Terveystalo Oyj
Terveystalo Oyj Fundamental Analysis
Terveystalo Oyj (TTALF) shows moderate financial fundamentals with a PE ratio of 12.67, profit margin of 6.16%, and ROE of 13.83%. The company generates $1.2B in annual revenue with weak year-over-year growth of -4.56%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 26.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TTALF's fundamental strength across five key dimensions:
Efficiency Score
WeakTTALF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTTALF trades at attractive valuation levels.
Growth Score
ModerateTTALF shows steady but slowing expansion.
Financial Health Score
WeakTTALF carries high financial risk with limited liquidity.
Profitability Score
WeakTTALF struggles to sustain strong margins.
Key Financial Metrics
Is TTALF Expensive or Cheap?
P/E Ratio
TTALF trades at 12.67 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TTALF's PEG of -3.16 indicates potential undervaluation.
Price to Book
The market values Terveystalo Oyj at 1.86 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.01 times EBITDA. This is generally considered low.
How Well Does TTALF Make Money?
Net Profit Margin
For every $100 in sales, Terveystalo Oyj keeps $6.16 as profit after all expenses.
Operating Margin
Core operations generate 9.33 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.83 in profit for every $100 of shareholder equity.
ROA
Terveystalo Oyj generates $5.27 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Terveystalo Oyj produces operating cash flow of $166.79M, showing steady but balanced cash generation.
Free Cash Flow
Terveystalo Oyj generates strong free cash flow of $132.12M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.04 in free cash annually.
FCF Yield
TTALF converts 13.61% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.67
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-3.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.86
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.78
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.17
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.54
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How TTALF Stacks Against Its Sector Peers
| Metric | TTALF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.67 | 29.43 | Better (Cheaper) |
| ROE | 13.83% | 684.00% | Weak |
| Net Margin | 6.16% | -45067.00% (disorted) | Weak |
| Debt/Equity | 1.17 | 0.43 | Weak (High Leverage) |
| Current Ratio | 0.54 | 4.07 | Weak Liquidity |
| ROA | 5.27% | -17158.00% (disorted) | Weak |
TTALF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Terveystalo Oyj's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
30.33%
Industry Style: Defensive, Growth, Innovation
High GrowthEPS CAGR
103.24%
Industry Style: Defensive, Growth, Innovation
High GrowthFCF CAGR
30.95%
Industry Style: Defensive, Growth, Innovation
High Growth