Terveystalo Oy Ord (TTALF) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.649 Good morning, everybody, and welcome to Terveys Talos Q3 results call and webcast. 00:00:05.649 -- 00:00:09.982 My name is Kati Kaksonen. I'm responsible for investor relations and sustainability here 00:00:09.982 -- 00:00:15.773 at Terveys Talos. As usual, we'll go through the result highlights 00:00:15.773 -- 00:00:19.658 with our CEO, Ville Iho, and our CFO, Juuso Pajunen. 00:00:19.658 -- 00:00:23.564 And after the presentation, you will have a chance to ask questions. 00:00:23.564 -- 00:00:28.150 I will take the questions from the phone lines as well as through the webcast after the 00:00:28.150 -- 00:00:29.592 presentation. 00:00:29.592 -- 00:00:32.075 Without further ado, over to you, Ville. 00:00:32.075 -- 00:00:33.818 Thank you, Kati. 00:00:33.818 -- 00:00:39.525 And good morning from my behalf. Let's dive directly into Q3 00:00:39.525 -- 00:00:41.525 highlights. 00:00:42.083 -- 00:00:47.249 As you can see from the numbers, this quarter three was a quarter of 00:00:47.249 -- 00:00:52.414 margin improvement amid revenue headwind. So 00:00:52.414 -- 00:00:57.720 the adjusted EBIT margin developed positively. 00:00:57.720 -- 00:01:01.044 Very strong operating cash flow. 00:01:01.044 -- 00:01:05.549 EPS developing positively as expected. 00:01:05.549 -- 00:01:07.990 Very high NPS 00:01:08.532 -- 00:01:13.680 taking all-time highs all the time. but then with the decline of 00:01:13.680 -- 00:01:18.765 some 5% top line, adjusted EBIT in absolute 00:01:18.765 -- 00:01:22.167 terms slightly down. 00:01:22.229 -- 00:01:27.234 Double-clicking into different P&Ls and their role in the business, how 00:01:27.234 -- 00:01:32.319 they are contributing and continue contributing in the future, starting from 00:01:32.319 -- 00:01:37.684 Swe...