Netum Group Oyj risk profile
29 Normal where most of the sector sits
Measured 1 September 2026 from NETUM's filed statements. Recomputed nightly.
29 (Normal), driven by Market expectation at 82, over 5 weighted categories on the SOFTWARE profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 82 | Acute | Stable | Drawdown from the 52-week high — 50.5% |
| Operating pressure | 47 | Elevated | Worsening | Costs outgrowing revenue — +5.0 percentage points |
| Cash conversion | 17 | Contained | Worsening | Free-cash-flow margin — 7.3% |
| Leverage and coverage | 59 | Elevated | Worsening | Net debt to EBITDA — 3.78x |
| Competitive position | 17 | Contained | Stable | Revenue-growth gap against peers — +34.1 percentage points |
| Concentration | Reads identified supplier spend, customers above the 10% disclosure threshold and revenue by region. No reading is stored for this company. | |||
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.