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Terveystalo Oyj (0RV1) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Terveystalo Oyj €8.45, price €7.51, upside +12.5%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Healthcare · GB · ISIN FI4000252127

TO Thin data Sep 24, 2026

Terveystalo Oyj

0RV1 · LSE

UndervaluedQuality growthThe stock appears undervalued with acceptable quality.

✓Fair value €8.45 · Undervalued (+12.5%)
!Quality 52/100
!Mixed Growth (revenue 3y +12.7 %/yr)
!Thin margins · 5.6% net margin (TTM)
!Moderate debt
·8.5% dividend yield · Safety not assessed
!Moderate moat 45/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

€11.77 €5.19 Fair Value €8.45 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range €5.19 – €11.77 · fair‑value band €5.81 – €11.06 · the €7.51 price screens below the €8.45 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Terveystalo Oyj provides occupational healthcare services in Finland, Sweden, and Estonia. It operates through three segments: Healthcare Services, Portfolio Businesses, and Sweden.

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Terveystalo Oyj provides occupational healthcare services in Finland, Sweden, and Estonia. It operates through three segments: Healthcare Services, Portfolio Businesses, and Sweden. The company offers general practice and specialist medical care, diagnostic, outpatient surgery, dental, and other adjacent services; healthcare outsourcing and staffing services; child welfare services; and oral health, social, ER, well-being, and primary healthcare and specialty care services, as well as imaging and laboratory tests. It also provides remote and digital, diagnostic and screening, therapy and rehabilitation, and occupational health; leasing of personnel, partnership solutions, and assessment of the need for care; and organizational management consulting and addiction prevention services. The company serves private individuals and families, corporate and consumer, insurance companies, and public sector customers. Terveystalo Oyj was founded in 2001 and is headquartered in Helsinki, Finland.

Stock analysis

Terveystalo Oyj (0RV1) currently trades at €7.51, while our model-based Fair Value estimate is €8.45, implying the stock looks roughly 11.1% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of €7.39 per share, and 5 of the 25 models we run sit above the €7.51 price.

Bear case: the Economic Profit group reads lowest at €1.63, and 20 of the 25 models stay below the price. Evidence for this calculation is low.

Scenario range: €5.81 (bear) to €11.06 (bull), the price of €7.51 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Healthcare sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Terveystalo Oyj reported revenue of €986M in FY2020 versus €547M in FY2016, a compound +15.9%/yr. Reported net income was €45.8M in FY2020, compounding +38.1%/yr from FY2016. FY2016 was a trough year, so the rate overstates the trend.

Key figures

Market cap €1.5B · P/S ratio 1.23 · Dividend yield 8.5% · Net margin 4.6% · Return on equity 12.6% · Return on assets (EBIT) 4.9% · Operating margin 7.9% · Revenue (TTM) €1.2B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 25% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Healthcare peers we cover trades at 6% fair-value upside, at 12%, 0RV1 screens cheaper than that median.

