profit from every €100 of sales.
€0€100
Terveystalo Oyj
€6.18-0.80% today
-33.2% in 1 year
1-year low €5.961-year high €10.34
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €8.46 for every €1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Terveystalo Oyj sold, what it kept, and what it did with the cash.
Sales went from €1.26 billion in 2022 to €1.28 billion in 2025, with €92.6 million of profit last year.
SalesProfit
Terveystalo Oyj handed back 39% of the cash it generated last year.
€61M
Free cash flow 2025€155M
Bought back its own shares–
Paid as dividends€61M
Cash vs. debt€75M vs. €581M
Terveystalo Oyj vs. similar companies
Terveystalo Oyj grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Terveystalo Oyj | 8.5× · Cheap | ||
 HCA Healthcare | 15.5× · Fair price | ||
 Fresenius SE & Co. KGaA | 23.4× · Fair price | ||
 IHH Healthcare Berhad | 33.3× · Expensive | ||
 Rede D'Or São Luiz | 15.7× · Fair price |
AI analysis
An AI analyst reads Terveystalo Oyj's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,259 | 1,286 | 1,340 | 1,279 | |
| 733 | 750 | 790 | 769 | |
| 66 | 71 | 119 | 141 | |
| 144 | 91 | 217 | 233 | |
| 24 | -42 | 72 | 93 | |
| 0.19 | -0.33 | 0.57 | 0.73 | |
| 58.2% | 58.3% | 59.0% | 60.1% | |
| 5.2% | 5.5% | 8.9% | 11.0% | |
| 1.9% | -3.3% | 5.4% | 7.2% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,479 | 1,420 | 1,398 | 1,441 |
| Cash | 40 | 38 | 65 | 75 |
| Total debt | 607 | 636 | 570 | 581 |
| Total liabilities | 887 | 904 | 850 | 857 |
| 592 | 515 | 548 | 584 | |
| 127 | 127 | 127 | 127 | |
| 2.7% | -1.1% | 8.2% | 9.4% | |
| 4.1% | -8.2% | 13.1% | 15.9% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 141 | 158 | 224 | 207 | |
| 59 | 41 | 40 | 52 | |
| 82 | 117 | 184 | 155 | |
| Dividends paid | 35 | 35 | 38 | 61 |
| 0 | – | – | – | |
| – | – | – | – |
Valuation
- 8.5×
- –
- 0.15
- 1.6×
- 0.6×
- 5.0×
- 5.5×
- 19.8%
- 11.8%
- 7.8%
Profitability
- 60.1%
- 11.0%
- 7.2%
- –
- 9.4%
- 4.8%
- –
- –
- –
- –
Growth
- +0.5%
- +56.6%
- –
- –
- −0.1%
Financial health
- 2.2×
- 0.99
- –
- 6.6×
- 0.67
- –
- –
How it ranks in Healthcare
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 31%of 948
Top 45%of 871
Top 7%of 560
Bottom 17%of 868
Top 3%of 985
7.8%of the share price, paid each year
On $1,000 invested$78a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
65.7% of its profit
Room to growStretchedMore than it earns: 39.1%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
54No pass
Benjamin Graham
55No pass
Philip Fisher
64Pass
Peter Lynch
77Pass
Joel Greenblatt
53No pass
Charlie Munger
39No pass
Terry Smith
42No pass
Questions about Terveystalo Oyj
Is Terveystalo Oyj a good stock to buy?
A business with weak numbers, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Terveystalo Oyj AI analysis
What does Terveystalo Oyj do?
Terveystalo Oyj provides occupational healthcare services in Finland, Sweden, and Estonia. It operates through three segments: Healthcare Services, Portfolio Businesses, and Sweden. It is in Medical Care Facilities, based in Helsinki, Finland, with 7,795 employees.
Does Terveystalo Oyj pay a dividend?
Yes. At today's price the dividend is 7.8% a year, about 66% of its yearly profit. In 2025 it paid out €60.8 million in dividends.
Is Terveystalo Oyj stock halal?
No. Terveystalo Oyj does not pass our halal screen: its debt is 74% of its market value, at or above the 33% limit. How we check
How has Terveystalo Oyj stock done over the past year?
Down 33.2% over the past twelve months, to €6.18. It traded between €5.96 and €10.34 and is 40.2% below its high.
Who are Terveystalo Oyj's competitors?
The largest listed companies in the same industry are HCA Healthcare, Fresenius SE & Co. KGaA, IHH Healthcare Berhad and Rede D'Or São Luiz. The peers table on this page compares their profit, growth and price with Terveystalo Oyj's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.