Terveystalo Oyj (TTALO) Stock Overview
Provides occupational healthcare services in Finland, Sweden, and Estonia. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
TTALO Community Fair Values
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Analyst Price Targets
Terveystalo Oyj Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €7.59 |
| 52 Week High | €11.90 |
| 52 Week Low | €7.31 |
| Beta | 0.38 |
| 1 Month Change | 0.80% |
| 3 Month Change | -15.10% |
| 1 Year Change | -35.13% |
| 3 Year Change | -4.17% |
| 5 Year Change | -33.65% |
| Change since IPO | -24.10% |
Recent News & Updates
Narrative Update • Jul 08
TTALO: Higher Revenue Outlook And Meeting Agenda Will Support Future Upside
Analysts have reduced their fair value estimate for Terveystalo Oyj from €11.50 to €10.50, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E multiples. What's in the News for Terveystalo Oyj Terveystalo Oyj has scheduled a Special and Extraordinary Shareholders Meeting for June 30, 2026, at 14:30 FLE Standard Time.
Narrative Update • Jun 24
TTALO: Lower Profitability Outlook Will Still Support Long-Term Upside Potential
Analysts have trimmed their price target for Terveystalo Oyj from €9.95 to €9.20, citing updated assumptions on the discount rate, revenue growth, profit margin and future P/E that collectively point to a lower fair value estimate. What's in the News Terveystalo Oyj has scheduled a Special and Extraordinary Shareholders Meeting for Jun 30, 2026, at 14:30 FLE Standard Time (source: Key Developments).Narrative Update • Jun 06
TTALO: Dividend Payouts And Higher Future P/E Will Support Upside Potential
Analysts have nudged their price target on Terveystalo Oyj slightly lower from €10.30 to €9.95, citing updated assumptions for the discount rate, revenue growth, profit margin and future P/E as they refresh their valuation work. What's in the News Terveystalo issued earnings guidance for the first half of 2026, indicating that profitability is expected to be below the level of the first half of 2025.New Narrative • May 31
Digital Healthcare And Senior Services Will Reshape This Undervalued Nordic Provider
Catalysts About Terveystalo Oyj Terveystalo Oyj is a Finnish private healthcare company that provides occupational health, primary care, specialist care, diagnostics and dental services in Finland and Sweden. What are the underlying business or industry changes driving this perspective?Recent updates
Narrative Update • Jul 08
TTALO: Higher Revenue Outlook And Meeting Agenda Will Support Future Upside
Analysts have reduced their fair value estimate for Terveystalo Oyj from €11.50 to €10.50, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E multiples. What's in the News for Terveystalo Oyj Terveystalo Oyj has scheduled a Special and Extraordinary Shareholders Meeting for June 30, 2026, at 14:30 FLE Standard Time.Narrative Update • Jun 24
TTALO: Lower Profitability Outlook Will Still Support Long-Term Upside Potential
Analysts have trimmed their price target for Terveystalo Oyj from €9.95 to €9.20, citing updated assumptions on the discount rate, revenue growth, profit margin and future P/E that collectively point to a lower fair value estimate. What's in the News Terveystalo Oyj has scheduled a Special and Extraordinary Shareholders Meeting for Jun 30, 2026, at 14:30 FLE Standard Time (source: Key Developments).Narrative Update • Jun 06
TTALO: Dividend Payouts And Higher Future P/E Will Support Upside Potential
Analysts have nudged their price target on Terveystalo Oyj slightly lower from €10.30 to €9.95, citing updated assumptions for the discount rate, revenue growth, profit margin and future P/E as they refresh their valuation work. What's in the News Terveystalo issued earnings guidance for the first half of 2026, indicating that profitability is expected to be below the level of the first half of 2025.New Narrative • May 31
Digital Healthcare And Senior Services Will Reshape This Undervalued Nordic Provider
Catalysts About Terveystalo Oyj Terveystalo Oyj is a Finnish private healthcare company that provides occupational health, primary care, specialist care, diagnostics and dental services in Finland and Sweden. What are the underlying business or industry changes driving this perspective?