Fair Value models

Bear €5.81 Fair Value €8.45 Bull €11.06
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF €6.31 €11.15 €18.49 74
EPV €1.30 €1.63 €1.91 74
Growth DCF €6.20 €10.48 €16.57 73
All 25 models by family
DCF Models
FCF DCF €6.31 €11.15 €18.49 74
5Y Revenue Exit €3.52 €5.98 €9.15 68
5Y EBITDA Exit €6.77 €12.63 €19.90 70
5Y P/E Exit €3.81 €6.57 €9.62 67
10Y Revenue Exit €4.43 €6.99 €10.61 63
10Y EBITDA Exit €6.48 €11.42 €18.77 63
10Y P/E Exit €4.69 €7.39 €10.97 60
Earnings-Based
Graham-Dodd €1.57 €7.11 €9.75 61
Lynch FV €1.86 €2.66 €3.45 58
PEG = 1.0 €1.86 €2.66 €3.45 55
EPV €1.30 €1.63 €1.91 74
Dividend Discount
Gordon GGM €1.38 €2.49 €3.43 65
DDM Multi-Stage €1.38 €2.28 €2.66 64
Multiples
P/E Multiple €3.80 €5.07 €6.34 63
P/S Multiple €2.94 €3.92 €4.90 58
P/B Multiple €2.94 €3.92 €4.90 55
EV/EBIT €3.18 €4.61 €6.05 65
EV/EBITDA €7.86 €10.85 €13.85 67
EV/Revenue €1.94 €3.26 €4.58 52
Asset-Based
NCAV (Graham) €1.44 €1.93 €2.87 54
Growth DCF
Growth DCF €6.20 €10.48 €16.57 73
Rev-Margin DCF €3.52 €6.02 €9.24 68
Economic Profit
Residual Income €2.28 €2.41 €2.64 73
ROIC Compounder €1.30 €1.63 €1.91 69
Growth Earnings
Growth-Adj P/E €3.09 €4.41 €5.73 65

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Quality Score breakdown

Overall quality 52/100

Of which business quality 55 · Market factors (momentum, volatility) 43

Profitability 50
Margins and returns on capital today
Quality Growth 32
Are margins and returns improving?
Cashflow 85
Earnings quality: real cash, not paper profit
Fin. Strength 40
Balance sheet, leverage, solvency risk
Investment 63
Disciplined investing over empire-building
Low Volatility 90
Calm price path (market factor)
Momentum 29
Price trend over the last 3–12 months (market factor)
52W Momentum 15
Distance to the 52-week high (market factor)

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−4.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.7%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
5.4% (2016) → 6.8% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
not computed

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Compare Terveystalo Oyj with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Medical Care Facilities · 246 stocks

Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −39.9% · Bottom 25%
Profitability
Return on equity (TTM) 12.6% · Above median
Return on assets 5.2% · Above median
Net margin (TTM) 5.6% · Above median
Operating margin (TTM) 7.9% · Below median
Growth and dividend
Revenue growth −8.8% · Bottom 25%
Dividend yield (TTM) 8.5% · Top 25%
Balance sheet
Debt / equity 0.53× · Highest 25%

Valuation Multiplesvs Medical Care Facilities median · lower = cheaper

P/B 3.03× · Pricier than median
P/S (TTM) 1.43× · Pricier than median
EV/EBITDA 12.0× · Pricier than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Medical Care Facilities stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
HCA Healthcare, Inc HCA $431.63 $597.97 +39%
Fresenius SE FRE €43.64 €34.49 −21%
Dr. Sulaiman Al Habib Medical Services Group 4013 225.00 SAR 109.45 SAR −51%
Tenet Healthcare Corporation THC $257.93 $274.35 +6%
IHH Healthcare Berhad, an investment holding company, 5225 8.03 MYR 4.87 MYR −39%
Apollo Hospitals Enterprise Limited APOLLOHOSP ₹8,889 ₹2,908 −67%
Encompass Health Corporation EHC $123.47 $94.47 −23%
Fresenius Medical Care AG FMS $22.27 $45.84 +106%
DaVita Inc DVA $178.07 $215.81 +21%
Aier Eye Hospital Group 300015 ¥7.91 ¥10.86 +37%

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Terveystalo Oyj · Fair Value
€8.45 +11%Fair Value
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Cite: Fair Value Calculator (2026). "Terveystalo Oyj Fair Value". https://www.fairvalue-calculator.com/stock/0RV1

