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Terveystalo
Terveystalo (TTALO) investor relations material
Terveystalo Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Achieved record profitability and efficiency across all business segments despite revenue declines and challenging market conditions, driven by operational improvements and cost savings.
Customer visits totaled 7.2 million, with 1.2 million digital service users and 14,400 professionals engaged.
Maintained top consumer brand status, high patient enablement, and NPS scores.
Strategic focus on digital transformation, customer value, and growth in key segments, including consumers, Kela 65, and insurance customers.
Major investment in Occupational Healthcare products and services, with a two-year, EUR 20 million renewal program underway.
Financial highlights
FY 2025 revenue was EUR 1,279 million, down 4.6% year-over-year; Q4 revenue was EUR 330 million, down 6.8% year-over-year.
Adjusted EBIT for FY 2025 rose 11.3% to EUR 156 million; Q4 adjusted EBIT up 17.2% to EUR 45 million.
EBITA margin reached 14% in 2025, up from 12.8% in 2024 and 8.4% in 2022.
EPS increased 29% to EUR 0.73; proposed dividend of EUR 0.64 per share, up 33% and representing an 88% payout ratio.
Cash flow from operating activities was EUR 207 million; leverage ratio at 2.1, an all-time low.
Outlook and guidance
2026 adjusted EBIT/EBITA guidance: EUR 135–165 million (2025: EUR 156 million), reflecting a corridor for both improvement and potential weakness.
First half of 2026 expected to be below 2025 due to weak flu season and continued macro headwinds; normalization anticipated in the second half.
Guidance excludes material acquisitions, including the pending Hohde transaction.
Gradually improving demand environment expected by end of 2026, with public sector and Occupational Health markets remaining challenging.
How do positive regulatory changes impact 2026 EBIT guidance?
Detail Portfolio Businesses' growth strategy
How do digital investments create competitive edge?
What specific efficiency drivers underpin current profitability?
Update on occupational health connected employees
Key external factors for 2026 guidance range
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Next Terveystalo earnings date
Q1 202624 Apr, 2026
Terveystalo
Next Terveystalo earnings date
Q1 202624 Apr, 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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