contentSlug

type

ContentSlug_ContentQuery

slug

ContentPageContentQuery

content

trendingContent

query ContentSlug_ContentQuery(
  $contentSlug: String!
  $type: [ContentType!]
) {
  ...ContentPageContentQuery_13QmVO
}

fragment CompanyDetails_Content on Content {
  __isContent: __typename
  companies {
    name
    description
    pageUrl
    id
  }
}

fragment ContentBasicInfo on Content {
  __isContent: __typename
  id
  type
  title
  lang
  companies {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  tags {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  ...PublishingDetails
  ...Reactions
}

fragment ContentMetadata on Content {
  __isContent: __typename
  type
  title
  lang
  pageUrl
  alternatePageUrls: translations {
    __typename
    pageUrl
    lang
  }
  imgUrl
  description
  ... on Video {
    liveTime
    videoUrl
  }
  ... on Webcast {
    liveTime
    videoUrl
  }
}

fragment ContentPageContentQuery_13QmVO on Query {
  content(slug: $contentSlug, type: $type) {
    __typename
    id
    type
    title
    isPremium
    lang
    htmlBody
    summary
    companies {
      forum {
        latestPosts {
          ...ForumPosts
        }
      }
      name
      id
      viewerIsFollowing
      pageUrl
      defaultInstrument {
        isin
        id
        marketOpen
        marketClose
        marketplace {
          region
        }
        returns {
          total
        }
      }
    }
    tags {
      viewerIsFollowing
      id
      name
      pageUrl
    }
    createdAt
    ... on Video {
      liveTime
    }
    ... on Webcast {
      liveTime
    }
    slug
    ... on CompanyReport {
      reportUrl
    }
    ... on ThirdPartyCompanyReport {
      reportUrl
    }
    ... on StockExchangeRelease {
      reportUrl
    }
    ...ContentBasicInfo
    ...ContentMetadata
    ...PriceAndRecommendation_Content
    ...CompanyDetails_Content
    ...ReportLink_Content
    ...KeyFigures_Content
  }
  ...TrendingContent_1jQ2Cn
}

fragment ForumPosts on ForumPost {
  text
  likesCount
  url
  author
  postedAt
  authorImgUrl
}

fragment KeyFigures_Content on Content {
  __isContent: __typename
  companies {
    defaultInstrument {
      estimateData {
        modelType
        reportingCurrency
      }
      snapshot {
        transaction {
          date
          actualized {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
          estimates {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
        }
      }
      id
    }
    id
  }
}

fragment PriceAndRecommendation_Content on Content {
  __isContent: __typename
  createdAt
  companies {
    name
    pageUrl
    defaultInstrument {
      priceData {
        tradeCurrency
      }
      snapshot {
        priceData {
          date
          lastPrice
          tradeCurrency
        }
        transaction {
          date
          recommendation
          targetPrice
        }
        prevTransaction {
          recommendation
        }
      }
      id
    }
    id
  }
}

fragment PublishingDetails on Content {
  __isContent: __typename
  createdAt
  publishers {
    name
    imgUrl
  }
  authors {
    __typename
    id
    name
    slug
    imgUrl
    jobTitle
  }
  ... on Video {
    liveTime
  }
  ... on Webcast {
    liveTime
  }
}

fragment Reactions on Content {
  __isContent: __typename
  id
  reactionGroups {
    reactionType
    reactionsCount
    viewerReacted
  }
}

fragment ReportLink_Content on Content {
  __isContent: __typename
  type
  isPremium
  ... on CompanyReport {
    reportUrl
  }
  ... on ThirdPartyCompanyReport {
    reportUrl
  }
  ... on StockExchangeRelease {
    reportUrl
  }
}

fragment TrendingContent_1jQ2Cn on Query {
  trendingContent(type: ARTICLE) {
    __typename
    id
    title
    lang
    pageUrl
    createdAt
    type
    imgUrl
    companies {
      squareLogoUrl
      name
      id
    }
    authors {
      __typename
      imgUrl
      id
    }
    publishers {
      imgUrl
    }
  }
}


terveystalo-oyj-terveystalos-annual-report-2025-published

__typename

title

isPremium

lang

htmlBody

summary

companies

createdAt

publishers

authors

reactionGroups

pageUrl

translations

imgUrl

description

Terveystalo operates in the healthcare sector. The company offers services and solutions such as surveys and examinations, training and coaching, rehabilitation, and health and fitness mapping. Its customers include small and medium-sized corporate customers, as well as public sector players. The head office is located in Helsinki.

It certainly pays to take care of skilled and top-tier employees. Occupational health is an attraction and retention factor that employers either understand or they don’t. The comprehensive scope of health services is Terveystalo’s competitive advantage. Reducing bureaucracy and utilizing digital and AI applications, on the other hand, brings much-needed efficiency and cost competitiveness. Between Terveystalo and the client, matters are handled as agreed. Hopefully, Terveystalo continues to serve its clients credibly in this regard, in a way that keeps experts in productive work with the highest possible utilization rate. In that case, occupational health services become a value-adding factor of production.

This is not a Terveystalo-specific problem; it affects all private healthcare providers within the occupational healthcare framework. Ultimately, ambiguity/uncertainty regarding the payer reduces the service’s primary selling points (ease of use/cost-free nature for the user) regardless. It doesn’t matter whether the root cause of the confusion is the employer’s insurance policy, the occupational health clinic’s practices, or the complexity of the insurance terms. In practice, I would argue it is all three combined. An election victory for the Social Democrats / a leftist government will very likely lead to occupational healthcare being undermined in some way. And as we have seen, Terveystalo’s growth is already sputtering even without any such interference. Edit: Maybe if you wanted to turn this into a “positive problem” and a growth driver, Terveystalo should develop some kind of "Claudebot"™ that would make insurance decisions on the fly in real-time. But that would require an insurance company partner to be on board, so I’m not holding my breath for when that happens.

