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Terveystalo (TTALO) investor relations material
Terveystalo Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Q2 2025 EBIT reached an all-time high of €36.7M with an 11.4% margin, despite revenue declining 5.5% year-over-year.
Profitability improved across all segments, driven by operational efficiency, cost discipline, and contract terminations.
EPS increased 55.1% to €0.18 in Q2, reflecting stronger profitability.
Strategic focus remains on organic and inorganic growth, digital investments, and operational efficiency.
Revenue declined mainly due to softness in occupational health, portfolio businesses, and fewer working days.
Financial highlights
Q2 2025 adjusted EBIT: €36.7M (+5.1% y/y), margin 11.4% (up 1.1pp y-o-y); EPS: €0.18 (+55.1% y/y).
Operating cash flow in Q2: €40.5M, down 8.8% y-o-y; net debt to EBITDA at 2.2.
Healthcare Services Q2 revenue: €257.4M (-1.6% y-o-y), margin 13.9%.
Portfolio Businesses Q2 revenue: €49.0M (-21.8% y-o-y), margin 7.7%.
Sweden Q2 revenue: €20.5M (-7.3% y-o-y), margin -2.7%.
Outlook and guidance
Full-year 2025 adjusted EBIT expected at €155–165M (2024: €140.5M), with margin of 10.7–11.8%.
Revenue growth anticipated in H2, supported by KELA 65, public sector demand, and consumer insurance markets.
Portfolio Businesses revenue to decrease by €30M due to expiring outsourcing contracts.
Guidance assumes stable demand, employment, and typical morbidity; excludes major M&A.
Medium-term targets: EPS growth of 10% p.a., net debt/EBITDA ≤2.5x, dividend payout ≥80% of net result.
Clarify Sweden's profit improvement program.
How will the Kela reform impact Terveystalo?
Detail Portfolio Businesses' consumer growth.
What actions address occupational health softness?
How will Kela 65 impact margins?
Detail timeline for technology P&L impact.
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Next Terveystalo earnings date
Q3 202523 Oct, 2025
Next Terveystalo earnings date
Q3 202523 Oct, 2025
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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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