Q3 2025 Terveystalo Oyj Earnings Call Transcript
Key Points
- Terveystalo PLC (FRA:4TS) reported a positive margin development despite revenue headwinds, marking the second-best Q3 in the company's history.
- The company has seen strong operating cash flow and EPS development, with a very high Net Promoter Score (NPS).
- Sweden's turnaround program is showing results, with improved efficiency and profitability, setting a solid base for future growth.
- The consumer-driven business, particularly in dental services, is showing positive signs and is expected to continue growing.
- Terveystalo PLC (FRA:4TS) is heavily investing in digital capabilities, including AI-supported health services, which are expected to drive efficiency and growth.
- The company faced a decline in top-line revenue by approximately 5%, attributed to challenges in the occupational healthcare segment.
- Occupational healthcare volumes have been negatively impacted by a decrease in connected employees and thinner scopes in corporate agreements.
- The Swedish market remains weak, with the economy affecting demand for occupational healthcare services.
- Public sector business outsourcing is experiencing slow buying activities, impacting overall volume growth.
- The company acknowledges that the occupational healthcare segment requires significant focus and improvement to reverse the negative trend.
Good morning, everybody and welcome to Terveystalo Q3 results call and webcast. My name is Kati Kaksonen, I'm responsible for investor relations and sustainability here at Terveystalo.
As usual, we'll go through the result highlights with our CEO Ville Iho and our CFO Kristian Pullola, and after the presentation, you will have a chance to ask questions. I will take the questions from the phone lines as well as through the webcast after the presentation. Without further Ville Iho, over to you.
And good morning, from my behalf. Let's dive directly into Q3 highlights.
As you can see from the numbers this quarter, three was a quarter of margin improvement amid revenue headwinds. So, the EBIT adjusted EBIT margin, developed positively, very strong operating cash flow, EPS developing positively as expected, very high NPS.
Ticking all-time highs all the
| Access to All Earning Calls and Stock Analysis | |
| 30-Year Financial on one screen | |
| All-in-one Stock Screener with unlimited filters | |
| Customizable Stock Dashboard | |
| Real Time Insider Trading Transactions | |
| 8,000+ Institutional investors’ 13F holdings | |
| Powerful Excel Add-in and Google sheets Add-on | |
| All data downloadable | |
| Quick customer support | |
| And much more... |
Trustpilot
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