New Narrative • May 07
Digital Efficiency Gains And Senior Care Demand Will Support A Steady Outlook
Catalysts About Terveystalo Oyj Terveystalo Oyj provides private healthcare services across Finland and Sweden, serving corporate, public sector and consumer customers. What are the underlying business or industry changes driving this perspective?Narrative Update • Apr 28
TTALO: Hold Downgrade And Dividend Policy Will Offer Future Upside Potential
Analysts have reduced their price target for Terveystalo Oyj from about €11.10 to around €10.30, citing a weaker than expected outlook and slightly softer assumptions for revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent commentary suggests a more cautious stance on Terveystalo, with the rating shifted to Hold and a price target of €10.70 that sits close to the revised €10.30 level.Narrative Update • Apr 12
TTALO: Hold Downgrade And Dividend Framework Will Support Future Upside Potential
Analysts have trimmed the Terveystalo Oyj fair value estimate slightly from €11.28 to €11.10, reflecting a reduced price target of €10.70 and updated views on revenue, profit margins and future P/E assumptions following a weaker than expected outlook. Analyst Commentary Analysts have taken a more cautious stance on Terveystalo Oyj after the weaker than expected outlook, with the rating shift to Hold and a price target set at €10.70.Narrative Update • Mar 29
TTALO: Hold Downgrade And Dividend Clarity Will Support Future Upside Potential
Analysts have trimmed their fair value estimate for Terveystalo Oyj from €11.62 to €11.28, reflecting a lower €10.70 price target and a weaker than expected outlook cited in recent research. Analyst Commentary Analysts see the cut to fair value and the downgrade to Hold as a reset around Terveystalo Oyj's current execution risks and outlook, with the new €10.70 price target lining up more closely with the reassessed fair value of €11.28.Narrative Update • Mar 13
TTALO: Hold Downgrade And Dividend Plan Will Support Future Share Repricing
Analysts have reset their price target on Terveystalo Oyj to €10.70, reflecting a reassessment of the shares after what they describe as a weaker than expected outlook. Analyst Commentary Bullish analysts see the reset to a €10.70 price target as a way to realign expectations with the company’s latest outlook while still reflecting some confidence in its ability to execute.Narrative Update • Feb 26
TTALO: Hold Downgrade And Dividend Proposal Will Support Future Rerating Potential
The analyst price target for Terveystalo Oyj has been trimmed by €0.26 to €11.62, reflecting a more cautious stance from analysts following a weaker than expected outlook and a downgrade to Hold. Analyst Commentary Recent research reflects a more cautious stance on Terveystalo Oyj, with the rating cut to Hold and a price target of €10.70.Analysis Article • Feb 14
Here's Why Terveystalo Oyj (HEL:TTALO) Can Manage Its Debt Responsibly
Howard Marks put it nicely when he said that, rather than worrying about share price volatility, 'The possibility of...Narrative Update • Feb 09
TTALO: Expanded Health Partnership Will Support EPS Momentum And Rerating Into 2025
Analysts have nudged their price target for Terveystalo Oyj slightly higher to €11.88 from €11.64, citing updated assumptions around the discount rate, revenue growth, profit margin and future P/E as the key drivers. What's in the News Terveystalo and Nightingale Health signed a new agreement that expands their existing partnership, which was first set up in 2021.Analysis Article • Jan 27
Terveystalo Oyj (HEL:TTALO) Is Doing The Right Things To Multiply Its Share Price
If we want to find a stock that could multiply over the long term, what are the underlying trends we should look for...Narrative Update • Jan 26
TTALO: Expanded Blood Analysis Partnership Will Support EPS Momentum Into 2025
Analysts have nudged their fair value estimate for Terveystalo Oyj higher from €11.30 to €11.64, citing updated assumptions around revenue growth, profit margins and future P/E expectations. What's in the News Terveystalo and Nightingale Health have signed a new agreement that deepens their partnership, first set up in 2021, focused on using blood analysis in healthcare services (Key Developments).Narrative Update • Jan 11
TTALO: Expanded Diagnostics Rollout Will Support EPS Momentum Into 2025
Analysts have kept their price target for Terveystalo Oyj steady at €11.30. This reflects largely unchanged views on the discount rate, revenue growth, profit margin and future P/E assumptions.Narrative Update • Dec 23
TTALO: Expanded Diagnostics Rollout And 2025 EPS Guidance Will Support Upside
Analysts have slightly adjusted their price target for Terveystalo Oyj to €11.30 from €11.30, reflecting unchanged assumptions on discount rate, revenue growth, margins, and future valuation multiples while reaffirming their existing outlook. What's in the News Terveystalo and Nightingale Health signed a new agreement that deepens their strategic partnership and extends Nightingale's single sample blood analysis, offering multi disease risk assessments, to all Terveystalo customer segments beyond occupational health customers (Key Developments).Narrative Update • Dec 09
