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Terveystalo (TTALO) investor relations material
Terveystalo Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Q3 2025 revenue declined 5.2% year-over-year to €280.4 million, but adjusted EBIT margin improved to 9.5% and EPS rose 9.7% to €0.13, supported by operational efficiency and a completed profitability program.
Sweden operations are in turnaround, showing improved efficiency and results, though not yet profitable; focus remains on profitability before growth.
Portfolio Businesses completed profitability turnarounds, with growth targeted in dental and public market segments.
Healthcare Services segment maintains high margins, with focus shifting to volume growth via selective M&A and digital investments.
Consumer-driven businesses and insurance segments are performing well, with brand preference at an all-time high.
Financial highlights
Adjusted EBIT was €26.8 million, down 1.0% year-over-year, while operating cash flow increased 32.0% to €54.5 million.
Net debt to EBITDA improved to 2.1, with net debt at €500.5 million and strong cash flow supporting investments.
Portfolio Businesses revenue fell 17.5% year-over-year, but adjusted EBIT margin rose to 7.4%.
Sweden's EBIT improved but remains negative due to seasonality; efficiency and occupancy rates are rising.
Return on equity (LTM) reached 16.4%, up from -2.2% a year earlier.
Outlook and guidance
Full-year 2025 adjusted EBIT is expected at €155–165 million (2024: €140.5 million), with profitability strengthening across all segments.
Guidance is based on current demand, employment, and morbidity rates, and excludes significant acquisitions or divestments.
Q4 baseline adjusted for absence of prior year one-off personnel expenses and accelerated amortizations.
Market conditions in Sweden and public sector expected to improve over the next 12 months, with positive sales pipeline.
EPS is targeted to grow by 10% annually in the medium term, with at least 80% of net result distributed as dividends.
What specific efficiencies drove 9M EBIT growth?
Detail the MedHelp JV's impact on occupational health.
Quantify expected volume from 65+ freedom-of-choice pilot.
What specific product changes drive OH growth?
Quantify digital investments' efficiency gains.
What M&A segments are most attractive now?
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Next Terveystalo earnings date
Q4 202513 Feb, 2026
Next Terveystalo earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
Terveystalo provides occupational healthcare services in Finland. It offers services through a network of approximately 70 healthcare centers and approximately 40 mobile clinics, as well as its online service. It also provides specialist medical care and dental care; laboratory, imaging, and cardiology services; and rehabilitation, physiotherapy, and occupational health services. In addition, the company offers Pihlajalinna-brand primary care services in various locations of Finland.
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