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Terveystalo Plc Interim Report January– September 2026 Weak demand weighed on earnings, Hohde acquisition strengthened the oral health business

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July–September 2026 in brief • Revenue decreased by 6.2 per cent year-on-year to EUR 262.9 (280.4) million. o In Healthcare Services, segment revenue decreased by 5.8 per cent and was EUR 213.5 (226.6) million. o In Portfolio Businesses, revenue decreased by 9.0 per cent and was EUR 40.9 (45.0) million. The consolidation of Hohde Group as of 4 September 2026 increased revenue for the reporting period by EUR 5.5 million. o In Sweden, revenue decreased by 2.0 per cent and amounted to EUR 13.2 (13.5) million. The number of working days was unchanged year-on-year. • Adjusted1) operating profit (EBIT) decreased by 33.6 per cent and amounted to EUR 17.8 (26.8) million, representing 6.8 (9.5) per cent of revenue. Adjusted EBIT decreased year-on-year across all business areas. Adjusted EBIT was particularly affected by lower occupational healthcare volumes and weaker sales mix in Healthcare Services as well as expired outsourcing contracts in Portfolio Businesses. Strong operational efficiency was not sufficient to of fset the negative earnings impact of lower revenue. • Items affecting comparability1) with an adverse effect on EBIT were EUR 4.0 (1.4) million. • Operating profit (EBIT) decreased by 45.9 per cent and amounted to EUR 13.7 (25.4) million. • The result for the period was EUR 5.5 (16.2) million. • Earnings per share (EPS) decreased by 66.2 per cent and amounted to EUR 0.04 (0.13). • Adjusted earnings per share (EPS) were EUR 0.08 (0.14). • Cash flow from operating activities was EUR 27.3 (54.5) million. • Terveystalo completed the acquisition of Hohde Group, which supports the company’s strategy to develop oral health as one of its selected growth areas, significantly increases the scale of the oral health business, and strengthens its nationwide network of clinics and laboratory services. Hohde Group has been consolidated into Terveystalo’s financial reporting as of 4 September 2026. January –September 2026 in brief • Revenue decreased by 8.9 per cent year-on-year to EUR 864.4 (948.9) million. o In Healthcare Services, revenue decreased by 7.5 per cent to EUR 707.0 (764.6) million. o In Portfolio Businesses, revenue decreased by 17.9 per cent to EUR 118.8 (144.6) million. o In Sweden, revenue decreased by 2.2 per cent to EUR 53.3 (54.5) million. The number of working days was unchanged year-on-year. • Adjusted1) operating profit (EBIT) decreased by 30.3 per cent year-on-year to EUR 77.6 (111.3) million, representing 9.0 (11.7) per cent of revenue. Adjusted EBIT was adversely affected by the decline in revenue in Healthcare Services and Portfolio Businesses, while operating efficiency, cost structure adjustments as well as cost savings achieved through the profit improvement programme in Sweden mitigated the negative impact. • Items affecting comparability1) with a negative effect on EBIT were EUR 14.0 (6.1) million. • Operating profit (EBIT) decreased by 39.6 per cent and amounted to EUR 63.5 (105.2) million. • The result for the period was EUR 36.4 (71.8) million. • Earnings per share (EPS) decreased by 49.3 per cent and amounted to EUR 0.29 (0.57). • Adjusted earnings per share (EPS) were EUR 0.40 (0.61). • Net debt/EBITDA was 3.3 (2.1). • Net debt/adjusted EBITDA was 2.9 (2.0). • Cash flow from operating activities was EUR 63.1 (122.4) million. • NPS (Net Promoter Score) for appointments was 86.5 (87.2). NPS for hospitals was 96.1 (96.9).

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The figures in parentheses refer to the corresponding period one year ago. 1) Adjustments are material items outside the ordinary course of business, associated with acquisition-related expenses, restructuring-related expenses, gains and losses on the sale of assets, impairment losses, strategic projects, and other items affecting comparability. Adjustments for the reporting period are described in more detail in the section “Profit improvement and development programmes and items affecting comparability.” President and CEO Ville Iho: Weak demand weighed on earnings, Hohde acquisition strengthened the oral health business The operating environment remained highly challenging during the third quarter of 2026. Demand for healthcare services was weaker than expected across all customer segments, and lower volumes weighed on profitability despite cost adjustment measures. We believe that the structural demand drivers of the healthcare sector remain positive, and we expect demand to strengthen in the longer term. At the same time, the technology transformation is changing the structure of demand. This development is also at the core of our ARC strategy. Rather than wait for the market to recover, we continue to invest systematically in technology, new service models and businesses with high growth potential in line with our strategy. As a concrete step, we completed the acquisition of Hohde Group in September. The transaction doubled the size of our oral health business. Outlook and guidance We have lowered our guidance for 2026 and now expect the full-year 2026 adjusted operating profit (EBIT) to be EUR 110–120 million (2025: EUR 156.3 million). The lowered guidance reflects weaker-than-expected demand development in July–September and profitability remaining clearly below the level of the comparison period. The demand environment is expected to remain challenging in the fourth quarter. Market and demand environment Demand for healthcare services in Finland remained below the comparison period during the third quarter. Demand continued to be affected by low morbidity and cost-saving measures implemented by corporate customers. The first positive signs seen in the second quarter did not yet translate into a broad-based recovery in demand. Demand for consumer services remained more stable than demand for occupational healthcare. Positive development was seen particularly among insurance customers, services supported by the freedom of choice pilot for people aged 65 and over, and oral health services. The market environment for publicly funded healthcare services remained very subdued. In Sweden, demand for corporate health services continued to be affected by customer caution and a weak labour market despite gradual improvement in the economy and labour market. In the healthcare professional market in Finland, the availability of healthcare professionals remained at a good level, and Terveystalo’s service capacity was strong. In research company Universum’s 2026 employer branding survey, Terveystalo was selected as the most ideal employer in the healthcare services sector among healthcare professionals. In addition, Terveystalo was again ranked as Finland's most respected private medical centre in Taloustutkimus' Brand Appreciation study. Financial development and profitability Weak demand and lower volumes reduced third-quarter revenue by approximately 6 per cent to EUR 263 million. The Group’s adjusted operating profit (EBIT) was approximately EUR 18 million, representing an adjusted EBIT margin of approximately 7 per cent. Cost adjustment and efficiency measures implemented during the year supported profitability but were not sufficient to offset the significant weakening of the demand environment.

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Business area performance In Healthcare Services, demand for occupational healthcare services remained weak. Performance was affected by a decline in the number of connected employees, lower-than-usual morbidity and a reduction in the scope of agreements with client companies. We expect the number of occupational healthcare end users to gradually return to growth during the first quarter of 2027. Revenue in the consumer business was slightly below the comparison period, despite growth in revenue from insurance customers. The freedom of choice pilot for people aged 65 and over increased the use of services during the reporting period. Since the launch of the pilot, approximately 103,000 visits have been carried out at Terveystalo. In Portfolio Businesses, revenue was affected by expired outsourcing contracts, pricing pressure in staffing services and the divestment of the child welfare business. Improved operating efficiency mitigated the negative earnings impact of lower revenue. Revenue from oral health services increased both organically and through the acquisition of Hohde Group completed in September. The transaction doubled the size of our oral health business and strengthened our nationwide network of clinics and laboratory services. This provides a strong platform for further business development and service offering expansion. In Sweden, the market environment remained challenging. Subdued demand for corporate health and preventive services weighed on revenue. Cost savings achieved through the profit improvement programme partly offset the negative earnings impact of lower revenue. Strategy execution and digital development During the third quarter, we continued the execution of our strategy, which was updated in June. The ARC strategy is centered on customer centricity, broad utilisation of technology and growth. We also aim to diversify our service offering and revenue base. A concrete example of this is the Silmäasema transaction announced in June. The Silmäasema transaction represents a significant step in the execution of our ARC strategy. When completed, it will strengthen our position in the growing eye health market, broaden our customer base and support our objective of making healthcare services even easier for the customer to find, purchase and use. In September, we completed the acquisition of Hohde Group. The transaction significantly strengthens our position in oral health and supports our specialty-specific growth ambitions while improving the overall health of our customers. During the third quarter, we launched the Wellby weight management programme as a pilot. Wellby represents a new digital service model at Terveystalo based on continuous service and monthly pricing. The model is well suited for care situations that require long-term support and close customer engagement. Key steps in digital development during the quarter included expanding the use of the Terveystalo Leo digital occupational healthcare platform to corporate customers, extending the use of the Ella patient information system to occupational health nurses, and further developing digital workflows in occupational healthcare. At the same time, we continued to enhance digital customer journeys: the use of asynchronous appointments increased among occupational health customers, and we are expanding these services to private customers as well. Artificial intelligence was integrated into clinical documentation workflows used by general practitioners and occupational health physicians. We have decided to postpone our previously planned Capital Markets Day from December 2026 to spring 2027. By then, we expect to have completed the strategically important Silmäasema transaction. The postponement will enable us to provide investors with a clearer view of strategy execution, the development of our growth platforms and the long-term value creation potential of the combined business. We will announce the exact date of the Capital Markets Day at a later stage. Ville Iho

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Guidance for 2026 Terveystalo expects its full-year 2026 adjusted operating profit (EBIT) to be EUR 110–120 million (2025: EUR 156.3 million). Guidance assumptions In January–September 2026, profitability was clearly below the level of the corresponding period in 2025, and the demand development was weak. The demand environment is expected to remain challenging in the fourth quarter. Revenue from outsourcing operations in the Portfolio Businesses segment is expected to decrease by approximately EUR 25 million due to expiring contracts. The guidance includes Hohde Group as of 4 September 2026. These estimates do not include the acquisition of Silmäasema or any other significant acquisitions or divestments. Guidance for 2026 provided on 17 July 2026 Terveystalo expects its full-year 2026 adjusted operating profit (EBIT) to be EUR 120–140 million (2025: EUR 156.3 million). Profitability in the first half of the year was clearly below the level of the corresponding period in 2025, and the demand environment was challenging. While the demand environment was still expected to gradually improve and the prevalence of upper respiratory infections was anticipated to return to long-term average levels during the second half of the year, the recovery in revenue and profitability was expected to lag the improvement in demand and therefore not fully materialise within the current year. Revenue from outsourcing operations in the Portfolio Businesses segment was expected to decrease by approximately EUR 20 million due to expiring contracts. These estimates did not include the Hohde transaction, the acquisition of Silmäasema or any other significant acquisitions or divestments. Medium-term financial targets Terveystalo’s medium term financial targets and dividend policy are as follows: Profitable growth: • Terveystalo targets Adjusted EPS growth of 10% p.a. on average Moderate leverage ratio: • Terveystalo Group's leverage target (Net Debt/Adj. EBITDA) is set at no more than 3x. • Indebtedness may temporarily surpass the target level, particularly in conjunction with large acquisitions. Distribution of funds: • Terveystalo aims annually to distribute at least 50% of net result, either as dividends or through share buy-backs, and to deliver growing, attractive shareholder returns in line with growing EPS. • The dividend proposal must consider the company's long-term potential and financial status.

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Key figures MEUR unless stated otherwise 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Revenue 262.9 280.4 -6.2 864.4 948.9 -8.9 1,278.9 Adjusted EBITA * 1) 23.6 32.4 -27.0 95.0 128.6 -26.2 179.3 Adjusted EBITA, % * 1) 9.0 11.5 - 11.0 13.6 - 14.0 EBITA 1) 19.6 31.0 -36.8 82.1 122.5 -33.0 164.6 EBITA, % 1) 7.5 11.1 - 9.5 12.9 - 12.9 Adjusted operating profit (EBIT) * 1) 17.8 26.8 -33.6 77.6 111.3 -30.3 156.3 Adjusted operating profit (EBIT), % * 1) 6.8 9.5 - 9.0 11.7 - 12.2 Operating profit (EBIT) 1) 13.7 25.4 -45.9 63.5 105.2 -39.6 137.5 Operating profit (EBIT), % 1) 5.2 9.1 - 7.4 11.1 - 10.8 Return on equity (ROE) (LTM), % 1) - - - 10.2 16.4 - 16.4 Equity ratio, % 1) - - - 35.4 39.6 - 40.7 Adjusted earnings per share, EUR * 1) 0.08 0.14 -45.8 0.40 0.61 -35.2 0.88 Earnings per share, EUR 0.04 0.13 -66.2 0.29 0.57 -49.3 0.73 Weighted average number of shares outstanding, in thousands 126,809 126,655 - 126,775 126,644 - 126,647 Net debt 1) - - - 647.1 500.5 29.3 505.5 Gearing, % 1) - - - 120.6 89.1 - 86.5 Net debt/EBITDA (LTM) 1) - - - 3.3 2.1 - 2.1 Net debt/Adjusted EBITDA (LTM) * 1) - - - 2.9 2.0 - 2.0 Average personnel, FTE2) - - - 5,107 5,576 -8.4 5,526 Non-employees (end of period)3) - - - 6,268 6,029 4.0 6,017 Sustainability PEI-index, %4) 75.6 70.1 7.8 70.7 Net Promoter Score (NPS), appointments 86.5 87.2 -0.8 87.6 Net Promoter Score (NPS), hospitals 96.1 96.9 -0.8 95.4 Engagement index5) 4.1 4.2 -2.4 4.1 * Adjustments are material items outside the ordinary course of business and these relate to acquisition-related expenses, restructuring-related expenses, gains and losses on sale of assets (net), impairment losses, strategic projects and other items affecting comparability. Adjustments for the reporting period are described in more detail in the section “Profit improvement and development programmes and items affecting comparability.” 1) Alternative performance measure. Terveystalo presents alternative performance measures as additional information to financial measures defined in IFRS. Those are performance measures that the company monitors internally, and they provide management, investors, securities analysts and other parties with significant additional information regarding the company's results of operations, financial position and cash flows. These should not be considered in isolation or as a substitute to the measures under IFRS. 2) Financial years 2026 and 2025 do not include Medimar Scandinavia Ab, Cityläkarna Mariehamn Ab (merged to Medimar Scandinavia Ab 31.3.2026),Turun Silmälaser Oy and Silmäsairaala Pilke Oy. Recuror Oy and Veikkolan hammaslääkäriasema Oy are included since the merger to Suomen Terveystalo Oy in financial year 2025. 3) Financial year 2025 does not include Turun Silmälaser Oy and Silmäsairaala Pilke Oy which were acquired 31.12.2025. 4) PEI index (Patient Enablement Instrument) is used to measure whether the patient feels that he is coping with his symptoms or illness much better, better, as before, or worse after the reception. The scale is 1-4. The PEI index is calculated by taking the percentage of patients who felt they are able to cope with their health condition better or much better and comparing it to the total number of respondents. 5) The engagement index for Terveystalo professionals is based on four questions from Terveystalo’s annual professional survey. The results are used to calculate the index value, i.e. the average of the results. The questions concern supervisory work, the preconditions for success at work, work communities and commitment. The index is expressed on a scale of 1–5.

