# Terveystalo Oyj > Clarifo company profile — qualitative business description generated from > the company's filings. Financial statements, charts and ratios are > available on Clarifo (https://www.clarifo.com/en/companies/terveystalo). ## Overview Terveystalo is a Finnish healthcare service provider that operates through three main segments: Healthcare Services, Portfolio Businesses, and operations in Sweden. It offers a comprehensive range of healthcare services including preventive occupational health, primary healthcare, specialized medical care, diagnostics, and day surgery. The company aims to deliver the most effective care pathways and achieve strong profitability in its sector. Terveystalo is listed on the Nasdaq Helsinki and has a strategic focus on sustainable growth and operational efficiency. ## Products & services • Preventive occupational health services • Primary healthcare services • Specialized medical care • Diagnostics and day surgery • Public sector outsourcing • Staffing services • Digital services for the public sector - **Healthcare Services** (80%) — Includes preventive occupational health, primary healthcare, specialized medical care, diagnostics, and day surgery. - **Portfolio Businesses** (15%) — Comprises public sector outsourcing, staffing services, dental care, and digital services. - **Sweden Operations** (5%) — Focuses on occupational health and management consulting services in Sweden. - Preventive occupational health services - Primary healthcare services - Specialized medical care - Diagnostics and day surgery - Public sector outsourcing - Staffing services - Digital services for the public sector ## Customers Terveystalo serves a diverse range of customers including occupational health clients, private individuals, insurance companies, and public sector entities. The company's integrated care pathways are designed to meet the needs of both corporate clients seeking comprehensive occupational health solutions and private individuals requiring specialized medical care. Insurance companies partner with Terveystalo to provide healthcare services to their policyholders. The company also engages in public sector outsourcing, offering services such as digital healthcare solutions and staffing. - **Occupational Health Clients** (primary) — Purchase comprehensive health services for employee well-being and productivity. - **Private Individuals** (primary) — Seek specialized medical care and diagnostics. - **Insurance Companies** (secondary) — Partner for providing healthcare services to policyholders. - **Public Sector** (secondary) — Outsource healthcare services including digital solutions. - Occupational health clients seeking comprehensive health services - Private individuals requiring specialized medical care - Insurance companies partnering for policyholder services - Public sector entities outsourcing healthcare services - Corporate clients looking for preventive health solutions ## Geography Terveystalo's primary operations are based in Finland, where it offers a wide range of healthcare services. The company also has a presence in Sweden through its subsidiary Feelgood, focusing on occupational health and management consulting. Terveystalo aims to expand its market share in Sweden while maintaining strong growth in Finland. The company's geographic focus allows it to leverage local expertise and regulatory knowledge to enhance service delivery. - Primary operations in Finland offering comprehensive healthcare services - Presence in Sweden through Feelgood subsidiary - Focus on expanding market share in Sweden - Leverages local expertise and regulatory knowledge ## Strategy Terveystalo's strategic priorities include achieving sustainable growth and enhancing operational efficiency. The company aims to increase its market share in both Finland and Sweden by offering integrated care pathways and leveraging digital solutions. Terveystalo is focused on strengthening profitability across all segments, with particular emphasis on the Healthcare Services segment. The company also aims to maintain a moderate leverage ratio and provide attractive dividends to shareholders. - **Sustainable Growth** (medium-term) — To increase market share and profitability. - **Operational Efficiency** (short-term) — To improve profitability and service quality. - **Digital Solutions** (long-term) — To enhance service delivery and customer experience. - Achieving sustainable growth in Finland and Sweden - Enhancing operational efficiency across segments - Increasing market share through integrated care pathways - Leveraging digital solutions for service delivery - Maintaining moderate leverage and attractive dividends ## Risks Terveystalo faces several risks including the availability of skilled healthcare professionals, economic conditions in Finland, and reliance on IT systems. The company must attract and retain qualified professionals to maintain service quality. Economic downturns could reduce demand for healthcare services. Additionally, disruptions in IT systems could impact operations. Industry-specific risks include regulatory changes and competitive pressures in the healthcare sector. - **Availability of skilled professionals** [high] — Essential for maintaining service quality. - **Economic downturns** [medium] — Could reduce demand for healthcare services. - **IT system disruptions** [high] — Could impact operational efficiency. - Availability of skilled healthcare professionals - Economic conditions affecting demand for services - Reliance on IT systems and potential disruptions - Regulatory changes impacting healthcare operations - Competitive pressures in the healthcare sector ## Accounting Terveystalo's financial reporting includes critical accounting matters such as revenue recognition and the use of alternative performance measures. The company recognizes revenue from healthcare services when services are rendered. It also uses adjusted EBIT as a key performance indicator, which excludes certain non-recurring items. Investors should consider these adjustments when analyzing financial statements. The company's accounting policies are aligned with IFRS standards, providing transparency and comparability. - **Revenue Recognition** — high - **Adjusted EBIT** — medium - Revenue recognized when healthcare services are rendered - Use of adjusted EBIT as a key performance indicator - Excludes non-recurring items for clearer financial analysis - Aligned with IFRS standards for transparency --- *Last updated: 2026-08-11T04:04:56.631880+00:00*