Frequently asked questions

Is Terveystalo Oyj (0RV1) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €8.45 versus a price of €7.51, about +12% upside (undervalued).
What is the fair value of 0RV1?
Our model-based fair value for Terveystalo Oyj is €8.45 (as of Sep 24, 2026), built from audited fundamentals. The current price: €7.51.
What is the quality score of 0RV1?
Terveystalo Oyj has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Terveystalo Oyj (0RV1)?
Our model-based price target is the fair value of €8.45 (as of Sep 24, 2026) from 25 valuation models. Cautious scenario €5.81, optimistic scenario €11.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Terveystalo Oyj stock forecast for 2026?
Our models put fair value at €8.45, about +12% upside versus a price of €7.51 (undervalued). Cautious scenario €5.81, optimistic scenario €11.06. The calculation is refreshed regularly with new filings.
What is the revenue of Terveystalo Oyj (0RV1)?
Terveystalo Oyj reported trailing-twelve-month revenue of about €1.2B (latest available figure, as of Sep 24, 2026).
Does Terveystalo Oyj pay a dividend?
Terveystalo Oyj currently shows a dividend yield of about 8.52% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Terveystalo Oyj (0RV1)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Terveystalo Oyj it is €8.45 per share (as of Sep 24, 2026), against a price of €7.51. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is Terveystalo Oyj stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0RV1 trades below its calculated fair value: price €7.51, fair value €8.45, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0RV1?
No. The price is what the market pays today (€7.51); the fair value is what the company's own numbers justify (€8.45). For Terveystalo Oyj the two are €0.9380 per share apart. That gap is exactly why we show both numbers side by side.
How much is Terveystalo Oyj worth?
The market values Terveystalo Oyj at about €1.5B (market capitalisation, as of Sep 24, 2026). Per share that is €7.51; our models calculate a fair value of €8.45 per share.
What do the bullish and bearish scenarios say about 0RV1?
Our models span a range for Terveystalo Oyj: cautious scenario €5.81, base €8.45, optimistic €11.06 per share (as of Sep 24, 2026, price €7.51). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Terveystalo Oyj (0RV1)?
Balance-sheet figures for Terveystalo Oyj (as of Sep 24, 2026): return on equity 12.6%, debt of 0.53 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is 0RV1 from its 52-week high?
Terveystalo Oyj trades at €7.51, about 25% below its 52-week high of €9.95 and 8% above the low of €6.95 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €8.45 is for.
Which stocks are comparable to Terveystalo Oyj?
From the same area (Healthcare) we also value HCA Healthcare, Inc, Fresenius SE, Dr. Sulaiman Al Habib Medical Services Group, Tenet Healthcare Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Terveystalo Oyj stock attractive at the current price?
The data as of Sep 24, 2026: price €7.51, calculated fair value €8.45 (+12%), Quality Score 52/100, from 25 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0RV1 calculated?
We run Terveystalo Oyj through 25 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €8.45, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Terveystalo Oyj currently trades 11 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Terveystalo Oyj (0RV1)?
The closing price on Oct 2, 2026 was €7.51. Our model-based fair value is €8.45, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Terveystalo Oyj right now?
A fairly wide model range (€5.81 to €11.06) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Terveystalo Oyj

How large is the market capitalisation of Terveystalo Oyj (0RV1)?
The market capitalisation of Terveystalo Oyj is €1.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Terveystalo Oyj (0RV1)?
The price-to-sales ratio of Terveystalo Oyj is 1.23 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Terveystalo Oyj (0RV1)?
The dividend yield of Terveystalo Oyj is 8.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Terveystalo Oyj (0RV1)?
The net margin of Terveystalo Oyj is 4.6% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Terveystalo Oyj (0RV1)?
The return on equity (ROE) of Terveystalo Oyj is 12.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Terveystalo Oyj (0RV1)?
On an EBIT basis the return on assets of Terveystalo Oyj is 4.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Terveystalo Oyj (0RV1)?
The operating margin of Terveystalo Oyj is 7.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Terveystalo Oyj (0RV1)?
Revenue at Terveystalo Oyj is growing −8.8% versus a year earlier (3y avg +12.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Terveystalo Oyj (0RV1)?
Earnings per share at Terveystalo Oyj are growing −36.0% versus a year earlier. How much earnings per share grew versus a year earlier.
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