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Operating environment Healthcare Services Market demand for occupational health services remained subdued, which was reflected particularly in a decline in the number of medical care visits in occupational health. Market developments were affected by the lower-than-usual incidence of upper respiratory tract infections, reductions in the scope of agreements with client companies, and caution in an uncertain economic environment. At Terveystalo, the development was also affected by a decline in the number of occupational health end users compared with the comparison period. The occupational health development programme progressed as planned, and the company expects the number of connected occupational health customers to return to growth gradually during the first quarter of 2027. Demand for consumer healthcare services remained more stable than demand for occupational healthcare, although consumer caution and economic uncertainty continued to affect demand. Consumer confidence improved over the summer but weakened in September and remained negative. Demand from Terveystalo’s out-of-pocket customers followed a similar trend, strengthening in July–August before weakening in September. The freedom of choice pilot for people aged 65 and over, launched in September 2025, increased the use of services during the reporting period. Between the launch of the pilot and the end of September 2026, approximately 103,000 visits were carried out at Terveystalo, and customer satisfaction among customers covered by the pilot was at a high level. Portfolio Businesses The market environment for publicly funded healthcare services in Finland remained cautious, as the wellbeing services counties continued to focus on cost savings and balancing their finances. The market continued to be characterised mainly by smaller and more targeted tenders, particularly in digital services, staffing services, and individual service packages. At the same time, several wellbeing services counties advanced changes in their production structures and engaged in market dialogue, which supports the transition towards phased and modular procurement models. However, large-scale outsourcing arrangements remained limited. In services targeted at consumers, demand for dental care developed positively in the third quarter. Demand for massage services also showed gradual strengthening. Sweden In Sweden, the market environment remained challenging, although there were signs of gradual improvement in the economy and labour market. Demand for corporate health services remained subdued due to customers’ cautious purchasing behaviour and unemployment remaining elevated. Demand for rehabilitation services for harmful use remained more stable, while demand for preventive services continued to be weaker than in the comparison period. Healthcare professional labour market in Finland The availability of healthcare professionals remained at a good level and Terveystalo’s service capacity was strong. In Universum’s 2026 employer branding survey, Terveystalo was selected as the most ideal employer in the healthcare services sector among healthcare professionals. A collective agreement was reached in the private social services sector on 27 February 2026 and in the private healthcare services sector on 11 May 2026. The collective agreement for the private healthcare services sector is valid from 1 May 2026 to 30 April

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2028. In accordance with the agreement, salaries were increased in September 2026 by a 2.22 per cent general and scale increase, and the scale salaries in job demand group 3 were increased by 0.7 per cent. A local increment of 0.6 per cent and a one-off payment of EUR 183 will be paid in December 2026. In August 2027, salaries will be increased by a 2.0 per cent general and scale increase and a 0.4 per cent local increment. The collective agreement also includes changes to terms and conditions of employment and the remuneration system. The changes are expected to affect the development of personnel expenses and support the availability of workforce in the sector in the long term. The majority of physicians working at Terveystalo are private practitioners who are not employed by the company. The regulatory environment and treatment queues in Finland The government programme aims to enhance cooperation between private and public healthcare in order to improve the effectiveness and cost-efficiency of the service system. Reforms and increases in Kela reimbursements have expanded the range of reimbursable services. Increases and reforms related to reimbursements for ophthalmologists, gynaecologists, dental care, and mental health services came into effect in 2025. The freedom of choice pilot for people aged 65 and over, launched in September 2025, was expanded in line with the Government’s spring 2026 policy decisions. As of the beginning of July 2026, 20 new laboratory and imaging examinations were added to the pilot, bringing the total number of examinations covered by the pilot to 42. In addition, the Government submitted a proposal to Parliament under which the annual maximum number of reimbursable general practitioner visits would be increased from three to six, up to four direct access physiotherapy visits per year would be added to the pilot, and the pilot would be extended until the end of 2028. The changes are intended to enter into force on 1 January 2027, subject to Parliament approving the proposal to amend the Health Insurance Act. In total, approximately EUR 500 million is planned to be allocated during the government term for all the reforms referred to above, of which the state’s share is EUR 335 million. By reallocating reimbursements, the Government aims to improve access to services and promote freedom of choice. The Government has also launched two separate EUR 40 million pilot funding calls for wellbeing services counties. The first funding call, launched in spring 2026, concerned continuity of care and the personal doctor model. The second funding call was launched in the autumn, and funding may be applied for not only to promote continuity of care and personal doctor models, but also, for example, to develop services for children and young people and strengthen cooperation between health and social services, employment services, and occupational health services in order to support the work ability of unemployed people. The Government has removed, and intends to further remove, other legislative barriers that prevent wellbeing services counties from making use of private service providers. The measures outlined in the government programme may support demand for private service provision and create new opportunities for publicly funded and privately delivered services. Queues in the public healthcare sector remain long. According to the monthly updated data of the Finnish Institute for Health and Welfare (THL), at the end of August 2026, a total of 126,200 patients were waiting for non-urgent specialised medical care, of whom 6.1 per cent had been waiting for more than 180 days. At the beginning of 2025, the maximum waiting times for access to primary healthcare were extended, effectively loosening the care guarantee. In addition, the Health Care Act was amended to allow wellbeing services counties to procure surgical services from private providers to a greater extent than before.

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Financial development Revenue In the third quarter of 2026, the Group’s revenue decreased by 6.2 per cent year-on-year to EUR 262.9 (280.4) million. MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 Portfolio Business 40.9 45.0 -9.0 118.8 144.6 -17.9 192.5 Sweden 13.2 13.5 -2.0 53.3 54.5 -2.2 75.6 Segments total 267.6 285.1 -6.1 879.0 963.7 -8.8 1,299.1 Other -4.7 -4.6 -1.6 -14.7 -14.8 0.6 -20.3 Total 262.9 280.4 -6.2 864.4 948.9 -8.9 1,278.9 Other section’s revenue includes eliminations between reporting segments. The Healthcare Services segment revenue decreased by 5.8 per cent and was EUR 213.5 (226.6) million. Revenue declined across all customer groups, while revenue from insurance customers increased slightly. The decline in revenue was driven by a decrease in the number of connected occupational health customers, lower visit volumes in occupational healthcare services, and reduced service sales to the public sector. The number of working days was unchanged year-on-year. The Portfolio Businesses segment revenue decreased by 9.0 per cent and was EUR 40.9 (45.0) million. Revenue decreased year-on- year due to the reduction in the outsourcing portfolio and lower prices in staffing services. The divestment of the child welfare business contributed to the year-on-year decline in revenue. Revenue from dental care services grew organically and through the consolidation of Hohde Group, which contributed EUR 5.5 million in the reporting period. The revenue from Sweden decreased by 2.0 per cent and was EUR 13.2 (13.5) million. Expired contracts and subdued demand for corporate health and preventive services weighed on revenue. Demand for rehabilitation services for harmful use was more stable than in the comparison period. Without the currency effect, the revenue decreased by 1.4 per cent. There were 66 (66) working days in July–September 2026. In January–September 2026, the Group’s revenue decreased by 8.9 per cent year-on-year to EUR 864.4 (948.9) million. The Healthcare Services segment revenue decreased by 7.5 per cent and was EUR 707.0 (764.6) million. The decline in revenue was driven by a decrease in the number of occupational health customers, lower visit volumes in occupational healthcare services, and reduced service sales to the public sector. The number of working days was unchanged year-on-year. The Portfolio Businesses segment revenue decreased by 17.9 per cent and was EUR 118.8 (144.6) million. Revenue decreased year- on-year due to the reduction in the outsourcing portfolio and lower prices in staffing services. The divestment of the child welfare business contributed to the year-on-year decline in revenue. Revenue from dental care services increased. Revenue from dental care/oral healthcare services grew organically and through the consolidation of Hohde Group, which contributed EUR 5.5 million in the reporting period. The revenue from Sweden decreased by 2.2 per cent due to lower demand and ended contracts and came to EUR 53.3 (54.5) million. Without the currency effect, the revenue decreased by 4.1 per cent.

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In January–September 2026, there were 188 (188) working days. Financial performance and cash flow The Group’s adjusted operating profit (EBIT) for the third quarter of 2026 decreased by 33.6 per cent to EUR 17.8 (26.8) million, representing 6.8 (9.5) per cent of revenue. Adjusted EBIT decreased year-on-year across all business areas. Adjusted EBIT was particularly affected by lower occupational healthcare volumes in Healthcare Services and expired outsourcing contracts in Portfolio Businesses. Strong operational efficiency was not sufficient to offset the negative earnings impact of lower revenue. Adjusted EBIT MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 21.3 28.1 -24.1 84.5 111.1 -23.9 154.6 Portfolio Business 0.9 3.3 -72.2 2.8 9.9 -72.0 12.6 Sweden -2.7 -2.6 -5.5 -3.1 -3.4 7.3 -2.6 Segments total 19.5 28.8 -32.3 84.2 117.6 -28.4 164.6 Other -1.7 -2.0 15.4 -6.6 -6.3 -4.2 -8.3 Total 17.8 26.8 -33.6 77.6 111.3 -30.3 156.3 Adjusted operating profit (EBIT) in Healthcare Services decreased year-on-year due to lower revenue and weaker sales mix. Operating efficiency remained at a good level but was not sufficient to offset the negative impact of lower revenue on earnings. Adjusted operating profit (EBIT) in Portfolio Businesses decreased year-on-year due to lower revenue. Improved operating efficiency mitigated the negative impact of lower revenue on earnings. The adjusted operating profit (EBIT) in Sweden decreased slightly year-on-year. Cost savings achieved through the profit improvement programme partly offset the negative impact of lower revenue on earnings. Material expenses and service purchasing decreased by 2.8 per cent year-on-year and amounted to EUR -110.2 (-113.3) million. Employee benefit expenses decreased by 7.1 per cent year-on-year and amounted to EUR -82.2 (-88.5) million. Personnel costs decreased due to cost structure adjustment measures, lower sick leaves and terminated outsourcing contracts. On the other hand, personnel costs increased due to new recruitments, as well as salary increases. Other operating expenses increased by 9.5 per cent to EUR -32.6 (-29.8) million. The Group’s adjusted EBITDA decreased by 16.8 per cent year-on-year to EUR 42.2 (50.8) million. Adjusted earnings before interest, taxes, amortisation, and impairment losses (EBITA) amounted to 23.6 (32.4) million. Earnings before interest, taxes, amortisation, and impairment losses (EBITA) amounted to EUR 19.6 (31.0) million. Adjusted EBIT amounted to EUR 17.8 (26.8) million. Operating profit (EBIT) came to EUR 13.7 (25.4) million. Net financing increased to EUR -5.5 (-5.1) million. The result before tax was EUR 8.2 (20.2) million. Income taxes were EUR -2.7 (-4.1) million. The result for the third quarter amounted to EUR 5.5 (16.2) million, and earnings per share were EUR 0.04 (0.13). Adjusted earnings per share were EUR 0.08 (0.14). Cash flow from operating activities in the third quarter decreased to EUR 27.3 (54.5) million. The decline was mainly driven by weaker earnings and a lower positive cash flow impact from changes in trade and other receivables compared with the comparison period.

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Cash flow from investing activities amounted to EUR -76.7 (-15.9) million. The change in cash flow from investing activities was mainly attributable to the acquisition of Hohde Group. Cash flow from financing activities amounted to EUR 31.9 (-10.8) million. The difference compared with the comparison period was mainly due to the EUR 100.0 million long-term loan drawn during the reporting period, partly offset by loan repayments. In January–September 2026, the Group’s adjusted operating profit (EBIT) decreased by 30.3 per cent to EUR 77.6 (111.3) million, representing 9.0 (11.7) per cent of revenue. In Healthcare Services adjusted operating profit (EBIT) decreased compared to the comparison period due to the decline in revenue. Operating efficiency remained at a good level, and during the reporting period the cost structure was adjusted to the weak demand environment. In Portfolio Businesses adjusted operating profit (EBIT) weakened compared to the comparison period due to the decline in revenue. Profitability was supported by improved operating efficiency. In Sweden adjusted operating profit (EBIT) improved compared to the comparison period. Cost savings achieved through the profit improvement programme offset the negative impact of the decline in revenue. Material expenses and service purchasing decreased by 6.5 per cent year-on-year and amounted to EUR -354.8 (-379.6) million. Employee benefit expenses decreased by 8.3 per cent year-on-year and amounted to EUR -275.0 (-299.9) million. Personnel costs decreased due to cost structure adjustment measures, lower sick leaves and terminated outsourcing contracts. On the other hand, personnel costs increased due to new recruitments, as well as salary increases. Other operating expenses increased by 3.6 per cent to EUR -98.3 (-95.0) million. The Group’s adjusted EBITDA decreased by 17.8 per cent year-on-year to EUR 150.5 (183.1) million. Adjusted earnings before interest, taxes, amortization, and impairment losses (EBITA) decreased by 26.2 per cent and amounted to EUR 95.0 (128.6) million. Earnings before interest, taxes, amortisation, and impairment losses (EBITA) amounted to EUR 82.1 (122.5) million. Adjusted EBIT amounted to EUR 77.6 (111.3) million. Operating profit (EBIT) came to EUR 63.5 (105.2) million. Net financing costs increased to EUR -16.1 (-15.9) million. The result before tax was EUR 47.2 (89.3) million. Income taxes were EUR -10.8 (-17.6) million. The result for the reporting period amounted to EUR 36.4 (71.8) million, and earnings per share were EUR 0.29 (0.57). Adjusted earnings per share were EUR 0.40 (0.61). Cash flow from operating activities decreased to EUR 63.1 (122.4) million. The decline was mainly driven by weaker earnings and higher tax payments compared with the comparison period, including supplementary corporate income tax payments relating to the 2025 financial year. Cash flow from investing activities amounted to EUR -97.1 (-39.4) million. The difference compared with the comparison period was mainly attributable to the acquisition of Hohde Group completed during the reporting period and investments in intangible assets, partly offset by lower investments in property, plant and equipment compared with the comparison period. Cash flow from financing activities amounted to EUR 28.7 (-68.8) million. The difference compared with the comparison period was mainly attributable to loans drawn during the reporting period, the positive cash flow impact of which was partly offset by loan repayments and higher dividend payments compared with the comparison period.

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Profit improvement & development programmes and items affecting comparability The occupational healthcare development programme, launched in 2025, focuses on renewing service models, improving pricing transparency and utilising digital tools to optimise production. The objective is to strengthen competitiveness and customer value over the long term. In the Portfolio Businesses, a profitability improvement programme is under way. It focuses on improving operational efficiency and strengthening capabilities to respond to a rapidly changing market. In addition, the aim is to accelerate growth in consumer businesses – in particular dental care and massage services – and to clarify the service offering for the public sector. In 2025, Terveystalo had several ongoing profitability improvement programmes as well as a development programme, all aiming to strengthen operational efficiency and the company’s competitiveness, and to support profitable growth in a changing market environment. The profitability improvement programme launched in late 2023 in Sweden was completed at the end of 2025. The programme achieved its objectives and resulted in significant structural improvements in profitability. Costs related to the profit improvement and development programmes in the third quarter amounted to approximately EUR 0.0 (- 0.3) million and during January-September 2026 EUR 5.6 (4.9) million. The costs mainly consisted of items related to restructuring and advisory fees, the latter of which are linked to the outcomes achieved through the programmes. The programme costs are treated as adjustments affecting comparability. In 2025, the total costs amounted to EUR 12.1 million. In 2026, the costs related to the programmes are estimated to amount to approximately EUR 8 million in total. Other items affecting comparability in January–September 2026 included, among other things, impairment losses on leasehold improvement expenditures of EUR 1.1 million, items related to the divestment of the child welfare business of EUR 1.5 million and acquisition-related expenses, including transfer taxes, in total of EUR 3.1 million. Financial position Terveystalo’s liquidity position is strong. Cash and cash equivalents at the end of the reporting period amounted to EUR 70.0 (79.4) million. The total assets of the Group amounted to EUR 1,519.7 (1,421.4) million. Equity attributable to owners of the parent company totalled EUR 536.6 (561.8) million. Gearing (including lease liabilities) was 120.6 (89.1) per cent and net debt amounted to EUR 647.1 (500.5) million. Net debt, excluding IFRS 16 (lease liabilities) amounted to EUR 453.2 (311.6) million. The increase in net debt and gearing was affected by the financing of the Hohde Group acquisition. The average maturity of Terveystalo's financial loans was 2.1 (2.3) years at the end of the reporting period, and in the third quarter of 2026, the average interest rate for loans from financial institutions was 3.1 (3.6) per cent. During the reporting period, the company fulfilled the covenant requirement included in its financing agreements reflecting relative indebtedness. During the second quarter of the reporting period, the company entered into bank financing agreements totalling EUR 550 million and refinanced its existing revolving credit facility (RCF). The EUR 200 million bank loan is intended to finance the acquisition of Hohde Group, to repay existing bank loans and for general corporate purposes. The EUR 350 million bank loan is intended to finance the Silmäasema acquisition and is conditional upon completion of the acquisition. During the third quarter, EUR 100 million of the EUR 200 million bank loan was drawn to finance the acquisition of Hohde Group. In connection with the financing arrangements, the company refinanced its EUR 80 million revolving credit facility maturing in 2027 and increased the committed facility amount to EUR 100 million. In addition, during the second quarter, the company completed a EUR 29.9 million tap issue under its existing sustainability-linked unsecured bond maturing in 2028. Following the tap issue, the outstanding nominal amount of the bond is EUR 129.9 million.

