CompanyGraph
Terveystalo Oyj
TTALO · Nasdaq Helsinki · Finland
Price data from its 4TS listing on FSX
terveystalo.comFinancials as of FY2025
What stands out
- Pays more per share than it earned over the last twelve months
At a glance
- Depends onDownstream position: depends on 12 industries, supplies 7
- ScaleMarket cap is $1.45B, above the global median of $1.15B
- PositionCurrent ratio is 0.61×, lower than 95% of its Medical Care Facilities peers (median 1.57×)
- Interpretations3 currently firing — 3
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Sign inWhat the company actually pays, and whether its own cash supports it.
What stands out
- Pays more per share than it earned over the last twelve months
Dividends view
Yield
8.19%Above 5Y avg (3.65%)
Annual Rate
EUR 0.64Paid semi-annual
Payout Ratio
105.7%High
Payback Period
13.6 yr
Next Ex-Dividend
Oct 7, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
1.25BEUR1.45B · vs all stocks (USD)
Trailing P/E
14.74xvs Medical Care Facilities peers
Revenue (TTM)
1.21BEUR1.42B · vs all stocks (USD)
Profit Margin
5.60%vs Medical Care Facilities peers
Beta
0.3710xvs all stocks
52-Week Change
-27.55%vs all stocks
Forward Annual Dividend Yield
8.19%vs all stocks
Market Capitalization
1.25BEUR1.45B · vs all stocks (USD)
Enterprise Value
1.54BEUR1.80B · vs all stocks (USD)
Trailing P/E
14.74xvs Medical Care Facilities peers
Forward P/E
10.32xvs Medical Care Facilities peers
PEG Ratio
-0.2554xvs Medical Care Facilities peers
Price to Sales (TTM)
0.8172xvs Medical Care Facilities peers
Price to Book (MRQ)
1.91xvs Medical Care Facilities peers
Enterprise to Revenue
1.27xvs Medical Care Facilities peers
Enterprise to EBITDA
9.38xvs Medical Care Facilities peers
Gross Margin
58.78%vs Medical Care Facilities peers
Profit Margin
5.60%vs Medical Care Facilities peers
Operating Margin
7.91%vs Medical Care Facilities peers
Return on Assets (TTM)
5.23%vs Medical Care Facilities peers
Return on Equity (TTM)
12.61%vs Medical Care Facilities peers
Revenue (TTM)
1.21BEUR1.42B · vs all stocks (USD)
Revenue per Share (TTM)
9.56EURUpdated Aug 22, 2026Quarterly Revenue Growth
-8.80%vs Medical Care Facilities peers
Gross Profit (TTM)
338.90MEUR395.92M · vs all stocks (USD)
EBITDA (TTM)
217.10MEUR253.63M · vs all stocks (USD)
Net Income (TTM)
67.90MEUR79.32M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
-37.80%vs Medical Care Facilities peers
Operating Cash Flow (TTM)
175.00MEUR204.45M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
106.42MEUR124.33M · vs all stocks (USD)
Forward Annual Dividend Rate
0.6400EURUpdated Aug 22, 2026Forward Annual Dividend Yield
8.19%vs all stocks
Trailing Annual Dividend Rate
0.5600EURUpdated Aug 22, 2026Trailing Annual Dividend Yield
7.17%vs all stocks
5-Year Average Dividend Yield
3.65%vs all stocks
Payout Ratio
105.66%vs Medical Care Facilities peers
Revenue
1.28BEURFY2025 · Dec 31, 2025Cost of Goods Sold
509.80MEURFY2025 · Dec 31, 2025Gross Profit
769.10MEURFY2025 · Dec 31, 2025Operating Income
141.00MEUR164.72M · vs all stocks (USD)
Pre-tax Income
116.20MEURFY2025 · Dec 31, 2025Income Tax Expense
23.50MEURFY2025 · Dec 31, 2025Net Income
92.60MEURFY2025 · Dec 31, 2025EBIT
136.80MEURFY2025 · Dec 31, 2025EBITDA (Income Statement)
233.80MEURFY2025 · Dec 31, 2025Selling, General & Administrative
13.90MEURFY2025 · Dec 31, 2025Other Operating Expenses
105.40MEURFY2025 · Dec 31, 2025Non-operating Interest Income
1.80MEURFY2025 · Dec 31, 2025Non-operating Interest Expense
20.60MEURFY2025 · Dec 31, 2025EPS (Basic)
0.7300EURFY2025 · Dec 31, 2025EPS (Diluted)
0.7300EURFY2025 · Dec 31, 2025Basic Shares Outstanding
126.65MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
126.65MSharesFY2025 · Dec 31, 2025Preferred Stock Dividends
0.00EURFY2025 · Dec 31, 2025Operating Cash Flow
145.00MEURFY2025 · Dec 31, 2025Free Cash Flow
114.80MEURFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
75.20MEURFY2025 · Dec 31, 2025Starting Profit (CF Statement)
116.20MEURFY2025 · Dec 31, 2025Other Non-cash Items
20.80MEURFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