OP raises its recommendation to “buy”.                   Nordnet              Nordnet    Tee säästämisestä osakkeisiin & rahastoihin hauskempaa. Sijoittaminen osakkeisiin, rahastoihin ja ETF:iin ilman tarpeettomia kuluja. Tervetuloa Suomen tyytyväisimpien sijoittajien joukkoon! Avaa tili jo tänään!

What I meant was that they call the employees of their occupational healthcare clients and sell them consumer services, such as dental care.  This shouldn’t affect the company’s costs in any way; they’re essentially just using employee data as leads (which I assume is allowed unless the employee has opted out). In my opinion, what is available to whom through occupational healthcare and how those services are “sold” is a separate discussion.

I disagree. Terveystalo also markets everything under the sun directly to the employees of their occupational health clients. Some employees then take the offers and some don’t. These days, you really can’t verify anything from a Terveystalo invoice anymore regarding patient safety etc.—who visited, if they even did. Overbilling by Terveystalo’s doctors has also been discussed in the media, which increases distrust. Terveystalo bills the occupational health client for, among other things, operational planning, which in practice means, for example, the occupational health nurse’s own scheduling of when to do this or that for each client. I ended up moving my company’s occupational health services away from Terveystalo for the reasons mentioned above, among others. Additionally, Terveystalo’s list prices are more expensive than, for example, Mehiläinen. In a termination situation, discounts on fees would have suddenly become available, but that was the final straw. Dealing with Terveystalo has become similar to working with a lawyer: an open tab for billing, but with the difference that you can’t verify the invoices in any way. I don’t think I’m alone in my sentiment, and I believe more and more of Terveystalo’s occupational health clients will switch to other service providers. Terveystalo reeks too much of a greedy listed company from the perspective of a (former) customer.

I think this is more an issue with the contract and insurance taken out by the company in question than it is with Terveystalo. It’s crystal clear that a company can pay for insurance and a contract where everything is covered for the employee, and then it is a very easy service for the user. It is a mistake for a Terveystalo customer service representative to say, “yes, it’s covered by insurance.” There is a sort of limbo here where no one really takes full responsibility for who should be guiding the user. (Is it IF, the service provider, or the company that has shaped the contract between IF ↔ the service provider?) I recently read through a similar contract for a company regarding what is covered, and it is incomprehensibly unclear. However, I would see it as the responsibility of the company’s HR to be able to instruct the employee correctly or to find designated/paid contact persons at Terveystalo who do this on behalf of the company. This is certainly not just a Terveystalo-centric problem. I would be more interested in how an SDP (Social Democratic Party) election victory would, as a so-called threat scenario, affect the operations of private healthcare firms.

That is exactly hiding behind the fine print. But yeah, If probably acted correctly. Let’s think about it from Terveystalo’s perspective. Or more generally, from the perspective of private clinics. What is the number one trump card? In my opinion, it’s the ease of the service combined with the fact that the employee doesn’t have to pay for it themselves. Now, let’s add to the equation that the customer needs to be a lawyer to understand whether they are allowed to use the service or not, and you might end up having to pay even after the fact—meaning they can’t give you that information at the desk or when booking. You can’t trust the word/instructions of Terveystalo’s staff in this scenario. → in my opinion, the “ease” of the service takes quite a hit.

Terveystalo

Terveystalo Plc, Stock Exchange Release, 27 February 2026 at 09:00 am EETTerveystalo Plc's Report of the Board of Directors and Financial Statements 2025 were published today. The Report of ...

<div class="abstract"></div>Terveystalo Plc, Stock Exchange Release, 27 February 2026 at 09:00 am EETTerveystalo Plc's Report of the Board of Directors and Financial Statements 2025 were published today. The Report of the Board of Directors includes the Sustainability statement, which has been prepared based on the Corporate Sustainability Reporting Directive (CSRD) and in accordance with the sustainability reporting standards (ESRS). Authorised Sustainability Audit Firm KPMG Oy Ab has verified the sustainability statement in accordance with the ISA 3000 assurance standard as a limited assurance engagement.Terveystalo publishes Terveystalo Plc's Report of the Board of Directors and Financial Statements also in accordance with the European Single Electronic Format (ESEF) reporting requirements in xHTML format. KPMG Oy Ab has provided an independent auditor's reasonable assurance report on Terveystalo's ESEF financial statements. Today, Terveystalo also published a Corporate Governance Statement and a Remuneration Report for 2025.The Annual Report 2025, which includes the publications listed above, is available as a PDF file and the ESEF Financial Statements in the zip file attached to this release. The Annual Report is also available on Terveystalo's website: <a href="https://www.terveystalo.com/en/company/investors/reports-and-presentations/">https://www.terveystalo.com/en/company/investors/reports-and-presentations/</a> Terveystalo PlcFor further information, please contact: <a href="mailto:investors@terveystalo.com">investors@terveystalo.com</a>Distribution: Nasdaq Helsinki Oy Main media <a href="http://file:///C:/Users/k050069/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/8GNUTACQ/www.terveystalo.com">www.terveystalo.com</a><div></div>