Terveystalo Oyj (TTALF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Terveystalo Oyj (TTALF) trades at $11.00 with AI Score 42/100 (Grade C). Terveystalo Oyj is a Finnish healthcare service provider offering a wide range of medical and well-being services. Market cap: $1.39B, Sector: Healthcare.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for TTALF: TTALF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TTALF against Healthcare peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
TTALF: the 1 perspectives are evenly split.
How is this calculated? →Terveystalo Oyj (TTALF) Healthcare & Pipeline Overview
Terveystalo Oyj, based in Finland, is a comprehensive healthcare service provider with a network of clinics and hospitals. It offers a broad spectrum of medical, diagnostic, and well-being services to individuals, companies, and public sector clients, supported by digital healthcare solutions and a focus on occupational health.
What Is the Investment Thesis for TTALF?
Terveystalo Oyj presents a compelling investment case based on its established market position in the Finnish healthcare sector and its comprehensive service offerings. With a P/E ratio of 12.82 and a dividend yield of 5.12%, the company offers a blend of value and income potential. A key value driver is its extensive network of clinics and hospitals, providing a strong platform for organic growth and expansion of services. The company's focus on digital healthcare solutions and occupational health services positions it favorably to capitalize on evolving market trends. Catalysts include increasing demand for private healthcare services in Finland and potential acquisitions to expand its service portfolio and geographic reach. However, potential risks include regulatory changes in the Finnish healthcare system and increased competition from other healthcare providers. The company's beta of 0.42 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
TTALF Key Highlights
- Market capitalization of $1.39B reflects a substantial presence in the Finnish healthcare market.
- P/E ratio of 12.82 indicates a potentially undervalued stock compared to industry peers.
- Profit margin of 7.2% demonstrates the company's ability to generate profits from its operations.
- Gross margin of 41.0% suggests efficient cost management in service delivery.
- Dividend yield of 5.12% offers an attractive income stream for investors.
Who Are TTALF's Competitors?
TTALF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| DRWKF Drägerwerk AG & Co. KGaA | $111.58 | +11.06% | $2.09B | 50 |
| EBOSY EBOS Group Limited | $24.13 | -7.19% | $1.24B | 42 |
| IUSDF AS ONE Corporation | $14.00 | +0.00% | $997.75M | 46 |
| MEDGF Medacta Group S.A. | $83.91 | +0.00% | $1.67B | 55 |
| NPNKF Nippon Shinyaku Co., Ltd. | $32.75 | +4.30% | $2.21B | 61 |
| HWAIF Healwell AI Inc. | $0.53 | -3.52% | $160.75M | 65 |
| ASSF Assisted 4 Living, Inc. | $1.00 | +0.00% | $45.35M | 63 |
| FTRP Field Trip Health Ltd. | $0.84 | +1.07% | $9.81M | 62 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TTALF's Key Strengths?
- Comprehensive range of healthcare services.
- Extensive network of clinics and hospitals.
- Strong relationships with insurance companies and public sector entities.
- Focus on digital healthcare solutions.
What Are TTALF's Weaknesses?
- Reliance on the Finnish healthcare market.
- Potential for increased competition from other healthcare providers.
- Exposure to regulatory changes in the healthcare system.
- Dependence on key personnel.
What Could Drive TTALF Stock Higher?
- Increasing demand for private healthcare services in Finland.
- Potential acquisitions to expand service portfolio and geographic reach.
- Expansion of digital healthcare services to reach a broader customer base.
- Development of specialized clinics focused on specific medical conditions.
- Focus on occupational healthcare services to attract more corporate clients.
What Are the Key Risks for TTALF?
- Financial-distress signal — its Altman Z-Score of 1.63 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes in the Finnish healthcare system.
- Increased competition from other healthcare providers.
- Economic downturn affecting healthcare spending.
- Cybersecurity risks and data breaches.
- Dependence on key personnel.
What Are the Growth Opportunities for TTALF?
