the last twelve months (peer median +9.6%); the operating margin is 58.9% (peer median 23.5%).
Valuation It trades at 15.8× forward earnings against a peer median of 13.0× (6th most expensive of 18).
Credit Lumo Homes has 4 bonds outstanding ($2.06B), rated Baa2 by the agencies and trading like BB+ at a weighted spread of 164 bp.
Next results Next results expected around 18 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €467M | €459M | €456M | €446M | €417M |
| Revenue growth | — | +1% | +2% | +7% | — |
| Gross profit | €318M | €310M | €306M | €300M | €283M |
| EBITDA | €276M | €271M | €266M | €255M | €240M |
| Net income | €89.3M | €20.8M | €21.2M | -€89.0M | -€400M |
| Free cash flow | €123M | €155M | €167M | €154M | €159M |
| Capital expenditure | €200,000 | €200,000 | €100,000 | €300,000 | €300,000 |
| Total debt | €3.83B | €3.39B | €3.83B | €3.60B | €3.68B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | LUMO.HE | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.8% | +1.3% | 7th highest of 21 |
| 6-month return | -2.5% | -9.2% | 7th highest of 21 |
| Distance from 52-week high | -32.9% | -23.6% | 6th lowest of 21 |
| Revenue growth (TTM) | +1.4% | +9.6% | 5th lowest of 21 |
| Operating margin | 58.9% | 23.5% | 5th highest of 21 |
| Forward P/E | 15.8× | 13.0× | 6th most expensive of 18 |
| Bond spread | 164 bp | 173 bp | 3rd tightest of 6 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| Lumo Homes LUMO.HE | Finland | $2.14B | -3% | +1% | 59% | 15.8× | n/a | n/a |
| Sirius Real Estate SRE.L | United Kingdom | $2.14B | +1% | +13% | 41% | 13.6× | n/a | n/a |
| Hufvudstaden HUFV-A.ST | Sweden | $2.14B | -5% | -4% | 47% | 20.9× | n/a | n/a |
| Hang Lung 0010.HK | Hong Kong | $2.14B | -25% | +9% | 53% | n/a | n/a | n/a |
| Country Garden Services 6098.HK | Hong Kong | $2.13B | -21% | +11% | 4% | 7.0× | n/a | n/a |
| Winnovation Culturaltainment Development Limited 000620.SZ | China | $2.12B | -6% | +14% | -39% | 66.0× | n/a | n/a |
| Newmark NMRK | United States | $2.16B | -29% | +16% | 7% | 6.1× | n/a | n/a |
| Hysan Development 0014.HK | Hong Kong | $2.16B | -20% | -2% | 72% | 7.5× | n/a | n/a |
| Green Development Electricity Group of Tianjin 000537.SZ | China | $2.19B | -28% | +13% | 31% | 37.3× | n/a | n/a |
| Altarea SCA ALTA.PA | France | $2.05B | -31% | -20% | 9% | 9.9× | n/a | n/a |
| Neinor Homes HOME.MC | Spain | $2.04B | +10% | +165% | 10% | 13.0× | n/a | n/a |
| Fabege FABG.ST | Sweden | $2.02B | -16% | +27% | 59% | 14.7× | n/a | n/a |
| Investis IREN.SW | Switzerland | $2.26B | -2% | +10% | 67% | 32.9× | n/a | n/a |
| Wihlborgs Fastigheter WIHL.ST | Sweden | $2.28B | -14% | +7% | 70% | 10.8× | n/a | n/a |
| Nanjing Gaoke 600064.SS | China | $2.00B | -4% | +4% | -18% | 5.8× | n/a | n/a |
| Leopalace21 8848.T | Japan | $1.99B | +52% | +3% | 8% | 13.0× | n/a | n/a |
| Relo 8876.T | Japan | $2.30B | +21% | +7% | 20% | 15.5× | n/a | n/a |
| China Enterprise 600675.SS | China | $1.98B | -15% | -35% | 4% | n/a | n/a | n/a |
| Metrovacesa MVC.MC | Spain | $1.95B | -5% | +58% | 13% | 26.4× | n/a | n/a |
| Argan ARG.PA | France | $1.95B | +14% | +5% | 78% | 11.2× | n/a | n/a |
| Zhaojin International Gold 000506.SZ | China | $1.95B | -13% | +42% | 27% | n/a | n/a | n/a |
Lumo Homes has 4 bonds outstanding with $2.06B face value. The agencies rate it Baa2; its bonds trade like BB+. Weighted yield 4.63%, a spread of 164 bp over government bonds.