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At the end of the reporting period, the unused part of credit based on financing agreements and bank accounts with a credit facility amounted to EUR 213.0 (93.0) million. Return on equity (LTM) for the reporting period was 10.2 (16.4) per cent. The equity ratio was 35.4 (39.6) per cent. The partial tax audit conducted on the company has been concluded with no material changes to what has been previously reported. Seasonal variation and the impact of the number of business days Terveystalo’s revenue from corporate and private customers has typically been lower during the vacation seasons, particularly in the summer months. The number of business days influences the revenue and earnings development, particularly when comparing quarterly performance. There were 66 (66) working days in July–September 2026. In 2025, there were 251 working days. In 2026 there are 252 working days. Because of the seasonal nature of business, the required net working capital varies during the year. Variation is caused by the timing of pension and VAT payments, vacation pay obligations, and service fees related to occupational healthcare, etc. Number of working days by quarter 2024 2025 2026 Q1 63 62 62 Q2 61 60 60 Q3 66 66 66 Q4 62 63 64 Full year 252 251 252 Investments and acquisitions Total investments in January–September 2026 amounted to EUR 125.7 (80.3) million including investments in right-of-use assets and M&A. The Group’s investments, excluding M&A, amounted to EUR 56.7 (70.6) million, of which EUR 23.1 (40.6) million consist of right-of- use assets. The investments in right-of-use assets were mainly related to premises. Other investments consisted mainly of investments in digital application and service development, IT system projects, medical equipment, and network. Compared to the comparison period, the relative share of investments in intangible assets increased, while the relative shares of investments in tangible assets and right-of-use assets decreased. During the reporting period, Terveystalo completed the acquisition of Hohde Group on 4 September 2026. The Finnish Competition and Consumer Authority approved the transaction on 3 September 2026 subject to commitments offered by Terveystalo. As a condition for the approval, Terveystalo committed to arrangements specified in the authority's decision in certain local markets. Terveystalo has agreed to sell its private dental care operations in Savonlinna, Mikkeli and Seinäjoki to Emal Hammaslääkärit Oy. The acquisition significantly increases the scale of Terveystalo's oral health business and strengthens its nationwide network of clinics and laboratory services. Hohde Group has been consolidated into Terveystalo's financial reporting as of 4 September 2026. The cash flow impact related to the acquisition during the reporting period was EUR 66.1 million. Total investments for the reporting period also include a cash flow impact of EUR 2.9 million related to previously completed acquisitions. In addition, the divestment of Sauma Lastensuojelupalvelut Oy was completed during the first quarter, resulting in a cash flow impact of EUR 4.7 million during the reporting period. On 8 June 2026, Terveystalo signed an agreement to acquire 100 percent of the shares in Silmäasema Oy. The Transaction supports the company’s strategy to strengthen its position in selected areas of growth, particularly in the eye care market, and provides

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Terveystalo with material scale and a stronger platform for profitable growth. The purchase price, cash- and debt-free, is approximately EUR 574 million, consisting of an initial cash payment of EUR 275 million and 36.5 million new shares in Terveystalo valued at the closing share price of Terveystalo on 5 June 2026 of EUR 8.20 per share. On 30 June 2026, the Extraordinary General Meeting resolved to authorise the Board of Directors to issue shares in connection with the Transaction. The completion of the Transaction is subject to customary regulatory approvals and is expected by the end of 2026 or in the first quarter of 2027. On 4 September 2026, Terveystalo Healthcare Oy signed an agreement to acquire 100 percent of the shares in Solo Health Group. The acquisition strengthens Terveystalo's ability to support Finland's wellbeing services counties and expands its nationwide network of healthcare professionals. Solo Health provides physician, nursing and psychologist services for both primary healthcare and specialised healthcare needs. The company's operations are primarily focused on serving the public sector, and its clients include all wellbeing services counties in Finland. Solo Health's professional network comprises more than 700 healthcare and social care professionals, supported by approximately 40 administrative specialists. In 2025, the company generated revenue of EUR 33.1 million. The completion of the transaction is subject to approval by the Finnish Competition and Consumer Authority and is expected to take place during the first half of 2027. Personnel The number of Terveystalo’s employed personnel on 30 September 2026 was 7,444 (7,916) in Finland, 667 (650) in Sweden and 8,111 (8,566) in total. The number of personnel in full-time equivalents averaged 4,534 (4,939) in Finland, 573 (637) in Sweden and 5,107 (5,576) in total. The number of non-employees was 6,218 (5,976) in Finland, 50 (53) in Sweden and 6,268 (6,029) in total. The decrease in the number of employees in Finland was affected by the implemented cost-adjustment measures, the termination of outsourcing contracts, as well as the divestment of the child welfare business. In Sweden, the number of employees decreased due to ended customer contracts as part of the profit improvement programme. Following the completion of the Hohde Group acquisition on 4 September 2026, the Group’s personnel figures include approximately 770 Hohde Group employees and non- employees, which affects the comparability of the personnel figures between the reporting period and the comparison period. Personnel 1-9/2026 1-9/2025 Change, % 2025 Average personnel, (FTEs)1) Finland 4,534 4,939 -8.2 4,905 Sweden 573 637 -10.0 620 Total 5,107 5,576 -8.4 5,526 Employed staff (at the end of period)2) Finland 7,444 7,916 -6.0 7,691 Sweden 667 650 2.6 655 Total 8,111 8,566 -5.3 8,356 Non-employees (at the end of period)2) Finland 6,218 5,976 4.0 5,967 Sweden 50 53 -5.7 50 Total 6,268 6,029 4.0 6,017 1) Financial years 2026 and 2025 do not include Medimar Scandinavia Ab, Cityläkarna Mariehamn Ab,Turun Silmälaser Oy and Silmäsairaala Pilke Oy. Recuror Oy and Veikkolan hammaslääkäriasema Oy are included since the merger to Suomen Terveystalo Oy in financial year 2025. 2) Financial year 2025 does not include Turun Silmälaser Oy and Silmäsairaala Pilke Oy which were acquired 31.12.2025.

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Reporting segments Terveystalo Group comprises three reporting segments: Healthcare Services, Portfolio Businesses, and Sweden. Healthcare Services Healthcare Services – the business segment offers customers in Finland integrated care paths, ranging from preventive occupational health services to primary care, and various fields of specialised care, di agnostics, and day surgery. In Healthcare Services, the goal is to be the best provider of integrated care and to grow profitably. • Revenue declined year-on-year in the third quarter. Revenue declined across all customer groups, while revenue from insurance customers increased slightly. The decline in revenue was driven by a decrease in the number of connected occupational health customers, lower visit volumes in occupational healthcare services, and reduced service sales to the public sector. The number of working days was unchanged year-on-year. • Adjusted operating profit (EBIT) decreased compared to the comparison period due to the decline in revenue and weaker sales mix. Operating efficiency remained at a good level but was not sufficient to offset the negative impact of lower revenue on earnings. Key figures 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Revenue, MEUR 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 EBITA, MEUR 24.4 29.4 -17.0 89.7 118.6 -24.4 162.1 EBITA, % of revenue 11.4 % 13.0 % -1.6%-p. 12.7 % 15.5 % -2.8%-p. 15.7 % Adjusted EBITA, MEUR 24.5 31.0 -20.9 93.8 120.4 -22.1 166.7 Adjusted EBITA, % of revenue 11.5 % 13.7 % -2.2%-p. 13.3 % 15.7 % -2.4%-p. 16.2 % EBIT, MEUR 21.1 26.4 -19.9 79.3 109.4 -27.5 150.0 EBIT, % of revenue 9.9 % 11.7 % -1.8%-p. 11.2 % 14.3 % -3.1%-p. 14.6 % Adjusted EBIT, MEUR 21.3 28.1 -24.1 84.5 111.1 -23.9 154.6 Adjusted EBIT, % of revenue 10.0 % 12.4 % -2.4%-p. 12.0 % 14.5 % -2.5%-p. 15.0 % The revenue from Healthcare Services in the third quarter decreased by 5.8 per cent and was EUR 213.5 (226.6) million. Revenue declined across all customer groups, while revenue from insurance customers increased slightly. The number of working days was unchanged year-on-year. The revenue from occupational health customers decreased by 9.9 per cent to EUR 113.9 (126.4) million. The decline in revenue was driven by a decrease in the number of connected occupational health customers and lower visit volumes in occupational healthcare services. The decrease in visit volumes was influenced by lower prevalence of upper respiratory infections compared to the comparison period, as well as a reduction in the scope of agreements with client companies. Revenue from consumers (out-of- pocket) decreased 1.9 per cent and was EUR 50.7 (51.7) million. Revenue from insurance customers increased by 2.4 per cent to EUR 42.6 (41.6) million. The revenue from service sales decreased by 7.7 per cent to EUR 6.4 (6.9) million. The revenue from appointment services decreased by 5.1 per cent to EUR 142.1 (149.8) million. The number of physical appointments decreased by 5.5 per cent and the number of remote appointments decreased by 6.6 per cent from the comparison period. Revenue from diagnostics services (laboratory and imaging) decreased by 6.0 per cent and was EUR 52.8 (56.2) million. The number of diagnostics visits decreased by 5.5 per cent due to lower number of doctor appointments leading to less referrals to diagnostics. The revenue from other services decreased by 10.0 per cent and was 18.6 (20.6).

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Healthcare Services, revenue by customer groups, and services Healthcare Services, revenue 7-9/2026 7-9/2025 1-9/2026 1-9/2025 2025 MEUR Change, % Change, % By customer Occupational Health customers 113.9 126.4 -9.9 385.0 434.7 -11.4 588.5 Consumer customers 50.7 51.7 -1.9 164.3 166.8 -1.5 223.7 Insurance customers 42.6 41.6 2.4 136.7 140.2 -2.5 187.6 Service Sales 6.4 6.9 -7.7 21.0 22.9 -8.2 31.3 Total 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 By service Appointments 142.1 149.8 -5.1 471.1 501.7 -6.1 680.8 Diagnostics 52.8 56.2 -6.0 170.6 189.1 -9.8 250.7 Other 18.6 20.6 -10.0 65.4 73.8 -11.4 99.5 Total 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 Occupational health customers include corporate customers and public sector customers purchasing occupational health services . The company provides statutory occupational health services and other occupational health and wellbeing services to corporate cus tomers of all sizes as well as public sector customers. Consumer customers include individuals and families who pay for their services themselves and may later seek compensation fro m their insurance company. Insurance customers include services provided to occupational health customers and consumer customers, which are paid by the insurance company through statutory or voluntary insurance. Service sales mainly include services provided to public sector customers, such as specialised medical care services and othe r healthcare services produced in the service network. Outsourcing and staffing services are a part of Portfolio Businesses. Healthcare Services, number of visits Visits 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Appointments 1,195,710 1,268,693 -5.8 3,893,340 4,183,744 -6.9 5,732,624 Physical appointments 940,896 995,922 -5.5 3,082,214 3,292,076 -6.4 4,545,906 Remote appointments 254,814 272,771 -6.6 811,126 891,668 -9.0 1,186,718 Diagnostics 254,585 269,464 -5.5 829,170 923,188 -10.2 1,229,287 Other 13,492 12,372 9.1 48,445 43,572 11.2 59,582 Total 1,463,787 1,550,529 -5.6 4,770,954 5,150,504 -7.4 7,021,493 In January–September 2026, the revenue from Healthcare Services decreased by 7.5 per cent and was EUR 707.0 (764.6) million. The number of working days was unchanged year-on-year. Revenue from occupational health customers decreased by 11.4 per cent to EUR 385.0 (434.7) million. Revenue from consumer customers (out-of-pocket) decreased by 11.4 per cent and totalled EUR 164.3 (166.8) million. Revenue from insurance customers decreased by 2.5 per cent to EUR 136.7 (140.2) million. Revenue from service sales decreased by 8.2 per cent to EUR 21.0 (22.9) million. Revenue from appointment services decreased by 6.1 per cent to EUR 471.1 (501.7) million. The number of physical appointments decreased by 6.4 per cent, and the number of remote appointments decreased by 9.0 per cent from the comparison period. The decrease in visit volumes was driven by lower prevalence of upper respiratory infections compared to the comparison period, as well as a reduction in the scope of agreements with client companies. Revenue from diagnostics services (laboratory and imaging) decreased by 9.8 per cent and was 170.6 (189.1) million euros. Revenue from other services decreased by 11.4 per cent and amounted to 65.4 (73.8).