- Expansion of Digital Healthcare Services: Terveystalo can leverage its existing digital healthcare platform to offer a wider range of remote consultation, monitoring, and diagnostic services. The market for digital health solutions is growing rapidly, driven by increasing adoption of telehealth and remote patient monitoring. By investing in and expanding its digital capabilities, Terveystalo can reach a broader customer base, improve patient access to care, and enhance operational efficiency. The global digital health market is projected to reach $660 billion by 2025, presenting a significant growth opportunity.
- Strategic Acquisitions and Partnerships: Terveystalo can pursue strategic acquisitions and partnerships to expand its service portfolio and geographic reach. By acquiring smaller healthcare providers or forming partnerships with specialized clinics, Terveystalo can enhance its capabilities in specific areas such as specialized medical treatments or rehabilitation services. This strategy can enable the company to offer a more comprehensive range of services to its customers and strengthen its competitive position. The healthcare M&A market remains active, providing opportunities for Terveystalo to pursue value-accretive transactions.
- Focus on Occupational Healthcare: Terveystalo's existing focus on occupational healthcare services provides a strong foundation for further growth in this area. By expanding its offerings to include more comprehensive employee wellness programs, preventive care services, and mental health support, Terveystalo can attract more corporate clients and increase its revenue from occupational healthcare. The market for occupational health services is growing, driven by increasing awareness of the importance of employee health and wellbeing. The global occupational health market is projected to reach $7.8 billion by 2027.
- Development of Specialized Clinics: Terveystalo can develop specialized clinics focused on specific medical conditions or patient populations. By creating centers of excellence for areas such as cardiology, oncology, or orthopedics, Terveystalo can attract patients seeking specialized care and enhance its reputation as a leading healthcare provider. These specialized clinics can also serve as centers for clinical research and innovation, further differentiating Terveystalo from its competitors. The market for specialized medical services is growing, driven by increasing prevalence of chronic diseases and advancements in medical technology.
- Expansion into New Geographic Markets: While Terveystalo primarily operates in Finland, it can explore opportunities to expand into new geographic markets. By targeting neighboring countries or regions with similar healthcare systems and demographics, Terveystalo can leverage its existing expertise and infrastructure to establish a presence in new markets. This expansion can diversify the company's revenue streams and reduce its reliance on the Finnish healthcare market. The global healthcare market is vast and diverse, providing opportunities for Terveystalo to pursue international expansion.
What Opportunities Does TTALF Have?
- Expansion into new geographic markets.
- Strategic acquisitions and partnerships.
- Growth in digital healthcare services.
- Development of specialized clinics.
What Threats Does TTALF Face?
- Economic downturn affecting healthcare spending.
- Changes in government healthcare policies.
- Increased competition from new entrants.
- Cybersecurity risks and data breaches.
What Are TTALF's Competitive Advantages?
- Extensive network of clinics and hospitals provides a wide geographic reach.
- Comprehensive service offerings cater to a diverse range of healthcare needs.
- Strong relationships with insurance companies and public sector entities ensure a stable revenue stream.
- Focus on digital healthcare solutions enhances service delivery and patient experience.
What Does TTALF Do?
Founded in 2001 and headquartered in Helsinki, Finland, Terveystalo Oyj has grown to become a significant player in the Finnish healthcare market. The company provides a wide array of services, including general practice and specialist medical care, diagnostics, outpatient surgery, dental care, and various adjacent services. Terveystalo also offers outsourcing and staffing services, child welfare services, oral health solutions, laboratory and imaging services, and wellbeing programs. Its comprehensive service portfolio extends to digital healthcare solutions and clinical research services, catering to a diverse clientele encompassing private individuals, companies, communities, insurance companies, and public sector entities. Terveystalo operates a substantial network of 360 clinics across Finland, which includes 18 hospital units, 38 dental clinics, and 73 Rela hierojat massage therapy units. This extensive infrastructure enables the company to deliver accessible and integrated healthcare services throughout the country. The company's focus on occupational healthcare services further distinguishes it, providing tailored solutions to businesses and organizations to promote employee health and wellbeing. Terveystalo's commitment to innovation is evident in its adoption of digital healthcare technologies, enhancing service delivery and patient experience. The company's evolution from its founding to its current market position reflects its adaptability and responsiveness to the changing needs of the Finnish healthcare landscape.
