Terveystalo Oyj (TTALO) Fair Value & Analysis

Healthcare · FI · Market cap €969M

A solid business, screening 74% undervalued on our models.

What matters now

• The price is below even our cautious bear case (€9.31). The market is more pessimistic than our downside scenario.
• Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
• A fairly wide model range (€9.31 to €17.85) leaves room in how you read the outcome.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.

How to read this chart

60‑month range €5.18 – €11.80 · fair‑value band €9.31 – €17.85 · the €7.61 price screens below the €13.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.

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Analysis

Terveystalo Oyj (TTALO) currently trades at €7.61, while our model-based Fair Value estimate is €13.24, implying the stock looks roughly 74.0% undervalued today. The Quality Score stands at 61/100 (solid quality), in the Healthcare sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Terveystalo Oyj generated revenue of €1.2B at a net margin of 6.2%. Revenue declined 11.2% year over year. It earns a return on equity of 13.9%. Net debt stands at €660M. Fundamentals as of Jul 12, 2026

Our scenario range runs from €9.31 (bear case) to €17.85 (bull case); at €7.61, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 34% below its 52-week high and 3% above its 52-week low, currently below its 200-day average. For context, the median of 10 Healthcare peers we cover trades at 11% fair-value upside, at 74%, TTALO screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: DCF Models (€14.46) versus Asset-Based (€3.09). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Terveystalo Oyj reported revenue of €1.3B in FY2025 versus €1.2B in FY2021, a compound +2.6%/yr. Reported net income was €92.6M in FY2025, compounding +3.6%/yr from FY2021.

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Peer Group

Medical Care Facilities · 262 stocks

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.

Valuation Multiples vs Medical Care Facilities median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 30/100

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.