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In the Healthcare Services in the third quarter, adjusted operating profit (EBIT) decreased by 24.1 percent and amounted to EUR 21.3 (28.1) million, representing 10.0 (12.4) percent of revenue. Operating profit (EBIT) decreased due to the decline in revenue and weaker sales mix. Operating efficiency remained at a good level but was not sufficient to offset the negative impact of lower revenue on earnings. In the Healthcare Services in January–September 2026, adjusted operating profit (EBIT) decreased by 23.9 per cent and amounted to EUR 84.5 (111.1) million, representing 12.0 (14.5) per cent of revenue. Operational efficiency remained at a good level, and the cost structure was adjusted during the reporting period to match the weaker demand environment. Portfolio Businesses The Portfolio Businesses segment consists of business areas that aim for independent value creation utilising Terveystalo’s capabilities according to their needs. The Portfolio Businesses segment includes publicly funded services, such as outsourcing and staffing services, as well as consumer services, including dental care and massage. • In the third quarter, revenue decreased year-on-year due to the reduction in the outsourcing portfolio and lower prices in staffing services. The divestment of the child welfare business contributed to the year-on-year decline in revenue. Revenue from dental care services increased. • Adjusted operating profit (EBIT) weakened compared to the comparison period due to the decline in revenue. Improved operating efficiency mitigated the negative impact of lower revenue on earnings. • Terveystalo completed the acquisition of Hohde Group, which supports the company’s strategy to develop oral health as one of its selected growth areas, significantly increases the scale of the oral health business, and strengthens its nationwide network of clinics and laboratory services. Hohde Group has been consolidated into Terveystalo’s financial reporting as of 4 September 2026 and contributed approximately EUR 5.5 million to third-quarter revenue. Key figures 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Revenue, MEUR 40.9 45.0 -9.0 118.8 144.6 -17.9 192.5 EBITA, MEUR 0.9 3.6 -76.3 3.1 10.5 -70.6 13.2 EBITA, % of revenue 2.1 % 8.0 % -5.9%-p. 2.6 % 7.2 % -4.6%-p. 6.9 % Adjusted EBITA, MEUR 1.4 3.6 -62.2 4.1 10.7 -62.1 13.7 Adjusted EBITA, % of revenue 3.3 % 8.0 % -4.7%-p. 3.4 % 7.4 % -4.0%-p. 7.1 % EBIT, MEUR 0.4 3.3 -87.5 1.8 9.6 -81.5 12.1 EBIT, % of revenue 1.0 % 7.4 % -6.4%-p. 1.5 % 6.6 % -5.1%-p. 6.3 % Adjusted EBIT, MEUR 0.9 3.3 -72.2 2.8 9.9 -72.0 12.6 Adjusted EBIT, % of revenue 2.3 % 7.4 % -5.1%-p. 2.3 % 6.8 % -4.5%-p. 6.5 % In the Portfolio Businesses in the third quarter, revenue decreased by 9.0 per cent and amounted to EUR 40.9 (45.0) million. Revenue from outsourcing services decreased by 50.9 per cent due to the reduction of the outsourcing portfolio and amounted to EUR 6.6 (13.5) million. Revenue from staffing services decreased by 6.6 per cent due to lower prices and amounted to EUR 11.8 (12.6) million. Revenue from dental care services increased by 54.2 per cent and amounted to EUR 17.7 (11.5) million. Oral health revenue growth was supported by both organic development and the acquisition of Hohde Group, completed at the beginning of September. The acquisition contributed approximately EUR 5.5 million to Portfolio Businesses revenue in the third quarter. Revenue from other services decreased by 35.3 per cent and amounted to EUR 4.8 (7.4) million. The divestment of the child welfare business contributed to the year-on-year decline in revenue.

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Portfolio Businesses, revenue 7-9/2026 7-9/2025 1-9/2026 1-9/2025 2025 MEUR Change, % Change, % Outsourcing Services 6.6 13.5 -50.9 19.7 41.4 -52.3 54.8 Staffing Services 11.8 12.6 -6.6 37.3 40.5 -8.0 53.1 Dental Care 17.7 11.5 54.2 45.3 38.7 17.0 52.4 Other 4.8 7.4 -35.3 16.5 24.0 -31.3 32.2 Total 40.9 45.0 -9.0 118.8 144.6 -17.9 192.5 In the Portfolio Businesses, in January–September 2026, revenue decreased by 17.9 per cent and amounted to EUR 118.8 (144.6) million. Revenue from outsourcing services decreased by 52.3 per cent due to the reduction of the outsourcing portfolio and amounted to EUR 19.7 (41.4) million. Revenue from staffing services decreased by 8.0 per cent mainly due to lower prices and weaker demand and amounted to EUR 37.3 (40.5) million. Revenue from dental care increased by 17.0 per cent and amounted to EUR 45.3 (38.7) million. Revenue from other services decreased by 31.3 per cent and amounted to EUR 16.5 (24.0) million. In the Portfolio Businesses in the third quarter, adjusted operating profit (EBIT) decreased to EUR 0.9 (3.3) million, representing 2.3 (7.4) per cent of revenue. Profitability weakened compared to the comparison period due to the decline in revenue. Improved operating efficiency mitigated the negative impact of lower revenue on earnings. In the Portfolio Businesses in January–September 2026, adjusted operating profit (EBIT) decreased by 72.0 per cent and amounted to EUR 2.8 (9.9) million, representing 2.3 (6.8) per cent of revenue. Profitability weakened compared to the comparison period due to the decline in revenue. Improved operating efficiency mitigated the negative impact of lower revenue on earnings. Sweden The Sweden segment consists of Feelgood subsidiaries’ operations in Sweden, which are focused on occupational health and consultation for organizational management and harmful use. In 2026, the focus will be on strengthening our market position, which can also be supported through acquisitions. • In the third quarter, revenue decreased year-on-year due to expired contracts and weak demand. • Adjusted operating profit (EBIT) decreased slightly year-on-year. Cost savings achieved through the profit improvement programme partly offset the negative impact of lower revenue on earnings. Key figures 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Revenue, MEUR 13.2 13.5 -2.0 53.3 54.5 -2.2 75.6 EBITA, MEUR -2.4 -2.4 0.4 -2.2 -4.5 52.1 -6.9 EBITA, % of revenue -17.8 % -17.5 % -0.3%-p. -4.0 % -8.3 % 4.3%-p. -9.1 % Adjusted EBITA, MEUR -2.4 -2.3 -2.1 -1.9 -2.4 -20.2 -1.3 Adjusted EBITA, % of revenue -17.8 % -17.1 % -0.7%-p. -3.6 % -4.4 % 0.8%-p. -1.7 % EBIT, MEUR -2.7 -2.6 -3.2 -3.4 -5.5 38.5 -8.2 EBIT, % of revenue -20.7 % -19.6 % -1.1%-p. -6.3 % -10.1 % 3.8%-p. -10.9 % Adjusted EBIT, MEUR -2.7 -2.6 -5.5 -3.1 -3.4 7.3 -2.6 Adjusted EBIT, % of revenue -20.7 % -19.2 % -1.5%-p. -5.9 % -6.2 % 0.3%-p. -3.5 %

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In the Sweden segment in the third quarter, revenue decreased by 2.0 per cent and amounted to EUR 13.2 (13.5) million. Without the currency effect, the revenue decreased by 1.4 per cent. Expired contracts and subdued demand for corporate health and preventive services weighed on revenue. Demand for rehabilitation services for harmful use was more stable than in the comparison period. In the Sweden segment in January–September 2026, revenue decreased by 2.2 per cent and amounted to EUR 53.3 (54.5) million. Without the currency effect, the revenue decreased by 4.1 per cent. Expired contracts and subdued demand for corporate health and preventive services weighed on revenue. In the Sweden segment in the third quarter, adjusted operating profit (EBIT) amounted to EUR -2.7 (-2.6) million, representing - 20.7 (-19.2) per cent of revenue. Cost savings achieved through the profit improvement programme partly offset the negative impact of lower revenue on earnings. In the Sweden segment in January–September 2026, adjusted operating profit (EBIT) amounted to EUR -3.1 (-3.4) million, representing -5.9 (-6.2) per cent of revenue. Cost savings achieved through the profit improvement programme partly offset the negative impact of lower revenue on earnings. Shares and share holders Terveystalo Plc has one share series (TTALO), which is listed on Nasdaq Helsinki Ltd. At the end of the third quarter of 2026, Terveystalo’s market value was EUR 945 (1,286) million and the closing price was EUR 7.44 (10.12). During the first half of 2026, the highest price of Terveystalo’s share was EUR 10.34 (12.54), the lowest price was EUR 6.95 (10.08), and the average price was EUR 8.36 (11.30). A total of 42.2 (34.8) million shares were traded. The turnover of shares traded was EUR 349.0 (390.1) million. At the end of the reporting period, the number of Terveystalo shares registered in the Trade Register was 127,036,531 (127,036,531). Each share entitles its holder to one vote at the Annual General Meeting. During the reporting period, the weighted average number of shares outstanding was 126,809,000 (126,655,000). Terveystalo and its subsidiaries hold 227 067 (381,388) own shares for reward purposes, corresponding to 0.2 (0.3) percent of all outstanding shares. The total number of shareholders was 51,739 (38,495) at the end of the reporting period Notifications of major shareholdings Terveystalo Plc received a flagging notification on 6 October 2026, according to which Rettig Investment AB's holding of shares and votes in Terveystalo Plc fell below the 15 per cent threshold on 5 October 2026. Following the transaction, Rettig Investment AB's holding amounted to 19,037,669 shares, corresponding to 14.9860 per cent of all shares and votes in Terveystalo Plc. The Board’s authorisations The Board has been authorised to resolve the repurchase and/or on the acceptance as pledge of the company’s own shares using the unrestricted equity of the company. The authorisation covers a maximum of 12,703,653 own shares in total, which corresponds to approximately 10 percent of all shares in the company. The Board has also been authorised to resolve the issuance of shares and special rights entitling to shares as referred to in Chapter 10, Section 1 of the Finnish Companies Act. The authorisation covers a maximum of 12,703,653 own shares in total, which corresponds to approximately 10 percent of all shares in the company. Authorisations were not used during the reporting period.

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In addition, the Extraordinary General Meeting held on 30 June 2026 authorised the Board of Directors to resolve, on one or several occasions, on the issuance of up to 36,500,000 new shares in deviation from the shareholders’ pre-emptive rights in connection with the acquisition of Silmäasema Oy. The authorisation may only be used to execute the agreed share consideration as part of the transaction and is valid until 30 September 2027. The authorisation does not revoke the share issue authorisation granted by the Annual General Meeting. Changes in the management team Sanna Ahonen was appointed SVP, Chief Transformation Officer and a member of Terveystalo’s Executive Team. She assumed her position on 10 August 2026 and reports to President and CEO Ville Iho. Oral and maxillofacial surgeon Ville Pesonen was appointed SVP, Oral Health and a member of Terveystalo’s Executive Team effective from 4 September 2026. He joined the position from his role as CEO of Hohde Group and reports to President and CEO Ville Iho. Juuso Pajunen, Chief Financial Officer and a member of Terveystalo’s Executive Team, announced that he will leave the company to take up a new position outside Terveystalo. Pajunen will continue in his current role until 15 December 2026. Terveystalo has initiated the recruitment process for a new Chief Financial Officer. Events after the end of the reporting period Terveystalo paid the second instalment of the dividend, EUR 0.32 per share, on 15 October 2026, in accordance with the resolution of the Annual General Meeting held on 24 March 2026. After the reporting period, on 20 October 2026, Terveystalo issued a profit warning, lowered its guidance for 2026, and provided preliminary information on revenue and profitability for the third quarter of 2026. The most significant short -term risks and uncertainty factors Terveystalo’s risk management is governed by the risk management policy approved by the Board. The policy defines goals, principles, organizations, responsibilities, and practices for risk management. The management of financial risks complies with the Group’s financing policy approved by Terveystalo’s Board. The risks and uncertainty factors described below are considered to potentially have a significant impact on the company’s business operations, financial results, and outlook within the next 12 months. The list is not intended to be exhaustive. The order in which the risks are presented does not describe the magnitude of the impact of the risks' realization or the probability of their occurrence. • The company’s business operations rely on its capacity to identify, recruit, and retain competent and professional healthcare professionals, employees, and executives. The increased supply of services and increased competition may affect the availability of healthcare professionals, particularly in major cities. Turnover in key employees involves the risk of losing knowledge and expertise. • Weak general economic performance and high inflation in Finland and their effects on the financial circumstances of private individuals, employers, and public entities may adversely affect Terveystalo’s business and results of operations by decreasing the demand for Terveystalo’s services, as well as may adversely affect the availability of financing. • The company’s business is very dependent on functioning information systems, data communication, and external service providers. Interruptions can result from hardware failure, software failure, or cyber threats. Long-lasting malfunction of information systems or payment transfers can lead to significant loss of sales and a decline in customer satisfaction. • The company may not be able to find suitable acquisition targets or expansion opportunities under favourable terms, and the integration of acquisition targets is not necessarily realized as planned. The company may also not obtain the required regulatory approvals.

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• Terveystalo’s expansion to new geographical locations involves several risks, and failure to identify expansion opportunities, recruit new employees, and achieve estimated benefits may adversely affect Terveystalo’s business and the results of operations. • The development and implementation of information system projects and services, service products, and operating models involve risks. The company develops new digital customer solutions, which increases the overall risk related to information systems. A failure in the development of digital systems may expose Terveystalo to potential technical faults and disturbances. • Endangered information security or privacy can lead to losses, claims for damages, and endanger reputation. • Pandemics or epidemics and related restrictive measures may adversely affect the business operations of Terveystalo through, among other things, demand for certain healthcare services and challenges in the supply chain. • Changes in the competitive landscape, new competitors entering the markets, and increasing price competition may have a negative impact on the company’s profitability and growth potential. • Terveystalo is exposed to changes in demand for occupational healthcare services due to demographic trends, aging and shrinking working-age population. • The Social Welfare and Healthcare Reform in Finland and its legal interpretations may have impacts on Terveystalo’s business and results of operations. • Changes in compensation systems for healthcare services may adversely affect Terveystalo’s business, financial position, and results of operations. • Failures or deficiencies in the operational risk management, medical quality, and internal control processes may result in failure of quality control, including medical quality, or otherwise adversely affect Terveystalo's profitability and reputation. • Terveystalo’s operations could be subject to labour disruptions or disputes. • Ongoing profit improvement programs may fall short of their targets and / or the improvements may not be sustainable. • The company is a party to and may become a party to, legal action or administrative procedures initiated by the authorities, patients, or third parties. According to the company’s opinion, its currently pending legal obligations and court cases are not significant in nature. Risk management at Terveystalo and risks related to the company’s business are described in more detail on the company’s website and in the company’s Annual Report 2025. Financial reportin g and Annual General Meeting in 2027 In 2027, Terveystalo will publish financial information as follows: Financial statements release 2026 12 February 2027 Annual Report 2026 Week 8 Interim Report, 1 January 1 – 31 March 2027 28 April 2027 Half-yearly Report, 1 January – 30 June 2027 16 July 2027 Interim Report, 1 January – 30 September 2027 22 October 2027 The financial reports will be published at approximately 8:00 a.m. EET/EEST. Financial reports are published in Finnish and English. Terveystalo observes a silent period of 30 days before the publication of financial information. Terveystalo Plc's Annual General Meeting (AGM) is planned to be held on Tuesday, 23 March 2027. The meeting will be convened by the company's Board of Directors separately at a later date. Results briefing and rescheduling of the Capital Markets Day Terveystalo will host an English-language results webcast and conference call on 21 October 2026 at 10:30 a.m. EEST. The webcast can be followed at: https://terveystalo.events.inderes.com/q3-2026

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Conference call: https://events.inderes.com/terveystalo/q3-2026/dial-in To participate in the conference call, please register via the link above. After registration, you will receive a phone number and conference ID to access the call. As part of the Q3/2026 results webcast, Terveystalo will provide a brief update on the execution of the ARC strategy. In addition, Ville Pesonen, SVP, Oral Health, will introduce himself to investors and provide a brief overview of the Oral Health business following the completion of the Hohde Group acquisition in September 2026. Capital Markets Day rescheduled Terveystalo has decided to postpone its previously planned Capital Markets Day from December 2026 to spring 2027. The purpose of the postponement is to ensure that the company can provide a comprehensive update on the execution of its ARC strategy, the development of its key growth platforms and the impact of its strategic transactions. The planned Silmäasema transaction is a key element of the ARC strategy, and Terveystalo believes that hosting the Capital Markets Day after completion of the transaction will enable the company to provide investors with a clearer view of strategy execution, the development of its growth platforms and the long-term value creation potential of the combined business. Terveystalo will announce the exact date of the Capital Markets Day at a later stage. Helsinki, 20 October 2026 Terveystalo Plc Board of Directors For further information, please contact: CFO Juuso Pajunen Tel. +358 40 584 9722 Distribution: Nasdaq Helsinki Oy Main media www.terveystalo.com

