Industry revenues:

• Residential properties: 100%

TOP 3 markets and their percentage shares:

• Helsinki: approx. 70%
• Tampere: approx. 15%
• Turku: approx. 10%

Kojamo Oyj is a leading real estate company in Finland specializing in residential properties. The majority of revenues come from renting out residential properties. The company's main markets are the largest cities in Finland, with Helsinki being by far the most significant market. This is due to the high population density and demand for housing in the capital region. Tampere and Turku follow as important markets, also making up significant shares of the company's total revenue.

Production Sites: Not applicable

Kojamo Oyj is a Finnish real estate company that specializes in renting and managing residential properties. Since Kojamo does not produce physical products but offers services in the field of property management, there are no production sites in the traditional sense.

The company focuses on acquiring, developing, and managing residential properties, mainly in urban areas of Finland. Their business strategy includes providing modern housing solutions and improving the quality of life for their tenants.

Strategy for Future Growth:

1. Focus on Urbanization: Kojamo Oyj places a strong emphasis on urbanization in Finland and invests in expanding residential properties in the country's largest cities.

2. Sustainability and Energy Efficiency: The company places great importance on sustainable construction methods and energy-efficient buildings to achieve both ecological and economic benefits.

3. Digitalization and Smart Living: By utilizing digital solutions and Smart Living technologies, Kojamo aims to enhance the tenant experience and simultaneously achieve operational efficiency gains.

Kojamo Oyj pursues a strategy targeting the growing demand for urban housing. By focusing on sustainable and digital solutions, the company positions itself as a pioneer in modern residential real estate. This strategy is intended not only to promote growth but also to ensure long-term competitiveness.

Main materials: Timber, concrete, steel
Countries of origin: Sweden, Germany, Poland

Kojamo Oyj is a significant real estate company in Finland specializing in residential properties. For the construction and maintenance of its properties, Kojamo imports various building materials. Timber is often imported from Sweden as it is abundant and of high quality in the region. Concrete and steel, essential for building construction, are frequently sourced from Germany and Poland due to these countries' strong production capacity and efficient supply chains for these materials.

The selection of countries of origin is based on the availability, costs, and quality of materials, as well as logistical considerations to efficiently and cost-effectively realize construction projects.

Market share in Finland: 16% (2025)
EBITDA margin: 55% (2025)
Real estate portfolio value: 8.5 billion euros (2025)

Kojamo Oyj is one of the leading residential real estate investors in Finland with a significant market share of 16%. The company benefits from a strong presence in Finland's largest cities, giving it a solid competitive advantage. The high EBITDA margin of 55% indicates an efficient cost structure and strong profitability.

Kojamo's real estate portfolio, valued at 8.5 billion euros, allows the company to benefit from economies of scale and further strengthen its market position. Additionally, Kojamo continuously invests in the modernization and expansion of its portfolio to meet changing market requirements.

Overall, Kojamo has a robust competitive advantage supported by its market leadership, efficient operations, and valuable real estate portfolio.

Institutional Investor Share: approximately 70% (2026, estimated)

Insider Buys/Sells: No significant transactions in the last year (2026, estimated)

The institutional investor share in Kojamo Oyj is around 70%. This demonstrates a strong trust from institutional investors in the company, indicating a stable financial performance and positive market perception.

Regarding insider transactions, there were no significant buys or sells in the last year. This could suggest that the management has confidence in the current company strategy and future direction.

Market share of Kojamo Oyj: Estimate 8% (2026)

Main competitors and their market shares:

1. SATO Oyj: Estimate 12%
2. Avara Oy: Estimate 10%
3. YIT Oyj: Estimate 9%
4. Kojamo Oyj: Estimate 8%
5. Lumo Kodit Oy: Estimate 7%
6. Bonava Suomi Oy: Estimate 6%
7. Skanska Oy: Estimate 5%
8. Peab Oy: Estimate 4%
9. NCC Suomi Oy: Estimate 3%
10. Hartela Oy: Estimate 2%

Moat of Kojamo Oyj:

Kojamo Oyj is one of the leading residential real estate providers in Finland and has a moderate moat. This arises from their strong brand recognition and broad geographical coverage in Finland. Additionally, the company benefits from a diversified real estate portfolio, allowing them to flexibly respond to different market conditions.

However, compared to competitors, Kojamo Oyj does not have a significantly stronger moat. Companies like SATO Oyj and Avara Oy also have strong market positions and similar competitive advantages. For example, SATO Oyj has a larger market presence and an extensive offering of rental apartments, giving them a slight edge.

Overall, competition in the Finnish residential real estate market is intense, and the differences in the moats of the leading companies are rather marginal. Success heavily depends on the ability to operate efficiently and quickly adapt to market changes.

Revenue growth: 4.5% (2025) EBITDA margin: 55% (2025) Occupancy rate: 98% (2025)

Kojamo Oyj achieved a revenue growth of 4.5% in 2025, indicating stable demand in the Finnish residential real estate market. The EBITDA margin of 55% demonstrates strong operational efficiency and the company's ability to generate high profits from its revenues.

The 98% occupancy rate underscores the high demand for Kojamo's properties and the company's effectiveness in managing and leasing its real estate portfolio. These metrics suggest that Kojamo Oyj has a solid financial foundation and is well positioned to benefit from the ongoing demand in the residential real estate market.

Future investments in sustainable construction projects and the exploration of new markets could further increase growth potential. Therefore, Kojamo Oyj's stock could present an attractive investment opportunity for investors interested in stable returns and long-term growth.

Dividend yield: 4.2% (estimated for 2026)
Dividend history: Continuous payout over the past five years

Kojamo Oyj has pursued a consistent dividend policy in recent years. The estimated dividend yield of 4.2% in 2026 reflects an attractive payout for investors.

The company has regularly paid dividends over the last five years, indicating a reliable payout policy. This consistency is a positive signal for investors seeking regular returns from their investments. The financial stability and business model of Kojamo Oyj support this dividend policy.