TTALO: Expanded Diagnostics Partnership And Earnings Outlook Will Support Upside Into 2025
Analysts have nudged their price target for Terveystalo Oyj to EUR 11.30, reflecting largely unchanged assumptions on discount rate, revenue growth, profit margins, and future valuation multiples that continue to support a steady, fairly valued outlook. What's in the News Terveystalo and Nightingale Health signed a new agreement that deepens their strategic partnership and extends Nightingale's blood analysis service to all Terveystalo customer segments, beyond its existing use in occupational health checks for over 200,000 Finns (Key Developments) The expanded Nightingale collaboration aims to advance innovative healthcare by using a single blood sample to provide disease risk assessments for multiple chronic diseases, now integrated more broadly into Terveystalo's service offering (Key Developments) Terveystalo reaffirmed its earnings guidance for 2025, stating that it expects earnings per share to grow on average by 10 percent per year, with faster EPS growth in 2025 as fewer items affecting comparability are anticipated (Key Developments) Valuation Changes Fair Value: unchanged at €11.30 per share, indicating no reassessment of the company’s intrinsic value.Narrative Update • Nov 24
TTALO: Earnings Guidance Consistency Will Support Upside Momentum Into 2025
Analysts have reiterated their price target for Terveystalo Oyj at €11.30. They cite stable financial projections and unchanged market assumptions as the rationale for maintaining their outlook.Narrative Update • Nov 07
TTALO: Earnings Guidance Will Drive Share Price Higher In 2025
Analysts have revised their price target for Terveystalo Oyj downward from €11.98 to €11.30. This change reflects slightly lower expectations for revenue growth and profit margins.Analysis Article • Oct 28
Earnings Miss: Terveystalo Oyj Missed EPS By 5.5% And Analysts Are Revising Their Forecasts
Terveystalo Oyj ( HEL:TTALO ) missed earnings with its latest third-quarter results, disappointing overly-optimistic...Narrative Update • Oct 24
Earnings Will Grow Faster In 2025 With Improved Margin Outlook
Analysts have revised their price target for Terveystalo Oyj down from €12.60 to €11.98. This change reflects updated expectations for revenue growth, profit margins, and valuation metrics.New Narrative • Aug 03
Kela 65 Scheme And Digital Health Will Broaden Patient Access
Expansion into new public and private healthcare initiatives, as well as high-demand segments, positions the company for sustainable revenue growth and margin enhancement.Analysis Article • Jul 26
Is Terveystalo Oyj (HEL:TTALO) Using Too Much Debt?
Warren Buffett famously said, 'Volatility is far from synonymous with risk.' It's only natural to consider a company's...Analysis Article • Jul 07
Terveystalo Oyj (HEL:TTALO) Might Have The Makings Of A Multi-Bagger
To find a multi-bagger stock, what are the underlying trends we should look for in a business? Amongst other things...Analysis Article • May 24
Some Confidence Is Lacking In Terveystalo Oyj's (HEL:TTALO) P/S
When you see that almost half of the companies in the Healthcare industry in Finland have price-to-sales ratios (or...Analysis Article • Apr 17
Is Terveystalo Oyj (HEL:TTALO) Trading At A 50% Discount?
Key Insights The projected fair value for Terveystalo Oyj is €23.26 based on 2 Stage Free Cash Flow to Equity...Analysis Article • Apr 02
Shareholders Will Most Likely Find Terveystalo Oyj's (HEL:TTALO) CEO Compensation Acceptable
Key Insights Terveystalo Oyj to hold its Annual General Meeting on 8th of April Salary of €452.0k is part of CEO Ville...Analysis Article • Mar 19
We Like These Underlying Return On Capital Trends At Terveystalo Oyj (HEL:TTALO)
If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Firstly, we'll...Analysis Article • Feb 22
Shareholders Can Be Confident That Terveystalo Oyj's (HEL:TTALO) Earnings Are High Quality
Even though Terveystalo Oyj ( HEL:TTALO ) posted strong earnings, investors appeared to be underwhelmed. We did some...Analysis Article • Feb 19
Earnings Miss: Terveystalo Oyj Missed EPS By 9.2% And Analysts Are Revising Their Forecasts
Terveystalo Oyj ( HEL:TTALO ) shareholders are probably feeling a little disappointed, since its shares fell 4.9% to...Analysis Article • Jan 15
Terveystalo Oyj's (HEL:TTALO) P/S Still Appears To Be Reasonable
It's not a stretch to say that Terveystalo Oyj's ( HEL:TTALO ) price-to-sales (or "P/S") ratio of 1x right now seems...Analysis Article • Nov 27
We Like These Underlying Return On Capital Trends At Terveystalo Oyj (HEL:TTALO)
Did you know there are some financial metrics that can provide clues of a potential multi-bagger? In a perfect world...Analysis Article • Oct 30