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Consolidated statement of comprehensive income MEUR Note 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Revenue 4 262.9 280.4 -6.2 864.4 948.9 -8.9 1,278.9 Other operating income 0.3 0.6 -46.7 1.4 2.5 -45.5 4.0 Materials and services 5 -110.2 -113.3 -2.8 -354.8 -379.6 -6.5 -509.8 Employee benefit expenses 6 -82.2 -88.5 -7.1 -275.0 -299.9 -8.3 -403.5 Depreciation, amortisation and impairment losses 11, 12 -24.5 -24.0 1.9 -74.1 -71.8 3.2 -100.0 Other operating expenses 7 -32.6 -29.8 9.5 -98.3 -95.0 3.6 -132.1 Operating result 13.7 25.4 -45.9 63.5 105.2 -39.6 137.5 Financial income 0.5 0.4 20.6 1.3 1.4 -4.3 1.8 Financial expenses -6.0 -5.6 7.3 -17.4 -17.2 0.8 -23.0 Net finance income and expenses 8 -5.5 -5.1 6.2 -16.1 -15.9 1.2 -21.2 Share of result in joint ventures -0.0 - - -0.2 - - -0.2 Result before taxes 8.2 20.2 -59.4 47.2 89.3 -47.1 116.2 Income tax expense 9 -2.7 -4.1 -32.8 -10.8 -17.6 -38.6 -23.5 Net income 5.5 16.2 -66.1 36.4 71.8 -49.2 92.6 Net income attributable to: Owners of the parent company 5.5 16.2 -66.1 36.4 71.8 -49.2 92.6 Other comprehensive income Items that may be reclassified to profit or loss -1.0 0.4 >-200.0 -2.3 1.8 >-200.0 3.0 Items that will not be reclassified to profit or loss - - - - - - 0.0 Other comprehensive income for the period, net of tax -1.0 0.4 >-200.0 -2.3 1.8 >-200.0 3.0 Total comprehensive income 4.5 16.6 -72.8 34.1 73.6 -53.6 95.6 Total comprehensive income attributable to: Owners of the parent company 4.5 16.6 -72.8 34.1 73.6 -53.6 95.6 Earnings per share for profit attributable to the shareholders of the parent company, in euro Basic earnings per share 0.04 0.13 -66.2 0.29 0.57 -49.3 0.73 Diluted earnings per share 0.04 0.13 -66.2 0.29 0.57 -49.3 0.73 The notes are an integral part of the consolidated interim financial statements.

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Consolidated statement of financial position MEUR Note 30 Sep 2026 30 Sep 2025 31 Dec 2025 ASSETS Non-current assets Property, plant and equipment 11 96.9 91.0 96.0 Right-of-use assets 13 182.1 179.0 189.5 Goodwill 12 920.8 838.0 838.8 Intangible assets 12 88.8 77.4 80.3 Investments in associates and joint ventures 6.7 3.8 7.2 Deferred tax assets 8.7 8.7 9.3 Other non-current assets 2.2 1.2 2.2 Total non-current assets 1,306.3 1,199.1 1,223.4 Current assets Inventories 9.7 8.0 7.6 Trade and other receivables 128.0 134.3 124.2 Current tax receivables 5.7 0.7 0.7 Cash and cash equivalents 70.0 79.4 75.2 Total current assets 213.4 222.3 207.7 Assets held for sale 16 - - 10.0 TOTAL ASSETS 1,519.7 1,421.4 1,441.1 EQUITY AND LIABILITIES Equity attributable to equity holders of the Company Share capital 0.1 0.1 0.1 Invested non-restricted equity reserve 492.8 492.8 492.8 Treasury shares -2.1 -14.8 -14.8 Translation differences -6.6 -5.4 -4.3 Retained earnings 52.4 89.1 110.4 Equity attributable to equity holders of the Company total 536.6 561.8 584.2 TOTAL EQUITY 536.6 561.8 584.2 Non-current liabilities Non-current financial liabilities 14 451.0 332.2 332.3 Non-current lease liabilities 13 146.5 141.2 154.3 Deferred tax liabilities 18.0 17.6 17.6 Other liabilities 15.2 18.0 20.4 Provisions 1.0 2.5 1.6 Total non-current liabilities 631.6 511.5 526.2 Current liabilities Current financial liabilities 14 72.2 58.8 48.8 Current lease liabilities 13 47.4 47.7 45.4 Current tax liabilities 0.0 12.3 16.5 Dividend liabilities 40.6 30.4 - Trade and other payables 189.5 196.7 212.4 Provisions 1.8 2.2 3.1 Total current liabilities 351.5 348.1 326.2 Liabilities directly associated with the assets held for sale 16 - - 4.6 TOTAL LIABILITIES 983.1 859.6 856.9 TOTAL EQUITY AND LIABILITIES 1,519.7 1,421.4 1,441.1 The notes are an integral part of the consolidated interim financial statements.

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Consolidated statement of changes in equity Equity attributable to owners of the parent company MEUR Share capital Invested non- restricted equity reserve Treasury shares Retained earnings Translation differences Total equity Equity 1 Jan 2026 0.1 492.8 -14.8 110.4 -4.3 584.2 Comprehensive income Profit for the period - - - 36.4 - 36.4 Other comprehensive income - - - - -2.3 -2.3 Transactions with owners Dividend - - - -81.2 - -81.2 Share-based payments - - 1.4 -2.0 - -0.6 Other Other Corrections* - - 11.3 -11.3 - - Equity 30 Sep 2026 0.1 492.8 -2.1 52.4 -6.6 536.6 * Correction to previous financial years figures. Equity attributable to owners of the parent company MEUR Share capital Invested non- restricted equity reserve Treasury shares Retained earnings Translation differences Total equity Equity 1 Jan 2025 0.1 492.8 -15.2 77.9 -7.3 548.2 Comprehensive income Profit for the period - - - 71.8 - 71.8 Other comprehensive income - - - -0.0 1.8 1.8 Transactions with owners Equity repayment - - - -60.8 - -60.8 Share-based payments - - 0.5 0.3 - 0.8 Equity 30 Sep 2025 0.1 492.8 -14.8 89.1 -5.4 561.8

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Equity attributable to owners of the parent company MEUR Share capital Invested non- restricted equity reserve Treasury shares Retained earnings Translation differences Total equity Equity 1 Jan 2025 0.1 492.8 -15.2 77.9 -7.3 548.2 Comprehensive income Profit for the period - - - 92.6 - 92.6 Other comprehensive income - - - 0.0 3.0 3.0 Transactions with owners Dividend - - - -60.8 - -60.8 Share-based payments - - 0.5 0.7 - 1.1 Equity 31 Dec 2025 0.1 492.8 -14.8 110.4 -4.3 584.2

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Consolidated statement of cash flows MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 2025 Cash flows from operating activities Profit before taxes 8.2 20.2 47.2 89.3 116.2 Adjustments for Non-cash transactions Depreciation, amortisation and impairment losses 24.5 24.0 74.1 71.8 100.0 Change in provisions -0.7 -0.3 -2.1 -1.6 -1.3 Other transactions 0.1 0.6 -1.2 0.4 0.7 Gains and losses on sale of property, plant and equipment -0.0 -0.1 -0.2 -0.1 -0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 Changes in working capital Trade and other receivables 1.0 16.1 -3.3 -1.5 8.4 Inventories 0.1 -0.4 0.0 -0.8 -0.4 Trade and other payables -6.1 -8.1 -35.2 -33.8 -17.7 Interest received 0.1 0.1 0.3 0.3 0.5 Income taxes paid -5.4 -2.8 -32.6 -17.6 -20.4 Net cash from operating activities 27.3 54.5 63.1 122.4 207.0 Cash flows from investing activities Acquisition of property, plant and equipment -3.9 -7.1 -14.3 -20.0 -30.8 Acquisition of intangible assets -5.6 -3.4 -19.2 -10.2 -20.8 Proceeds from sale of property, plant and equipment 0.1 0.2 0.4 0.4 0.6 Acquisition of subsidiaries, net of cash acquired -67.4 -0.2 -69.0 -4.1 -10.7 Proceeds from the disposal of subsidiaries, net of cash disposed of - - 5.0 0.1 0.1 Investments to joint ventures - -5.5 - -5.5 -7.0 Investments to shares and equity interest - - - - -1.0 Acquisition of business operation, net of cash acquired - - -0.0 -0.0 -0.0 Dividends received - 0.0 0.0 0.0 0.0 Net cash from investing activities -76.7 -15.9 -97.1 -39.4 -69.6 Cash flows from financing activities Proceeds from non-current borrowings 100.0 - 129.8 - - Repayment of non-current borrowings -5.6 - -11.1 - - Proceeds from current borrowings - 9.9 48.3 18.1 18.1 Repayment of current borrowings -46.4 -5.6 -46.4 -5.6 -15.6 Payment of lease liabilities -11.9 -12.3 -35.9 -36.5 -48.8 Payment of hire purchase liabilities - - - -0,0 -0,0 Interests and other financial expenses paid -4.7 -3.1 -16.3 -15.4 -21.1 Interests and other financial income received 0.4 0.3 1.0 1.0 1.3 Dividends paid - - -40.6 -30.4 -60.8 Net cash from financing activities 31.9 -10.8 28.7 -68.8 -126.8 Net change in cash and cash equivalents -17.5 27.8 -5.3 14.2 10.5 Cash and cash equivalents at the beginning of the period 87.5 51.5 75.2 65.2 65.2 Translation differences 0.0 0.0 -0.0 0.0 0.1 Transfer to assets held for sale - - - - -0.5 Cash and cash equivalents at the end of the period 70.0 79.4 70.0 79.4 75.2 The notes are an integral part of the consolidated interim financial statements.

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Notes to the interim financial statements 1. Basis of accounting principles The figures in these interim financial statements are unaudited, and have been prepared in accordance with IAS 34 Interim Financial Reporting -standard, and should be read in conjunction with the Group’s latest annual consolidated financial statements as at and for the year ended 31 December 2025. The accounting principles adopted are consistent with those of the annual financial statements for 2025. All presented figures have been rounded. Financial ratios have been calculated using exact figures. 2. Use of judgments and estimates In preparing these interim financial statements, management has made judgments, estimates and assumptions that affect the application of accounting policies and the reported amounts of assets and liabilities, income and expense. Actual results may differ from these estimates. The significant judgments made by management in applying the Group’s accounting policies and the key sources of estimation uncertainty were the same as those that applied to the consolidated financial statements for 2025. 3. Events after the reporting period Terveystalo paid the second instalment of the dividend, EUR 0.32 per share, on 15 October 2026, in accordance with the resolution of the Annual General Meeting held on 24 March 2026. After the reporting period, on 20 October 2026, Terveystalo issued a profit warning, lowered its guidance for 2026, and provi ded preliminary information on revenue and profitability for the third quarter of 2026.

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4. Revenue and segment information Terveystalo Group comprises of three operating segments that are reportable segments: Healthcare Services, Portfolio Business es, and Sweden. Monitoring of profitability is primarily based on operating segments. In addition, Terveystalo provides disclosure on revenue for Healthcare Services on customer and service level and for Portfolio Businesses on service level. Terveystalo offers services to four customer groups: occupational health customers, private customers, insurance customers an d public sector customers. The Group does not have customers whose revenue exceeds 10 per cent of the Group's total revenue. Healthcare Services offers customers in Finland integrated care paths fro m preventive occupational health services to primary care services and to different fields of specialized care, diagnostic, and day surgery. In Healthcare Services, Terveystalo aims for industry- leading profitability and the best care outcomes. The Portfolio Businesses segment consists of business areas that aim for independent value creation utilising Terveystalo’s capabilities according to their needs. Portfolio Businesses include public sector outsourcing, staffing services, and dental care, as well as other businesses such as public sector digital services, rehabilitation, child welfare, and massage services, as well as interpretation services. The Sweden segment consists of Feelgood subsidiaries’ operations in Sweden, which are focused on occupational health and consultation for organizational management and harmful use. In Sweden, Terveystalo aims for profitable growth in the medium and long term. In addition to operating segments, Terveystalo provides information for Other section. Other reported figures mainly consist of parent company expenses, unallocated Group level adjustments and provisions. Other section’s revenue includes eliminations between reporting segments. Disaggregation of revenue MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 Portfolio Business 40.9 45.0 -9.0 118.8 144.6 -17.9 192.5 Sweden 13.2 13.5 -2.0 53.3 54.5 -2.2 75.6 Segments total 267.6 285.1 -6.1 879.0 963.7 -8.8 1,299.1 Other -4.7 -4.6 -1.6 -14.7 -14.8 0.6 -20.3 Total 262.9 280.4 -6.2 864.4 948.9 -8.9 1,278.9 Healthcare Services, revenue 7-9/2026 7-9/2025 1-9/2026 1-9/2025 2025 MEUR Change, % Change, % By customer Occupational Health customers 113.9 126.4 -9.9 385.0 434.7 -11.4 588.5 Consumer customers 50.7 51.7 -1.9 164.3 166.8 -1.5 223.7 Insurance customers 42.6 41.6 2.4 136.7 140.2 -2.5 187.6 Service Sales 6.4 6.9 -7.7 21.0 22.9 -8.2 31.3 Total 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 By service Appointments 142.1 149.8 -5.1 471.1 501.7 -6.1 680.8 Diagnostics 52.8 56.2 -6.0 170.6 189.1 -9.8 250.7 Other 18.6 20.6 -10.0 65.4 73.8 -11.4 99.5 Total 213.5 226.6 -5.8 707.0 764.6 -7.5 1,031.0 Portfolio Businesses, revenue 7-9/2026 7-9/2025 1-9/2026 1-9/2025 2025 MEUR Change, % Change, % Outsourcing Services 6.6 13.5 -50.9 19.7 41.4 -52.3 54.8 Staffing Services 11.8 12.6 -6.6 37.3 40.5 -8.0 53.1 Dental Care 17.7 11.5 54.2 45.3 38.7 17.0 52.4 Other 4.8 7.4 -35.3 16.5 24.0 -31.3 32.2 Total 40.9 45.0 -9.0 118.8 144.6 -17.9 192.5

