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Terveystalo Oyj TTALF

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7.19 USD 0.00 (+0.00%)

At closeNov 3, 2026, 4:00 PM EST

7.19 Day range 7.19
7.19 52-week range 12.95
YTD
-44.48%
1 year
-44.48%

Financial health

Altman Z-Score

1.41 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 15.1×
FY 2016: 106×FY 2017: 171×FY 2018: 14.5×FY 2019: 22.4×FY 2020: 24.0×FY 2021: 18.6×FY 2022: 63.7×FY 2023: -35.5×FY 2024: 21.9×FY 2025: 15.1×
FY 2016 5y median 18.6× FY 2025
P/S 1.1×
FY 2016: 2.5×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/B 2.4×
FY 2016: 5.9×FY 2017: 2.6×FY 2018: 1.9×FY 2019: 2.2×FY 2020: 1.9×FY 2021: 2.4×FY 2022: 2.6×FY 2023: 2.9×FY 2024: 2.9×FY 2025: 2.4×
FY 2016 5y median 2.6× FY 2025
P/FCF 8.9×
FY 2016: 21.0×FY 2017: 22.3×FY 2018: 12.3×FY 2019: 8.5×FY 2020: 9.9×FY 2021: 9.8×FY 2022: 18.7×FY 2023: 12.7×FY 2024: 8.6×FY 2025: 8.9×
FY 2016 5y median 9.8× FY 2025
EV/EBITDA 8.1×
FY 2016: 24.8×FY 2017: 25.0×FY 2018: 12.1×FY 2019: 10.3×FY 2020: 10.1×FY 2021: 9.9×FY 2022: 11.9×FY 2023: 23.0×FY 2024: 9.6×FY 2025: 8.1×
FY 2016 5y median 9.9× FY 2025
EV/Sales 1.5×
FY 2016: 3.1×FY 2017: 2.1×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 1.6×FY 2021: 1.7×FY 2022: 1.7×FY 2023: 1.6×FY 2024: 1.6×FY 2025: 1.5×
FY 2016 5y median 1.6× FY 2025
FCF Yield 11.2%
FY 2016: 4.8%FY 2017: 4.5%FY 2018: 8.1%FY 2019: 11.7%FY 2020: 10.1%FY 2021: 10.2%FY 2022: 5.3%FY 2023: 7.9%FY 2024: 11.6%FY 2025: 11.2%
FY 2016 5y median 10.2% FY 2025

Profitability

Gross Margin 21.1%
FY 2016: 52.6%FY 2017: 53.0%FY 2018: 52.8%FY 2019: 54.1%FY 2020: 54.6%FY 2021: 57.7%FY 2022: 58.2%FY 2023: 23.6%FY 2024: 59.0%FY 2025: 21.1%
FY 2016 5y median 57.7% FY 2025
Operating Margin 10.8%
FY 2016: 5.4%FY 2017: 4.1%FY 2018: 10.1%FY 2019: 7.9%FY 2020: 6.8%FY 2021: 9.5%FY 2022: 2.7%FY 2023: -1.1%FY 2024: 8.7%FY 2025: 10.8%
FY 2016 5y median 8.7% FY 2025
Net Margin 7.2%
FY 2016: 2.3%FY 2017: 1.0%FY 2018: 9.2%FY 2019: 5.2%FY 2020: 4.6%FY 2021: 7.0%FY 2022: 1.9%FY 2023: -3.3%FY 2024: 5.4%FY 2025: 7.2%
FY 2016 5y median 5.4% FY 2025
ROE 15.9%
FY 2016: 5.4%FY 2017: 1.6%FY 2018: 13.4%FY 2019: 10.0%FY 2020: 8.0%FY 2021: 13.2%FY 2022: 4.1%FY 2023: -8.2%FY 2024: 13.1%FY 2025: 15.9%
FY 2016 5y median 13.1% FY 2025
ROIC 9.1%
FY 2016: 4.6%FY 2017: 3.6%FY 2018: 7.4%FY 2019: 5.6%FY 2020: 4.6%FY 2021: 7.2%FY 2022: 2.1%FY 2023: -1.2%FY 2024: 8.0%FY 2025: 9.1%
FY 2016 5y median 7.2% FY 2025
ROA 6.4%
FY 2016: 1.7%FY 2017: 0.8%FY 2018: 5.9%FY 2019: 4.0%FY 2020: 3.4%FY 2021: 5.6%FY 2022: 1.6%FY 2023: -3.0%FY 2024: 5.1%FY 2025: 6.4%
FY 2016 5y median 5.1% FY 2025

Growth (YoY)

Revenue -4.6%
FY 2016: 8.2%FY 2017: 26.1%FY 2018: 8.0%FY 2019: 38.4%FY 2020: -4.3%FY 2021: 17.1%FY 2022: 9.1%FY 2023: 2.2%FY 2024: 4.2%FY 2025: -4.6%
FY 2016 FY 2025
Operating Income 18.5%
FY 2016: 53.2%FY 2017: -4.7%FY 2018: 167.4%FY 2019: 8.0%FY 2020: -17.4%FY 2021: 63.8%FY 2022: -69.2%FY 2023: -143.4%FY 2024: 889.8%FY 2025: 18.5%
FY 2016 FY 2025
EPS (diluted) 28.1%
FY 2016: 1000.0%FY 2017: -45.5%FY 2018: 800.0%FY 2019: -22.2%FY 2020: -14.3%FY 2021: 75.0%FY 2022: -69.8%FY 2023: -273.7%FY 2024: 272.7%FY 2025: 28.1%
FY 2016 FY 2025
Free Cash Flow -15.1%
FY 2016: 7.9%FY 2017: -17.3%FY 2018: 51.0%FY 2019: 73.3%FY 2020: -21.0%FY 2021: 37.5%FY 2022: -46.3%FY 2023: 43.2%FY 2024: 57.4%FY 2025: -15.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Quick Ratio 0.6×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Debt / Equity 1.0×
FY 2016: 1.5×FY 2017: 0.6×FY 2018: 0.9×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 2.2×
FY 2016: 4.6×FY 2017: 4.4×FY 2018: 3.5×FY 2019: 3.2×FY 2020: 3.1×FY 2021: 2.6×FY 2022: 3.2×FY 2023: 6.6×FY 2024: 2.3×FY 2025: 2.2×
FY 2016 5y median 2.6× FY 2025
Interest Coverage 6.3×
FY 2016: 1.6×FY 2017: 2.0×FY 2018: 9.8×FY 2019: 6.6×FY 2020: 6.7×FY 2021: 11.7×FY 2022: 3.5×FY 2023: -0.6×FY 2024: 4.2×FY 2025: 6.3×
FY 2016 5y median 4.2× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.8%FY 2019: 2.2%FY 2020: 1.5%FY 2021: 2.2%FY 2022: 2.3%FY 2023: 2.4%FY 2024: 2.4%FY 2025: 4.4%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 65.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 12.0%FY 2019: 49.1%FY 2020: 36.0%FY 2021: 41.1%FY 2022: 145.1%FY 2023: -83.9%FY 2024: 53.0%FY 2025: 65.7%
FY 2016 5y median 53.0% FY 2025

Annual · latest fiscal year ends 2025-12-31