TTALO.HE
Strong BuyUnloved QualityFLAGTerveystalo Oyj · Healthcare · Finland · $1.1B · Avg Vol: $2M/d
Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.
Terveystalo has quality Q64 and value V82, but momentum at M34 is well below the calibrated floor, so stage one fails. A 3.7% forward-EPS cut is separately adverse.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT TERVEYSTALO OYJ
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Terveystalo Oyj is the largest private healthcare service provider in Finland, offering primary, specialized, and occupational healthcare services. The company's competitive moat is sustained by its nationwide network of clinics, dominant position in corporate occupational health, and advanced digital healthcare platform. Terveystalo is a highly defensive market leader, benefiting from structural public sector outsourcing and an aging population.
FINANCIAL SUMMARY (EUR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.3B | 1.3B | 1.3B | 0.5% | 1.2B | 1.2B | 1.4B | 3.2% |
| EPS (EUR) | 0.19 | -0.33 | 0.57 | 0.73 | 56.6% | 0.53 | 0.56 | 0.71 | -1.5% |
| Shares | 126.5M | 126.6M | 126.6M | 126.7M | +0.1% | 126.8M | — | — | — |
| Debt | 607.0M | 635.8M | 570.0M | 580.8M | -1.5% | 651.8M | — | — | — |
| Equity | 592.0M | 515.4M | 548.2M | 584.2M | -0.4% | — | — | — | — |
| Op CF | 140.9M | 157.8M | 223.7M | 207.0M | 13.7% | 176.2M | — | — | — |
| Inv CF | -93.9M | -44.2M | -47.4M | -69.6M | — | — | — | — | — |
| Fin CF | -44.6M | -116.0M | -148.8M | -126.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Healthcare, ranked by industry match, size, and score similarity. Cross-listings of TTALO.HE are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TTALO.HE | Terveystalo Oyj(you) | $1.1B | 88 | Strong Buy |
| PIHLIS.HE | Pihlajalinna Oyj | $278M | 83 | Strong Buy |
| ORIOLA.HE | Oriola Oyj | $191M | 67 | Buy |
| ORNBV.HE | Orion Oyj | $13.1B | 95 | Strong Buy |
| REG1V.HE | Revenio Group Oyj | $435M | 44 | Hold |
| NANOFS.ST | Nanoform Finland Oyj | $77M | 37 | Hold |
| NXTMH.HE | Nexstim Plc | $79M | 27 | Sell |
| MODU.HE | Modulight Oyj | $51M | 32 | Sell |
| FARN.L | Faron Pharmaceuticals Oy | $95M | 7 | Strong Sell |
| OPTOMED.HE | Optomed Oyj | $59M | 16 | Strong Sell |
Peer medians: ROE -19.1% · P/E 19.5x · Gross margin 66.9%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.