What Products and Services Does TTALF Offer?
- Provides general practice and specialist medical care services.
- Offers diagnostic and outpatient surgery services.
- Delivers dental and other adjacent healthcare services.
- Provides outsourcing and staffing services for healthcare organizations.
- Offers child welfare services.
- Provides oral health, laboratory, and imaging services.
- Offers wellbeing, day surgery, and healthcare outsourcing services.
- Provides clinical research services.
How Does TTALF Make Money?
- Generates revenue through fees for medical consultations and treatments.
- Earns income from diagnostic and laboratory services.
- Receives payments from insurance companies and public sector entities for healthcare services.
- Derives revenue from outsourcing and staffing services provided to healthcare organizations.
What Industry Does TTALF Operate In?
Terveystalo Oyj operates within the Finnish healthcare industry, which is characterized by a mix of public and private healthcare providers. The market is experiencing increasing demand for private healthcare services due to factors such as aging population, longer waiting times in the public sector, and growing awareness of preventive care. The competitive landscape includes other healthcare providers such as DRWKF, EBOSY, IUSDF, MEDGF, and NPNKF. Terveystalo's comprehensive service offerings and extensive network position it as a major player in this evolving market.
Who Are TTALF's Key Customers?
- Private individuals seeking medical care.
- Companies and communities requiring occupational healthcare services.
- Insurance companies covering healthcare costs for their members.
- Public sector customers, including municipalities and government agencies.
ROE 14%Key Financial Metrics
Return on equity for Terveystalo Oyj stands at 13.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 5.3%, showing how much profit it generates from its asset base. TTALF trades at a trailing price-to-earnings ratio of 12.77, below the Healthcare sector average of ~23x. Its free cash flow yield is 13.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.54 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
Terveystalo Oyj (TTALF) Valuation Context
Valued at $1.39B, TTALF is classified as a small-cap stock. Relative to its peer group, TTALF's quantitative score of 42/100 is roughly in line with the peer average of 51/100.
Company Profile
Terveystalo Oyj operates in the Medical - Care Facilities industry within the Healthcare sector. It is headquartered in Helsinki, FI. The company is led by CEO Ville Iho. TTALF has traded publicly since 2018.
F-Score 5/9Financial Health
Terveystalo Oyj's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.63 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Terveystalo Oyj revenue of about $1.23B for fiscal 2026, with EPS near $0.73. The estimate reflects 3 contributing analysts.
TTALF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Terveystalo's recent strategic partnerships signal potential expansion and revenue diversification, suggesting confidence in their long-term growth prospects. Think of it like Amazon's early partnerships that broadened their reach.
- Positive community sentiment indicates strong brand loyalty and customer satisfaction, potentially leading to sustained demand for their services. Similar to how positive reviews fueled Lululemon's growth.
- Insider buying activity suggests that those with the most knowledge of the company believe it is undervalued, signaling potential upside. Reminds me of when insiders loaded up on Apple before a major product launch.
- The company's focus on preventative healthcare aligns with growing societal trends, potentially positioning them as a leader in a high-growth market. This is like the early days of the organic food movement.
Bear Case
- Increased competition in the healthcare sector could erode Terveystalo's market share and pricing power. Similar to how streaming services are battling for subscribers.
- Negative community sentiment regarding service quality or accessibility could lead to customer attrition and reputational damage. Think of the impact negative press had on Boeing after the 737 MAX issues.
- Recent regulatory changes in the healthcare industry could create uncertainty and increase compliance costs for Terveystalo. Like the impact of GDPR on tech companies.