Terveystalo Oyj Beat Analyst Estimates: See What The Consensus Is Forecasting For Next Year
The third-quarter results for Terveystalo Oyj ( HEL:TTALO ) were released last week, making it a good time to revisit...Analysis Article • Sep 23
Terveystalo Oyj (HEL:TTALO) Will Pay A Dividend Of €0.15
Terveystalo Oyj's ( HEL:TTALO ) investors are due to receive a payment of €0.15 per share on 16th of October. This...Analysis Article • Sep 09
Terveystalo Oyj (HEL:TTALO) Is Due To Pay A Dividend Of €0.15
The board of Terveystalo Oyj ( HEL:TTALO ) has announced that it will pay a dividend of €0.15 per share on the 16th of...Analysis Article • Aug 20
Terveystalo Oyj (HEL:TTALO) Will Pay A Dividend Of €0.15
The board of Terveystalo Oyj ( HEL:TTALO ) has announced that it will pay a dividend on the 16th of October, with...Analysis Article • Jul 26
Terveystalo Oyj (HEL:TTALO) Has Announced A Dividend Of €0.15
Terveystalo Oyj ( HEL:TTALO ) will pay a dividend of €0.15 on the 16th of October. This takes the dividend yield to...Analysis Article • Jul 20
Terveystalo Oyj (HEL:TTALO) Analysts Are Pretty Bullish On The Stock After Recent Results
As you might know, Terveystalo Oyj ( HEL:TTALO ) recently reported its second-quarter numbers. The result was positive...Analysis Article • Jul 12
Terveystalo Oyj (HEL:TTALO) Has Announced A Dividend Of €0.15
Terveystalo Oyj ( HEL:TTALO ) has announced that it will pay a dividend of €0.15 per share on the 16th of October. This...Analysis Article • Jun 16
Terveystalo Oyj (HEL:TTALO) Will Pay A Dividend Of €0.15
The board of Terveystalo Oyj ( HEL:TTALO ) has announced that it will pay a dividend on the 16th of October, with...Analysis Article • May 31
Terveystalo Oyj (HEL:TTALO) Has Announced A Dividend Of €0.15
Terveystalo Oyj ( HEL:TTALO ) has announced that it will pay a dividend of €0.15 per share on the 16th of October. This...Analysis Article • May 01
Terveystalo Oyj Just Recorded A 21% EPS Beat: Here's What Analysts Are Forecasting Next
It's been a good week for Terveystalo Oyj ( HEL:TTALO ) shareholders, because the company has just released its latest...Shareholder Returns
| TTALO | FI Healthcare | FI Market | |
|---|---|---|---|
| 7D | -0.5% | -1.3% | -1.0% |
| 1Y | -35.1% | -4.3% | 24.5% |
Return vs Industry: TTALO underperformed the Finnish Healthcare industry which returned -4.3% over the past year.
Return vs Market: TTALO underperformed the Finnish Market which returned 24.5% over the past year.
Price Volatility
| TTALO volatility | |
|---|---|
| TTALO Average Weekly Movement | 3.7% |
| Healthcare Industry Average Movement | 4.7% |
| Market Average Movement | 4.6% |
| 10% most volatile stocks in FI Market | 8.1% |
| 10% least volatile stocks in FI Market | 2.8% |
Stable Share Price: TTALO has not had significant price volatility in the past 3 months compared to the Finnish market.
Volatility Over Time: TTALO's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2001 | 7,795 | Ville Iho | www.terveystalo.com |
Terveystalo Oyj provides occupational healthcare services in Finland, Sweden, and Estonia. It operates through three segments: Healthcare Services, Portfolio Businesses, and Sweden. The company offers general practice and specialist medical care, diagnostic, outpatient surgery, dental, and other adjacent services; healthcare outsourcing and staffing services; child welfare services; and oral health, social, ER, well-being, and primary healthcare and specialty care services, as well as imaging and laboratory tests.
Terveystalo Oyj Fundamentals Summary
| TTALO fundamental statistics | |
|---|---|
| Market cap | €971.40m |
| Earnings (TTM) | €76.40m |
| Revenue (TTM) | €1.24b |
12.6x
P/E Ratio0.8x
P/S RatioIs TTALO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TTALO income statement (TTM) | |
|---|---|
| Revenue | €1.24b |
| Cost of Revenue | €889.60m |
| Gross Profit | €350.60m |
| Other Expenses | €274.20m |
| Earnings | €76.40m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 17, 2026
| Earnings per share (EPS) | 0.60 |
| Gross Margin | 28.27% |
| Net Profit Margin | 6.16% |
| Debt/Equity Ratio | 78.2% |
How did TTALO perform over the long term?
See historical performance and comparisonDividends
8.4%
Current Dividend Yield106%
Payout RatioDoes TTALO pay a reliable dividends?
See TTALO dividend history and benchmarks| Terveystalo Oyj dividend dates | |
|---|---|
| Ex Dividend Date | Oct 07 2026 |
| Dividend Pay Date | Oct 15 2026 |
| Days until Ex dividend | 84 days |
| Days until Dividend pay date | 92 days |
Does TTALO pay a reliable dividends?
See TTALO dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/14 17:58 |
| End of Day Share Price | 2026/07/14 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Terveystalo Oyj is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Iiris Theman | Carnegie Investment Bank AB |
| Sami Sarkamies | Danske Bank |
| Iiris Theman | DNB Carnegie |