Stock

Luotea

0F29.L

Specialty Business Services · Industrials

Price

1.74 GBp

-0.01 (-0.29%)

Market Cap

£66.3M

Exchange

London Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Oct 25, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Mixed

13/30

Growth

Mixed

7/20

Cash Flow

Strong

8/10

Stability

Strong

7/10

Valuation

Good

6/10

Ownership

Good

10/15

Dividends

Good

3/5

54 of 100 counted points = Winston Score 54.

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§Winston Score History

The full picture

Luotea Oyj is a Finnish company that provides outsourced business support services, primarily to organizations in Finland. Its core offerings include personnel administration, payroll processing, and related back-office functions, serving businesses that prefer to hand these tasks to an outside specialist rather than handle them in-house.

The company earns revenue by charging clients fees for ongoing service contracts, making its income relatively predictable month to month. Luotea operates mainly in Finland and is a small-cap business with a market capitalization of roughly $0.1 billion, competing in a fragmented market where local expertise and client relationships act as modest competitive advantages. The main risk the company faces is its limited geographic footprint, which leaves it exposed to slowdowns in the Finnish economy and makes it harder to grow without expanding into new markets or service lines.

Share count broadly stable

+0.3% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 38.1M (2021) → 38.2M (2025)

Score breakdown

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Quality

Profit per sale

Gross Margin

11.5%

Thin — 11.5% gross margin

Profit after running costs

Operating Margin

2.3%

Thin — 2.3% operating margin

Return on the money invested

ROCE

46.7%

Exceptional — 46.7% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

-39.7%

Shrinking sales (-39.7% YoY)

Profit growth

EPS YoY

+342.5%

Earnings growing fast (+342.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

236%

Turns 236% of profit into real cash

Spare cash per sale

FCF Margin

9.5%

Modest free cash flow (9.5%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.35

Conservative — low debt load (0.35)

Covers its interest

Interest Cover

7.44x

Adequate interest coverage (7.4x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

3.2x

Attractive valuation — P/E 3.2

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-3.7

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

4.02%

Healthy income — 4.02% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

-43.3%

Dividend cut (-43.3% YoY) — warning sign

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