- Broader economic downturn could reduce consumer spending on non-essential healthcare services, impacting Terveystalo's revenue. Similar to how luxury goods sales declined during the 2008 financial crisis.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
TTALF Latest News
No recent news available for TTALF.
TTALF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TTALF.
Price Targets
Wall Street price target analysis for TTALF.
TTALF MoonshotScore
What does this score mean?
The MoonshotScore rates TTALF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Ville Iho
CEO
Ville Iho serves as the CEO of Terveystalo Oyj, leading a workforce of 8352 employees. His background includes extensive experience in the healthcare industry, with a focus on strategic management and business development. He has held various leadership positions in healthcare organizations, demonstrating his expertise in navigating the complexities of the sector. His educational background includes advanced degrees in business administration and healthcare management, providing him with a strong foundation for leading Terveystalo.
Track Record: Under Ville Iho's leadership, Terveystalo Oyj has focused on expanding its digital healthcare offerings and strengthening its position in the Finnish healthcare market. Key achievements include the successful integration of acquired businesses and the implementation of innovative healthcare solutions. He has also overseen the company's efforts to enhance its customer service and improve patient outcomes. His strategic decisions have contributed to Terveystalo's growth and profitability.
TTALF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Terveystalo Oyj may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, and trading activity can be sporadic. Unlike companies listed on major exchanges like the NYSE or NASDAQ, OTC Other companies are not subject to the same rigorous listing standards and regulatory oversight, potentially increasing investment risk.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited liquidity compared to major exchanges.
- Less stringent regulatory oversight and disclosure requirements.
- Potential for price volatility due to lower trading volumes.
- Information scarcity, making due diligence more challenging.
- Higher risk of fraud or manipulation compared to listed stocks.
- Verify the company's financial statements and audit reports.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Understand the regulatory environment in which the company operates.
- Evaluate the company's OTC tier and disclosure status.
- Monitor trading volume and bid-ask spreads.
- Consult with a financial advisor before investing.
- Established presence in the Finnish healthcare market.
- Comprehensive range of healthcare services.
- Partnerships with reputable insurance companies and public sector entities.
- Focus on digital healthcare solutions and innovation.
What Investors Ask About Terveystalo Oyj (TTALF) — Healthcare
What does Terveystalo Oyj do?
Terveystalo Oyj is a leading healthcare service provider in Finland, offering a comprehensive range of medical, diagnostic, and well-being services. The company operates a network of clinics, hospitals, and dental clinics, serving private individuals, companies, insurance companies, and the public sector. Terveystalo's services include general practice, specialist medical care, outpatient surgery, dental care, occupational healthcare, and digital healthcare solutions. The company's business model focuses on providing accessible and integrated healthcare services to meet the diverse needs of its customers.
What are the main risks for TTALF?
Terveystalo Oyj faces several risks, including regulatory changes in the Finnish healthcare system, increased competition from other healthcare providers, and potential economic downturns affecting healthcare spending. Cybersecurity risks and data breaches also pose a threat to the company's operations and reputation. Additionally, the company's dependence on key personnel could create vulnerabilities if these individuals were to leave the organization. Investors should carefully consider these risks before investing in TTALF.
What are the key factors to evaluate for TTALF?
Terveystalo Oyj (TTALF) holds an AI score of 42/100 (low). Not financial advice.
How frequently does TTALF data refresh on this page?
TTALF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TTALF's recent stock price performance?
Terveystalo Oyj (TTALF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Comprehensive range of healthcare services. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TTALF overvalued or undervalued right now?
Valuing Terveystalo Oyj (TTALF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying TTALF?
Before investing in Terveystalo Oyj (TTALF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding TTALF to a portfolio?
Key strength of Terveystalo Oyj (TTALF): Comprehensive range of healthcare services. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for TTALF, limiting the depth of some sections.
- OTC market data may have limited availability and reliability.