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Timing of satisfying performance obligations MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 At a point in time 256.3 266.5 -3.8 844.3 906.3 -6.8 1,222.4 Over time 6.6 13.9 -52.4 20.1 42.6 -52.8 56.4 Total 262.9 280.4 -6.2 864.4 948.9 -8.9 1,278.9 Other segment information Adjusted EBITA MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 24.5 31.0 -20.9 93.8 120.4 -22.1 166.7 Portfolio Business 1.4 3.6 -62.2 4.1 10.7 -62.1 13.7 Sweden -2.4 -2.3 -2.1 -1.9 -2.4 -20.2 -1.3 Segments total 23.6 32.3 -27.2 95.9 128.7 -25.4 179.1 Other 0.1 0.0 101.2 -1.0 -0,0 ->200.0 0.2 Total 23.6 32.4 -27.0 95.0 128.6 -26.2 179.3 EBITA MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 24.4 29.4 -17.0 89.7 118.6 -24.4 162.1 Portfolio Business 0.9 3.6 -76.3 3.1 10.5 -70.6 13.2 Sweden -2.4 -2.4 0.4 -2.2 -4.5 52.1 -6.9 Segments total 22.9 30.6 -25.3 90.6 124.5 -27.2 168.4 Other -3.3 0.4 ->200.0 -8.5 -2.0 ->200.0 -3.8 Total 19.6 31.0 -36.8 82.1 122.5 -33.0 164.6 Adjusted EBIT MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 21.3 28.1 -24.1 84.5 111.1 -23.9 154.6 Portfolio Business 0.9 3.3 -72.2 2.8 9.9 -72.0 12.6 Sweden -2.7 -2.6 -5.5 -3.1 -3.4 7.3 -2.6 Segments total 19.5 28.8 -32.3 84.2 117.6 -28.4 164.6 Other -1.7 -2.0 15.4 -6.6 -6.3 -4.2 -8.3 Total 17.8 26.8 -33.6 77.6 111.3 -30.3 156.3 EBIT MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Healthcare Services 21.1 26.4 -19.9 79.3 109.4 -27.5 150.0 Portfolio Business 0.4 3.3 -87.5 1.8 9.6 -81.5 12.1 Sweden -2.7 -2.6 -3.2 -3.4 -5.5 38.5 -8.2 Segments total 18.8 27.1 -30.5 77.7 113.5 -31.5 153.9 Other -5.1 -1.7 ->200.0 -14.1 -8.3 -71.0 -16.4 Total 13.7 25.4 -45.9 63.5 105.2 -39.6 137.5

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Reconciliation of the total of the reportable segment's adjusted EBIT and adjusted EBITA to the Group's profit before taxes MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 2025 Profit before taxes 8.2 20.2 47.2 89.3 116.6 Share of profits of joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 20.7 Adjustments* 4.0 1.4 14.0 6.1 18.8 Other 1.7 2.0 6.6 6.3 8.3 Segment's adjusted EBIT 19.5 28.8 84.2 117.6 164.6 Amortisation and impairment losses 5.9 5.6 18.6 17.3 27.1 Adjustments* - - -1.1 - -4.1 Other -1.8 -2.1 -5.6 -6.3 -8.5 Segment's adjusted EBITA 23.6 32.3 95.9 128.7 179.1 * Breakdown of adjustments in note 20. 5. Materials and services MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Purchase of materials -9.9 -8.2 19.9 -29.7 -28.4 4.4 -38.2 Change in inventories 0.3 0.4 -29.2 0.4 0.8 -52.2 0.4 External services -100.6 -105.5 -4.6 -325.5 -352.0 -7.5 -472.0 Total -110.2 -113.3 -2.8 -354.8 -379.6 -6.5 -509.8 6. Employee benefit expenses MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Wages and salaries -66.7 -71.9 -7.2 -223.5 -243.9 -8.3 -328.4 Share-based payments -0.3 -0.5 -43.7 -1.0 -1.4 -29.2 -1.7 Other personnel expenses -15.2 -16.1 -5.5 -50.5 -54.7 -7.7 -73.4 Total -82.2 -88.5 -7.1 -275.0 -299.9 -8.3 -403.5 7. Other operating expenses MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Leases and premises -6.3 -5.6 12.3 -17.3 -14.9 15.6 -20.8 ICT expenses -11.1 -11.7 -5.5 -34.4 -34.4 0.2 -45.0 Marketing and communication expenses -3.4 -3.1 10.9 -10.4 -9.7 7.6 -13.9 Other operating expenses -11.8 -9.4 26.2 -36.2 -36.0 0.7 -52.4 Total -32.6 -29.8 9.5 -98.3 -95.0 3.6 -132.1

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8. Financial income and expenses MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Interest income and other financial income 0.5 0.4 20.6 1.3 1.4 -4.3 1.8 Total financial income 0.5 0.4 20.6 1.3 1.4 -4.3 1.8 Interest expense on loans from financial institutions and bonds -4.3 -3.5 23.4 -11.2 -10.9 3.1 -14.1 Interest expenses on lease liabilities -1.8 -1.7 6.7 -5.4 -4.8 13.2 -6.5 Change in fair value of interest rate derivatives 0.6 -0.2 >-200.0 0.4 -1.0 -136.6 -1.0 Other financial expenses -0.4 -0.2 145.8 -1.1 -0.5 101.5 -1.3 Total financial expenses -6.0 -5.6 7.3 -17.4 -17.2 0.8 -23.0 Net financial expenses -5.5 -5.1 6.2 -16.1 -15.9 1.2 -21.2 9. Income taxes MEUR 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Current tax for the reporting year -2.9 -5.3 -44.2 -11.0 -20.6 -46.5 -27.3 Income taxes for prior periods 0.2 0.0 >-200.0 -0.2 -0.0 >200.0 0.2 Change in deferred taxes 0.0 1.2 -98.0 0.4 3.1 87.5 3.6 Total -2.7 -4.1 -32.8 -10.8 -17.6 -38.6 -23.5

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10. Share-based payments During the second quarter of 2026, Terveystalo granted a new performance period to long-term incentive plan 2021 to the members of executive team and other key persons. Vesting period is three years and the rewards are conditional on the fulfillment of a three- year service condition, performance conditions tied to total shareholder return and to financial targets that are set separately. The reward is granted as a gross number of Terveystalo shares, including a cash portion for taxes and tax -related expenses arising from the reward to the employee. The reward is settled as net shares. The program’s impact to the result for the nine months of the year 2026 has been EUR 0.3 million and the expected total cost of the program is EUR 1.8 million. 84 persons are included in the arrangement. During the second quarter of 2026, Terveystalo granted a new performance period to restricted share plan to individually sele cted employees. Vesting period is three years and the rewards are conditional on the fulfillment of a service condition. The rewar d is granted as a gross number of Terveystalo shares, including a cash portion for taxes and tax-related expenses arising from the reward to the employee. The reward is settled as net shares. The program’s impact to the result for the nine months of the year 2026 has been EUR 0.0 million and the expected total cost of the program is EUR 0.1 million. 4 persons are included in the arrangement. During the first quarter of 2026, long -term performance share plan 2021 vesting period 2023 -2025 as well as restricted share plan vesting period 2023 -2025 ended and in consequence, the shares earned were g ranted according to realisation of the plan’s conditional performance measures. In total 154 321 shares were granted. Rewards were conditional on the fulfilment of a three-year service condition and performance conditions tied to financial targets that were set separately. The plan is f ully accounted for as an equity settled share-based payment. The plan’s impact to the result for the period has been EUR 0.1 million. In addition to above mentioned incentive plans, Terveystalo has performance share plan 2021 vesting periods 2024-2026 and 2025- 2027 as well as restricted share plan vesting periods 2024 -2026 and 2025 -2027 ongoing during the review period. Descriptions of these plans are included in financial statements 2025.

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11. Property, plant and equipment 1-9/2026 Land and water, buildings and constructions Machinery and equipment Improvement to premises Other tangible assets and advances paid Total MEUR Acquisition cost 1 Jan 2026 2.3 210.7 93.5 10.3 316.9 Business combination - 5.0 1.7 0.0 6.7 Additions 0.4 4.7 0.7 7.7 13.5 Disposals - -0.2 - - -0.2 Translation differences -0.0 -0.2 -0.0 -0.0 -0.2 Transfers between items - 0.8 6.5 -7.3 - Acquisition cost 30 Sep 2026 2.7 220.8 102.4 10.8 336.6 Accumulated depreciation and impairment losses 1 Jan 2026 -1.5 -162.8 -56.4 -0.1 -220.9 Depreciation -0.0 -11.8 -6.1 - -17.8 Impairment losses - -0.0 -1.2 - -1.2 Translation differences 0.0 0.2 0.0 - 0.2 Accumulated depreciation and impairment losses 30 Sep 2026 -1.5 -174.4 -63.6 -0.1 -239.7 Carrying amount 1 Jan 2026 0.8 47.8 37.2 10.2 96.0 Carrying amount 30 Sep 2026 1.1 46.4 38.8 10.7 97.0 1-9/2025 Land and water, buildings and constructions Machinery and equipment Improvement to premises Other tangible assets and advances paid Total MEUR Acquisition cost 1 Jan 2025 2.3 196.6 80.8 7.7 287.4 Business combination - 0.0 0.0 - 0.0 Additions - 8.0 0.7 10.9 19.6 Disposals - -0.4 - - -0.4 Translation differences 0.0 0.1 0.0 0.0 0.2 Transfers between items - 0.6 2.1 -2.7 - Acquisition cost 30 Sep 2025 2.3 205.0 83.5 15.9 306.8 Accumulated depreciation and impairment losses 1 Jan 2025 -1.5 -148.4 -49.7 -0.1 -199.7 Depreciation -0.0 -10.9 -5.0 - -16.0 Impairment losses - -0.0 -0.0 - -0.0 Translation differences -0.0 -0.1 -0.0 - -0.1 Accumulated depreciation and impairment losses 30 Sep 2025 -1.5 -159.4 -54.8 -0.1 -215.8 Carrying amount 1 Jan 2025 0.8 48.2 31.1 7.5 87.7 Carrying amount 30 Sep 2025 0.8 45.6 28.8 15.8 91.0

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2025 Land and water, buildings and constructions Machinery and equipment Improvement to premises Other tangible assets and advances paid Total MEUR Acquisition cost 1 Jan 2025 2.3 196.6 80.8 7.7 287.4 Business combination - 0.0 0.0 - 0.0 Additions - 12.0 0.9 17.9 30.8 Disposals - -0.4 - - -0.4 Translation differences 0.0 0.2 0.0 0.0 0.3 Transfers between items - 2.9 12.3 -15.2 - Transfer to assets held for sale* - -0.6 -0.5 - -1.1 Acquisition cost 31 Dec 2025 2.3 210.7 93.5 10.3 316.9 Accumulated depreciation and impairment losses 1 Jan 2025 -1.5 -148.4 -49.7 -0.1 -199.7 Depreciation -0.0 -14.6 -6.8 - -21.5 Impairment losses - -0.0 -0.0 - -0.0 Translation differences -0,0 -0.2 -0.0 - -0.2 Transfer to assets held for sale* - 0.3 0.2 - 0.5 Accumulated depreciation and impairment losses 31 Dec 2025 -1.5 -162.8 -56.4 -0.1 -220.9 Carrying amount 1 Jan 2025 0.8 48.2 31.1 7.5 87.7 Carrying amount 31 Dec 2025 0.8 47.8 37.2 10.2 96.0 * Additional information regarding assets held for sale in note 16.

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12. Goodwill and intangible assets 1-9/2026 Goodwill Customer relationships Trademarks Other intangible assets and advances paid Total MEUR Acquisition cost 1 Jan 2026 964.1 166.4 88.8 190.1 1,409.5 Business combination 84.1 - 6.1 0.9 91.2 Additions - - - 19.3 19.3 Translation differences -2.1 -0.3 -0.1 -0.7 -3.2 Acquisition cost 30 Sep 2026 1,046.1 166.2 94.8 209.7 1,516.8 Accumulated amortisations and impairment losses 1 Jan 2026 -125.3 -159.1 -52.6 -153.5 -490.4 Amortisation - -0.8 -3.6 -13.0 -17.4 Translation differences - 0.2 0.1 0.5 0.7 Accumulated amortisations and impairment losses 30 Sep 2026 -125.3 -159.8 -56.0 -166.0 -507.1 Carrying amount 1 Jan 2026 838.8 7.4 36.3 36.7 919.2 Carrying amount 30 Sep 2026 920.8 6.4 38.8 43.7 1,009.7 1-9/2025 Goodwill Customer relationships Trademarks Other intangible assets and advances paid Total MEUR Acquisition cost 1 Jan 2025 954.7 167.5 88.6 168.6 1,379.5 Business combination 7.0 - - - 7.0 Additions - - - 12.4 12.4 Translation differences 1.6 0.2 0.1 0.5 2.4 Acquisition cost 30 Sep 2025 963.3 167.7 88.8 181.4 1,401.2 Accumulated amortisations and impairment losses 1 Jan 2025 -125.3 -158.4 -47.8 -136.6 -468.1 Amortisation - -1.3 -3.5 -12.5 -17.3 Translation differences - -0.1 -0.0 -0.3 -0.4 Accumulated amortisations and impairment losses 30 Sep 2025 -125.3 -159.8 -51.4 -149.4 -485.8 Carrying amount 1 Jan 2025 829.4 9.2 40.8 32.1 911.4 Carrying amount 30 Sep 2025 838.0 8.0 37.4 32.1 915.4

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2025 Goodwill Customer relationships Trademarks Other intangible assets and advances paid Total MEUR Acquisition cost 1 Jan 2025 954.7 167.5 88.6 168.6 1,379.5 Business combination 15.8 - - - 15.8 Additions - - - 20.8 20.8 Translation differences 2.6 0.3 0.2 0.8 3.9 Transfer to assets held for sale* -8.9 -1.4 - -0.0 -10.3 Acquisition cost 31 Dec 2025 964.1 166.4 88.8 190.1 1,409.5 Accumulated amortisations and impairment losses 1 Jan 2025 -125.3 -158.4 -47.8 -136.6 -468.1 Amortisation - -1.7 -4.7 -16.4 -22.8 Impairment losses -4.1 - - - -4.1 Translation differences - -0.1 -0.1 -0.4 -0.7 Transfer to assets held for sale* 4.1 1.2 - 0.0 5.2 Accumulated amortisations and impairment losses 31 Dec 2025 -125.3 -159.1 -52.6 -153.5 -490.4 Carrying amount 1 Jan 2025 829.4 9.2 40.8 32.1 911.4 Carrying amount 31 Dec 2025 838.8 7.4 36.3 36.7 919.2 * Additional information regarding assets held for sale and related impairments in note 16.

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13. Right-of-use-assets and lease liabilities 13.1 Right-of-use-assets 1-9/2026 Premises Other right-of-use assets Total MEUR Acquisition cost 1 Jan 2026 502.3 42.0 544.4 Business combination 10.6 0.1 10.7 Additions 22.6 2.3 24.9 Disposals -4.4 - -4.4 Translation differences -2.1 -0.1 -2.1 Acquisition cost 30 Sep 2026 529.0 44.4 573.4 Accumulated depreciation and impairment losses 1 Jan 2026 -315.0 -39.9 -354.9 Depreciation for the reporting period -36.2 -1.5 -37.7 Impairment losses -0.2 - -0.2 Translation differences 1.3 0.1 1.4 Accumulated depreciation and impairment losses 30 Sep 2026 -350.1 -41.3 -391.4 Carrying amount 1 Jan 2026 187.3 2.2 189.5 Carrying amount 30 Sep 2026 178.9 3.1 182.1 1-9/2025 Premises Other right-of-use assets Total MEUR Acquisition cost 1 Jan 2025 446.3 41.1 487.4 Business combination 0.1 - 0.1 Additions 40.2 0.2 40.5 Disposals -6.4 - -6.4 Translation differences 1.2 0.0 1.2 Transfers between items -0.2 0.2 - Acquisition cost 30 Sep 2025 481.2 41.5 522.8 Accumulated depreciation and impairment losses 1 Jan 2025 -266.9 -37.7 -304.7 Depreciation for the reporting period -36.9 -1.5 -38.5 Translation differences -0.7 -0.0 -0.7 Accumulated depreciation and impairment losses 30 Sep 2025 -304.5 -39.3 -343.8 Carrying amount 1 Jan 2025 179.4 3.3 182.7 Carrying amount 30 Sep 2025 176.7 2.2 179.0

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2025 Premises Other right-of-use assets Total MEUR Acquisition cost 1 Jan 2025 446.3 41.1 487.4 Business combination 0.1 - 0.1 Additions 68.3 0.7 69.0 Disposals -9.0 - -9.0 Translation differences 2.1 0.1 2.1 Transfers between items -0.2 0.2 - Transfer to assets held for sale* -5.3 - -5.3 Acquisition cost 31 Dec 2025 502.3 42.0 544.4 Accumulated depreciation and impairment losses 1 Jan 2025 -266.9 -37.7 -304.7 Depreciation for the reporting period -49.4 -2.1 -51.4 Translation differences -1.2 -0.0 -1.2 Transfer to assets held for sale* 2.4 - 2.4 Accumulated depreciation and impairment losses 31 Dec 2025 -315.0 -39.9 -354.9 Carrying amount 1 Jan 2025 179.4 3.3 182.7 Carrying amount 31 Dec 2025 187.3 2.2 189.5 * Additional information regarding assets held for sale in note 16.