8.40MEURFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-400.00KEURFY2025 · Dec 31, 2025Capital Expenditures
-30.20MEURFY2025 · Dec 31, 2025Net Intangibles (CF)
-20.80MEURFY2025 · Dec 31, 2025Net Acquisitions
-17.60MEURFY2025 · Dec 31, 2025Purchase of Investments
-1.00MEURFY2025 · Dec 31, 2025Net Investing Cash Flow
-48.80MEURFY2025 · Dec 31, 2025Long-term Debt Issuance
0.00EURFY2025 · Dec 31, 2025Long-term Debt Payments
-15.60MEURFY2025 · Dec 31, 2025Net Short-term Debt Issuance
2.50MEURFY2025 · Dec 31, 2025Common Dividends Paid
-60.80MEURFY2025 · Dec 31, 2025Other Financing Charges
1.40MEURFY2025 · Dec 31, 2025Net Financing Cash Flow
-72.50MEURFY2025 · Dec 31, 2025Shares Outstanding
126.81MSharesUpdated Aug 22, 2026Float Shares
105.61MSharesUpdated Aug 22, 2026% Held by Insiders
32.53%vs all stocks
% Held by Institutions
41.52%vs all stocks
Total Cash (MRQ)
87.50MEUR102.22M · vs all stocks (USD)
Total Cash per Share (MRQ)
0.6900EURUpdated Aug 22, 2026Total Debt (MRQ)
647.40MEUR756.33M · vs all stocks (USD)
Total Debt to Equity (MRQ)
1.22xvs Medical Care Facilities peers
Current Ratio (MRQ)
0.6120xvs Medical Care Facilities peers
Book Value per Share (MRQ)
4.09EURUpdated Aug 22, 2026Total Assets
1.44BEUR1.68B · vs all stocks (USD)
Total Current Assets
217.80MEURFY2025 · Dec 31, 2025Total Liabilities
856.90MEURFY2025 · Dec 31, 2025Total Non-current Assets
1.22BEURFY2025 · Dec 31, 2025Total Non-current Liabilities
532.70MEURFY2025 · Dec 31, 2025Total Current Liabilities
324.20MEURFY2025 · Dec 31, 2025Cash & Cash Equivalents
75.20MEURFY2025 · Dec 31, 2025Accounts Receivable
96.90MEURFY2025 · Dec 31, 2025Inventory
7.60MEURFY2025 · Dec 31, 2025Accounts Payable
47.10MEURFY2025 · Dec 31, 2025Short-term Debt
94.20MEURFY2025 · Dec 31, 2025Long-term Debt
486.60MEURFY2025 · Dec 31, 2025Other Non-current Liabilities
20.30MEURFY2025 · Dec 31, 2025Common Stock (Book)
100.00KEURFY2025 · Dec 31, 2025Retained Earnings
110.40MEURFY2025 · Dec 31, 2025Total Shareholders' Equity
584.20MEUR682.50M · vs all stocks (USD)
Treasury Stock
14.80MEURFY2025 · Dec 31, 202552-Week Low
6.45EURUpdated Aug 22, 202652-Week High
10.88EURUpdated Aug 22, 202652-Week Change
-27.55%vs all stocks
Beta
0.3710xvs all stocks
50-Day MA
7.50EURUpdated Aug 22, 2026200-Day MA
8.66EURUpdated Aug 22, 2026Avg 10-Day Volume
144.62KSharesUpdated Aug 22, 2026Avg 30-Day Volume
194.62KSharesUpdated Aug 22, 2026Diluted EPS (TTM)
0.5300EURUpdated Aug 22, 20263 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
FCF Ratios Elevated
Its free cash flow is large next to assets and equity, and more of its operating cash reaches it than in its industry.
Reads
Three Turnover Ratios Elevated
Collects fast, clears inventory fast, and pays suppliers fast too.
Reads
Where is this company structurally exposed?
Sharp Decline With Volume And Volatility Expansion
A steep fall on heavy volume, leaving the price far below its peak.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Current ratio is 0.61×, lower than 95% of its Medical Care Facilities peers (median 1.57×)Significant
Current ratio: 0.61Industry median: 1.57Industry P5: 0.64Peers compared: 70.00
Structural Tensions
Pays more per share than it earned over the last twelve monthsSignificant
Payout Ratio: 1.06Dividend per Share: 0.56Earnings per Share: 0.53
High gross margins eroded by operating costsNotable
Gross Margin: 0.59Profit Margin: 0.06
Financial Health
Altman Z-Score 2.09: grey zoneSignificant
Altman Z-Score: 2.09
High earnings qualityNotable
Earnings Quality Score: 1.23
Supply Chain
Downstream position: depends on 12 industries, supplies 7Notable
Outgoing: 7.00Incoming: 12.00
High connectivity hub: 19 industry connectionsNotable
Total Connections: 19.00
Scale
Market cap is $1.45B, above the global median of $1.15BNotable
Market cap (USD): 1,454,507,129.454Global Median: 1,146,734,693.424
Revenue is $1.42B, above the global median of $520.53MNotable
Revenue (USD): 1,415,814,331.384Global Median: 520,528,949.311
Levered free cash flow is $124.33M, above the global median of $16.24MNotable
Levered free cash flow (USD): 124,332,070.5Global Median: 16,239,329.704
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