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13.2 Lease liabilities 30 Sep 2026 Premises Other Total MEUR Non-current lease liabilities 144.0 2.4 146.5 Current lease liabilities 45.1 2.4 47.4 Total lease liabilities 189.1 4.8 193.9 30 Sep 2025 Premises Other Total MEUR Non-current lease liabilities 139.0 2.3 141.2 Current lease liabilities 45.5 2.2 47.7 Total lease liabilities 184.5 4.4 188.9 31 Dec 2025 Premises Other Total MEUR Non-current lease liabilities 154.4 2.1 156.5 Current lease liabilities 43.9 2.2 46.1 Transfers to liabilities directly associated with the assets held for sale* -2.9 - -2.9 Total lease liabilities 195.4 4.2 199.7 * Additional information regarding assets held for sale in note 16.

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14. Financial assets and liabilities – carrying amount, fair values and fair value hierarchy MEUR 30 Sep 2026 Financial assets and liabilities at fair value Financial assets and liabilities at amortised cost Carrying amount Fair value Fair value hierarchy Financial assets Non-current Loan receivables 0.0 - 0.0 0.0 Level 2 Unquoted equity investments 1.2 - 1.2 1.2 Level 3 Current Trade receivables - 103.0 103.0 103.0 Cash and cash equivalents - 70.0 70.0 70.0 Interest rate derivatives 3.6 - 3.6 3.6 Level 2 Total 4.8 173.0 177.8 177.8 Financial liabilities Non-current Loans from financial institutions - 321.5 321.5 321.5 Level 2 Bonds - 129.4 129.4 130.9 Level 1 Contingent considerations 2.3 - 2.3 2.3 Level 3 Current Loans from financial institutions - 72.2 72.2 72.2 Level 2 Trade payables - 38.6 38.6 38.6 Contingent considerations 5.2 - 5.2 5.2 Level 3 Interest rate derivatives 0.6 - 0.6 0.6 Level 2 Total 8.1 561.8 569.8 571.3 Financial assets and liabilities classified at fair value hierarchy level 3 consist of unquoted equity investments and contingent considerations from business combinations. The measurement of unquoted equity investments is based on the managements estimate of future cash flows arising from the investments and the measurement of contingent considerations is based on the amounts specified in purchase agreements and the management estimate on whether the consideration will be realised. The effect on earnings arising from the changes of fair values of financial assets and liabilities classified at fair value hierarchy level 3 has been EUR 0.1 (0.8) million. During the second quarter of the financial year, a tap issue of EUR 29.9 million was completed for the existing sustainability-linked unsecured bond maturing in 2028. As a result of the tap issue, the outstanding nominal amount of the bond increased from EUR 100 million to EUR 129.9 million. Loan agreements made during the second quarter of the financial year: - EUR 200 million bank loan is intended to finance the acquisition of Hohde Group, repay existing bank loans, and for general corporate purposes. EUR 100 million of the facility had been drawn by 30 September 2026. - EUR 350 million bank loan is intended to finance the acquisition of Silmäasema and is conditional upon the completion of the acquisition. No amount of the facility had been drawn by 30 September 2026. Additionally, during the second quarter of the financial year, an agreement was made to refinance the EUR 80 million revolving credit facility maturing in 2027 and to increase the facility limit to EUR 100 million.

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MEUR 31 Dec 2025 Financial assets and liabilities at fair value Financial assets and liabilities at amortised cost Carrying amount Fair value Fair value hierarchy Financial assets Non-current Loan receivables 0.0 - 0.0 0.0 Level 2 Unquoted equity investments 1.7 - 1.7 1.7 Level 3 Current Trade receivables - 103.0 103.0 103.0 Cash and cash equivalents - 75.2 75.2 75.2 Interest rate derivatives 3.8 - 3.8 3.8 Level 2 Total 5.4 178.2 183.7 183.7 Financial liabilities Non-current Loans from financial institutions - 232.8 232.8 232.8 Level 2 Bonds - 99.5 99.5 103.4 Level 1 Contingent considerations 4.8 - 4.8 4.8 Level 3 Current Loans from financial institutions - 48.8 48.8 48.8 Level 2 Trade payables - 47.1 47.1 47.1 Contingent considerations 2.8 - 2.8 2.8 Level 3 Interest rate derivatives 0.4 - 0.4 0.4 Level 2 Total 8.0 428.2 436.2 440.1

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15. Business Combinations and investments to Joint Ventures 15.1 Business Combinations 2026 During the review period ended 30 September 2026, the Group has made one corporate acquisition. Acquisition of Hohde Group Oy group On 4 September 2026 Terveystalo Healthcare Oy acquired 100 percent of the dental and dental laboratory services provider Hohde Group Oy. Hohde Group consists of the parent company, Hohde Group Oy, and its ten subsidiaries. Hohde Group is one of Finland's fastest growing and largest private providers of dental and dental laboratory services. The company has a nationwide service network comprising 33 dental clinics and 14 dental laboratories across 24 locations. Hohde Group employs approximately 770 oral healthcare professionals and, in 2024, served approximately 70,000 dental care customers and 2,100 laboratory service customers. Hohde Group is recognised as a high-quality service provider known for strong customer and employee satisfaction. For Terveystalo, Hohde, and Loisto customers, this arrangement would provide access to comprehensive, high-quality oral health services across Finland. Additionally, the acquisition will support the ongoing development of digital oral health services, ensuring a seamless customer experience. At Terveystalo, oral health is an essential part of disease prevention, comprehensive health maintenance and effective implementation of care pathways. Terveystalo aimed to double its oral health business with the acquisition and become one of Finland's leading oral health companies. The realised arrangement supports this growth strategy. The following tables summarize the consideration transferred, acquisition date preliminary fair values of the assets acquired and liabilities assumed and the cash flow impact of the acquisition. Consideration transferred MEUR Purchase price, payable in cash 66.4 Total consideration transferred 66.4 Identifiable assets acquired and liabilities assumed and goodwill MEUR Property, plant and equipment 4.1 Right-of-use assets 9.6 Intangible assets 7.1 Other non-current assets 0.0 Inventories 1.2 Trade and other receivables 3.0 Cash and cash equivalents 0.2 Financial liabilities -22.7 Lease liabilities -9.6 Deferred tax liabilities -1.2 Trade and other liabilities -8.6 Total identifiable net assets acquired -16.9 Goodwill 83.2 Cash flow impact of the acquisition MEUR Cash paid 66.4 Less: cash and cash equivalents acquired -0.2 Cash flow impact at the acquisition date 66.1

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The accounting for the business combination is provisional at the reporting date. The fair value measurement of the assets acquired and the liabilities assumed is partly ongoing at the reporting date and are subject to adjustments until the valuation is finalized. Trademarks related to intangible assets were recognized in the preliminary determination of fair values and the combined preliminary fair value of these assets was measured at EUR 6.1 million. A deferred tax liability of EUR 1.2 million was recognized for the beforementioned assets. The fair values of trademarks have been determined through the use of income approach which requires an estimate or forecast of expected future cash flows. The acquisition resulted preliminary in a goodwill amounting to EUR 83.2 million. The goodwill is attributable to synergies expected to be achieved and to skills of the workforce. The recognized goodwill is not tax-deductible. The fair value of the acquired trade and other receivables amounted to EUR 3.0 million which materially corresponds their carrying amount and for which the risk of impairment has been deemed as non-significant. The Group has incurred acquisition-related expenses of EUR 3.1 million related to transfer tax, consulting, valuation or equivalent services. The expenses have been included in other operating expenses. The revenue recognized from the acquisition during the nine months ended 30 September 2026 was EUR 5.5 million and the impact to the result of the period was EUR 0.1 million. If the acquisition had occurred on 1 January 2026, management estimates that the Group’s consolidated revenue during the nine months ended 30 September 2026 would have been EUR 901.4 million and the consolidated result for the period would have been EUR 34.1 million. Adjustments to previous financial years business combinations During the review period ended 30 September 2026, effect to goodwill arising from business combinations made in year 2025 was EUR 0.8 million. The cash flow effect from business combinations made in previous financial years was EUR -2.9 million due to adjustments to purchase prices and additional purchase prices paid. 15.2 Business Combinations 2025 During the year 2025, the Group made three corporate acquisitions. On 30 April 2025, Terveystalo Healthcare Oy acquired 100 per cent of the dental health services provider Veikkolan Hammaslääkäriasema Oy. On 30 May 2025, Terveystalo Healthcare Oy acquired 100 per cent of the mental health services provider Recuror Oy. On 31 December 2025, Terveystalo Healthcare Oy acquired 100 per cent of the ophthalmology services providers Silmäsairaala Pilke Oy and Turun Silmälaser Oy. The consideration transferred for the corporate acquisition was EUR 15.8 million. As a result of the business combination, a preliminary goodwill amounting to EUR 15.3 million was recognized. The goodwill is attributable to skills of the workforce and synergies expected to be achieved. The recognized goodwill is not tax-deductible. Cashflow impact of the acquisition made during 2025 was EUR -9.5 million. The fair value of the acquired trade and other receivables amounted to EUR 0.5 million, for which the risk of impairment has been deemed as non-significant. The Group has incurred acquisition related expenses of EUR 0.4 million related to transfer tax, consulting, valuation or equivalent services. The expenses have been included in other operating expenses. The contributed revenue recognized from the acquisitions during the year 2025 was EUR 2.1 million and loss was EUR 0.2 million. If the acquisition had occurred on 1 January 2025, management estimates that the Group’s consolidated revenue during the year 2025 would have been EUR 1,280.8 million and the consolidated result for the period would have been EUR 92.9 million.

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During the year 2025, effect to goodwill arising from corporate and business acquisitions made in year 2024 was EUR 0.4 million. The cash flow effect from corporate and business acquisitions made in previous financial years was EUR -1.2 million due to adjustments to purchase prices and additional purchase prices paid. 15.3 Investments to Joint Ventures 2025 Terveystalo joined a consortium in September 2025, which through a jointly owned company acquired the shares in MedHelp Care Aktiebolag AB. MedHelp is a Swedish technology company that offers an AI-based health service platform for corporate clients in Sweden. The company provides management of sick leave, health consultations, early disease detection using AI, rehabilitation support, and sick leave reporting for employers. MedHelp also offers a white-label product for partners providing occupational health services. Terveystalo will gradually integrate MedHelp's platform into the digital offering of Terveystalo's occupational health services in Finland. Terveystalo's subsidiary Feelgood will continue to provide services to its occupational health clients in Sweden under the Frisklinjen brand. Terveystalo's ownership stake in the arrangement is approximately 25 per cent, but Terveystalo has contractual rights under which the joint arrangement is interpreted as having joint control and thus the arrangement is treated as a joint venture. The investment in the joint venture is accounted for using the equity method.

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16. Assets held for sale On 19 December 2025, Terveystalo signed an agreement to sell child welfare services business (Sauma Lastensuojelupalvelut Oy) to Validia Oy. As of the balance sheet date on 31 December 2025, the sale of the child welfare services business has met the classification criteria of IFRS 5 and consequently Terveystalo classified the assets and liabilities of the child welfare services business as held for sale. At the same time, the net assets of t he business have been valued to reflect the fair value less costs to sell. As a result of the revaluation, an impairment of EUR 4.1 million was recorded against the goodwill allocated to child welfare services business in financial year 2025. The child welfare services business was reported as part of the Portfolio Businesses segment, to which the assets held for sale and liabilities belonged. The assets and liabilities of the child welfare services business are classified as held for sale and presented separately in the consolidated balance sheet as of the balance sheet date on 31 December 2025. Their carrying values were as follows: Goodwill EUR 4.9 million, non -current assets EUR 3.7 million, current assets EUR 1.5 million, non -current liabilities EUR 2.4 million, and current liabilities EUR 2.1 million. The completion of the transaction was conditional upon approval from the Finnish Competition and Consumer Authority, which was obtained in January 2026. The transaction has been completed in January 2026. 17. Collateral and other contingent liabilities MEUR 30 Sep 2026 30 Sep 2025 31 Dec 2025 Business mortgages 5.2 0.7 0.7 Total 5.2 0.7 0.7 Securities for own debts Deposits 0.1 0.2 0.1 Guarantees 0.8 0.3 0.4 Total 0.9 0.5 0.5 As part of the regular development and maintenance of the network of clinics and hospitals, the Group continuously enters into lease agreements related to operational activities. The lease term lengths vary from one year to 20 years. The transfer of lease management may occur in the future, at which point the lease liability is recorded at the moment of the transfer of management. On 8 June 2026, Terveystalo signed an agreement to acquire 100 percent of the shares in Silmäasema Oy. The purchase price, cash- and debt-free, is approx. EUR 574 million, consisting of an initial cash payment of EUR 275 million and 36.5 million new shares in Terveystalo valued at the closing share price of Terveystalo on 5 June 2026 of EUR 8.20 per share. The completion of the Transaction is subject to customary regulatory approvals and is expected by the end of 2026 or in the first quarter of 2027. On 4 September 2026, Terveystalo Healthcare Oy signed an agreement to acquire 100 per cent of the shares in Solo Health Group. The completion of the transaction is subject to approval by the Finnish Competition and Consumer Authority and is expected to take place during the first half of 2027.

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18. Group's key financial ratios MEUR unless stated otherwise 7-9/2026 7-9/2025 Change, % 1-9/2026 1-9/2025 Change, % 2025 Revenue 262.9 280.4 -6.2 864.4 948.9 -8.9 1,278.9 Adjusted EBITDA, * 1) 42.2 50.8 -16.8 150.5 183.1 -17.8 252.2 Adjusted EBITDA, % * 1) 16.1 18.1 - 17.4 19.3 - 19.7 EBITDA 1) 2) 38.2 49.4 -22.7 137.6 177.0 -22.2 237.5 EBITDA, % 1) 14.5 17.6 - 15.9 18.7 - 18.6 Adjusted EBITA * 1) 23.6 32.4 -27.0 95.0 128.6 -26.2 179.3 Adjusted EBITA, % * 1) 9.0 11.5 - 11.0 13.6 - 14.0 EBITA 1) 19.6 31.0 -36.8 82.1 122.5 -33.0 164.6 EBITA, % 1) 7.5 11.1 - 9.5 12.9 - 12.9 Adjusted operating profit (EBIT) * 1) 17.8 26.8 -33.6 77.6 111.3 -30.3 156.3 Adjusted operating profit (EBIT), % * 1) 6.8 9.5 - 9.0 11.7 - 12.2 Operating profit (EBIT) 1) 13.7 25.4 -45.9 63.5 105.2 -39.6 137.5 Operating profit (EBIT), % 1) 5.2 9.1 - 7.4 11.1 - 10.8 Return on equity (ROE) (LTM), % 1) - - - 10.2 16.4 - 16.4 Equity ratio, % 1) - - - 35.4 39.6 - 40.7 Adjusted earnings per share, EUR * 1) 0.08 0.14 -45.8 0.40 0.61 -35.2 0.88 Earnings per share, EUR 0.04 0.13 -66.2 0.29 0.57 -49.3 0.73 Weighted average number of shares outstanding, in thousands 126,809 126,655 - 126,775 126,644 - 126,647 Net debt 1) - - - 647.1 500.5 29.3 505.5 Gearing, % 1) - - - 120.6 89.1 - 86.5 Net debt/EBITDA (LTM) 1) - - - 3.3 2.1 - 2.1 Net debt/Adjusted EBITDA (LTM) * 1) - - - 2.9 2.0 - 2.0 Total assets - - - 1,519.7 1,421.4 6.9 1,441.1 Adjusted EBITDA (LTM), excluding IFRS 16 * 1) - - - 163.5 195.3 -16.3 196.5 Net debt, excluding IFRS 16 1) - - - 453.2 311.6 45.5 305.9 Net debt/Adjusted EBITDA (LTM), excluding IFRS 16 * 1) - - - 2.8 1.6 - 1.6 Average personnel (FTEs) 2) - - - 5,107 5,576 -8.4 5,526 Personnel (end of period) 3) - - - 8,111 8,566 -5.3 8,356 Non-employees (end of period) 3) - - - 6,268 6,029 4.0 6,017 * Adjustments are material items outside the ordinary course of business and these relate to acquisition-related expenses, restructuring-related expenses, gains and losses on sale of assets (net), impairment losses, strategic projects and other items affecting comparability. 1) Alternative performance measure. Terveystalo presents alternative performance measures as additional information to financial measures defined in IFRS. Those are performance measures that the company monitors internally, and they provide management, investors, securities analysts and other parties with significant additional information regarding the company's results of operations, financial position and cash flows. These should not be considered in isolation or as a substitute to the measures under IFRS. 2) Financial years 2026 and 2025 do not include Medimar Scandinavia Ab, Cityläkarna Mariehamn Ab (merged to Medimar Scandinavia Ab 31.3.2026),Turun Silmälaser Oy and Silmäsairaala Pilke Oy. Recuror Oy and Veikkolan hammaslääkäriasema Oy are included since the merger to Suomen Terveystalo Oy in financial year 2025. 3) Financial year 2025 does not include Turun Silmälaser Oy and Silmäsairaala Pilke Oy which were acquired 31.12.2025.

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19. Calculation of financial ratios and alternative performance measures Financial ratios Earnings per share, (EUR) = Profit for the period attributable to owners of the parent company Average number of shares during the period Terveystalo presents alternative performance measures as additional information to the financial measures defined in IFRS. Those are performance measures that the company monitors internally and they provide significant additional information related to the company's results of operations, financial position and cash flows to the management, investors, securities analysts and other parties. These should not be considered in isolation or as a substitute to the measures under IFRS. Alternative performance measures Adjusted earnings per share, (EUR) * = Profit for the period attributable to owners of the parent company + adjustments Average number of shares during the period Alternative performance measures to the statement of financial position The company presents the following alternative performance measures to the statement of financial position as they are, in the company's view, useful indicators of the company's ability to obtain financing and service its debt. Return on equity, % = Profit/loss for the period (LTM) x 100% Equity (including non-controlling interest) (average) Equity ratio, % = Equity (including non-controlling interest) x 100% Total assets - advances received Gearing, % = Interest-bearing liabilities - interest-bearing receivables and cash and cash equivalents x 100% Equity Net debt/EBITDA (LTM) = Interest-bearing liabilities - interest-bearing receivables and cash and cash equivalents EBITDA (LTM) Net debt/Adjusted EBITDA (LTM) * = Interest-bearing liabilities - interest-bearing receivables and cash and cash equivalents Adjusted EBITDA (LTM) Net debt/Adjusted EBITDA (LTM), excluding IFRS 16 * = Interest-bearing liabilities excluding lease liabilities - interest-bearing receivables and cash and cash equivalents Adjusted EBITDA (LTM), excluding IFRS 16 Alternative performance measures to the statement of income The company presents the following alternative performance measures to the statement of income, as in the company's view, they increase understanding of the company's results of operations. In addition, the adjusted alternative performance measures are widely used by analysts, investors and other parties and facilitates comparability between periods.

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Adjusted EBITDA* = Earnings Before Interest, Taxes, Depreciation, Amortisation, Impairment losses and adjustments Adjusted EBITDA, %* = Earnings Before Interest, Taxes, Depreciation, Amortisation, Impairment losses and adjustments x 100% Revenue Adjusted EBITA* = Earnings Before Interest, Taxes, Amortisation, Impairment losses and adjustments Adjusted EBITA, %* = Earnings Before Interest, Taxes, Amortisation, Impairment losses and adjustments x 100% Revenue Adjusted operating profit (EBIT)* = Earnings Before Interest, Taxes and Share of profits in associated companies, and adjustments Adjusted operating profit (EBIT), %* = Earnings Before Interest, Taxes and Share of profits in associated companies, and adjustments x 100% Revenue EBITDA = Earnings Before Interest, Taxes, Depreciation and Amortisation and Impairment losses EBITDA, % = Earnings Before Interest, Taxes, Depreciation and Amortisation and Impairment losses x 100% Revenue EBITA = Earnings Before Interest, Taxes, Amortisation and Impairment losses EBITA, % = Earnings Before Interest, Taxes, Amortisation and Impairment losses x 100% Revenue Operating profit (EBIT) = Earnings Before Interest, Taxes and Share of profits in associated companies Operating profit (EBIT), % = Earnings Before Interest, Taxes and Share of profits in associated companies x 100% Revenue Adjusted EBITDA, excluding IFRS 16 * = Earnings Before Interest, Taxes, Depreciation, Amortisation, Impairment losses and adjustments, excluding IFRS 16 lease adjustments * Adjustments are material items outside the ordinary course of business and these relate to acquisition-related expenses, restructuring-related expenses, gains and losses on sale of assets (net), impairment losses strategic projects and other items affecting comparability.

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20. Reconciliation of alternative performance measures Adjusted EBITDA, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Income tax expense 2.7 4.1 10.8 17.6 23.5 Share of profit in joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 Depreciation, amortisation and impairment losses 24.5 24.0 74.1 71.8 100.0 Adjustments* 4.0 1.4 12.9 6.1 14.7 Adjusted EBITDA 42.2 50.8 150.5 183.1 252.2 Adjusted EBITDA, % 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Adjusted EBITDA 42.2 50.8 150.5 183.1 252.2 Revenue 262.9 280.4 864.4 948.9 1,278.9 Adjusted EBITDA, % 16.1 18.1 17.4 19.3 19.7 EBITDA, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Income tax expense 2.7 4.1 10.8 17.6 23.5 Share of profit in joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 Depreciation, amortisation and impairment losses 24.5 24.0 74.1 71.8 100.0 EBITDA 38.2 49.4 137.6 177.0 237.5 EBITDA, % 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 EBITDA 38.2 49.4 137.6 177.0 237.5 Revenue 262.9 280.4 864.4 948.9 1,278.9 EBITDA, % 14.5 17.6 15.9 18.7 18.6 Adjusted EBITA, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Income tax expense 2.7 4.1 10.8 17.6 23.5 Share of profit in joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 Amortisation and impairment losses 5.9 5.6 18.6 17.3 27.1 Adjustments* 4.0 1.4 12.9 6.1 14.7 Adjusted EBITA 23.6 32.4 95.0 128.6 179.3 Adjusted EBITA, % 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Adjusted EBITA 23.6 32.4 95.0 128.6 179.3 Revenue 262.9 280.4 864.4 948.9 1,278.9 Adjusted EBITA, % 9.0 11.5 11.0 13.6 14.0

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EBITA, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Income tax expense 2.7 4.1 10.8 17.6 23.5 Share of profit in joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 Amortisation and impairment losses 5.9 5.6 18.6 17.3 27.1 EBITA 19.6 31.0 82.1 122.5 164.6 EBITA, % 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 EBITA 19.6 31.0 82.1 122.5 164.6 Revenue 262.9 280.4 864.4 948.9 1,278.9 EBITA, % 7.5 11.1 9.5 12.9 12.9 Adjusted operating profit (EBIT), MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Income tax expense 2.7 4.1 10.8 17.6 23.5 Share of profit in joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 Adjustments* 4.0 1.4 14.0 6.1 18.8 Adjusted operating profit (EBIT) 17.8 26.8 77.6 111.3 156.3 Adjusted operating profit, (EBIT), % 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Adjusted operating profit (EBIT) 17.8 26.8 77.6 111.3 156.3 Revenue 262.9 280.4 864.4 948.9 1,278.9 Adjusted operating profit (EBIT), % 6.8 9.5 9.0 11.7 12.2 Operating profit (EBIT), MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Income tax expense 2.7 4.1 10.8 17.6 23.5 Share of profit in joint ventures 0.1 - 0.2 - 0.2 Net finance expenses 5.5 5.1 16.1 15.9 21.2 EBIT 13.7 25.4 63.5 105.2 137.5 Operating profit, (EBIT), % 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 EBIT 13.7 25.4 63.5 105.2 137.5 Revenue 262.9 280.4 864.4 948.9 1,278.9 EBIT, % 5.2 9.1 7.4 11.1 10.8 Return on equity (LTM), % 30 Sep 26 30 Sep 25 31 Dec 25 Profit/loss for the period (LTM) 57.3 90.8 92.6 Equity (including non-controlling interest) (average) 560.4 555.0 566.2 Return on equity, % 10.2 16.4 16.4 Equity ratio, % 30 Sep 26 30 Sep 25 31 Dec 25 Equity (including non-controlling interest) 536.6 561.8 584.2 Total assets 1,519.7 1,421.4 1,441.1 Advances received 3.2 2.9 6.5 Equity ratio, % 35.4 39.6 40.7 Adjusted earnings per share, EUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025

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Profit (loss) for the period 5.5 16.2 36.4 71.8 92.6 Adjustments* (EBIT) 4.0 1.4 14.0 6.1 18.7 Average number of shares during the period, in thousands 126,809 126,655 126,775 126,644 126,647 Adjusted earnings per share, EUR 0.08 0.14 0.40 0.61 0.88 Gearing, % 30 Sep 26 30 Sep 25 31 Dec 25 Interest-bearing liabilities 717.1 579.9 583.7 Interest-bearing receivables and cash and cash equivalents 70.0 79.4 75.7 Equity 536.6 561.8 584.2 Gearing, % 120.6 89.1 87.0 Net debt/EBITDA (LTM) 30 Sep 26 30 Sep 25 31 Dec 25 Interest-bearing liabilities 717.1 579.9 583.7 Interest-bearing receivables and cash and cash equivalents 70.0 79.4 75.7 EBITDA (LTM) 198.1 237.2 237.5 Net debt/EBITDA (LTM) 3.3 2.1 2.1 Net debt/Adjusted EBITDA (LTM) 30 Sep 26 30 Sep 25 31 Dec 25 Interest-bearing liabilities 717.1 579.9 583.7 Interest-bearing receivables and cash and cash equivalents 70.0 79.4 75.7 Adjusted EBITDA (LTM) 219.6 250.3 252.2 Net debt/Adjusted EBITDA (LTM) 2.9 2.0 2.0 Adjusted EBITDA (LTM), excluding IFRS 16 30 Sep 26 30 Sep 25 31 Dec 25 Profit (loss) for the period 57.3 90.8 92.6 Income tax expense 16.8 22.8 24.0 Share of profit in joint ventures 0.4 - 0.2 Net finance expenses 21.4 22.6 20.7 Depreciation, amortisation and impairment losses 102.3 101.1 100.0 Adjustments* 20.0 14.1 14.7 IFRS 16 lease expense adjustment -54.6 -55.9 -55.7 Adjusted EBITDA (LTM), excluding IFRS 16 163.5 195.3 196.5 Net debt/Adjusted EBITDA (LTM), excluding IFRS 16 30 Sep 26 30 Sep 25 31 Dec 25 Interest-bearing liabilities 523.2 403.4 381.1 Interest-bearing receivables and cash and cash equivalents 70.0 53.4 75.7 Adjusted EBITDA (LTM) 163.5 182.5 196.5 Net debt/Adjusted EBITDA (LTM), excluding IFRS 16 2.8 1.9 1.6 Adjustments*, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Acquisition-related expenses 1) 3.8 0.1 4.2 -0.3 -0.1 Restructuring-related expenses 2) 0.2 0.2 1.6 0.3 1.1 Gains and losses on sale of assets, net 3) 0.0 - 1.5 -0.1 -0.1 Impairment losses - - 1.1 - 4.1 Strategic projects and other items affecting to comparability - 1.0 5.6 6.2 13.9 Adjustments 4.0 1.4 14.0 6.1 18.8

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Adjustments by segments (EBITA) *, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Healthcare services 0.2 1.7 4.1 1.8 4.6 Portfolio businesses 0.5 0.0 1.0 0.3 0.5 Sweden - 0.1 0.2 2.1 5.6 Other 3.4 -0.4 7.6 2.0 4.0 Total 4.0 1.4 12.9 6.1 14.7 Adjustments by segments (EBIT) **, MEUR 7-9/2026 7-9/2025 1-9/2026 1-9/2025 1-12/2025 Healthcare services 0.2 1.7 5.2 1.8 4.6 Portfolio businesses 0.5 0.0 1.0 0.3 0.5 Sweden - 0.1 0.2 2.1 5.6 Other 3.4 -0.4 7.6 2.0 8.1 Total 4.0 1.4 14.0 6.1 18.8 * Adjustments are material items outside the ordinary course of business and these relate to acquisition-related expenses, restructuring-related expenses, gains and losses on sale of assets (net), strategic projects, impairment losses and other items affecting comparability. ** The adjustments during the reporting period 1.1.-30.9.2026 in the Healthcare Services -segment are mainly related to a development program (EUR 2.8 million) and impairment of improvement to premises (EUR 1.1 million). The adjustments in the Healthcare Services -segment in the financial year 2025 (EUR 3.2 million) are mainly related to a development program. The adjustments in the Other section in the third quarter are mainly related to corporate acquisitions including transfer taxes (EUR 3.1 million). During the reporting period 1.1.-30.9.2026 the adjustments in the Other section are mainly related to corporate acquisitions including transfer taxes (EUR 3.1 million), profit improvement programs (EUR 2.6 million) and the sale of the child welfare services business (EUR 1.5 million). The adjustments in the Other section in the financial year 2025 are mainly related to profit improvement programs (EUR 2.9 million), an impairment of goodwill in the child welfare services business (EUR 4.1 million), and a partial tax audit related to value-added taxation (EUR 1.8 million) at the time of the financial statements, which has since been completed. The adjustments in the Other section also include the recognition of contingent additional purchase prices in the financial year 2025 (EUR -0.9 million). In the reporting period 1.1.-30.9.2026 and in the financial year 2025, the adjustments in the Sweden -segment are related to a profit improvement program. 1) Including transaction costs and expenses from integration of acquired businesses. 2) Including restructuring of network and business operations. 3) Including sales of business operations.

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Terveystalo Plc Interim Report January– September 2026 Weak demand weighed on earnings, Hohde acquisition strengthened the oral health business

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