United Bankers Oyj (HEL:UNITED)
 17.95
 -0.40 (-2.18%)
  Oct 30, 2025, 4:36 PM EET
United Bankers Oyj Income Statement
Financials in millions EUR. Fiscal year is January - December.
 Millions EUR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 | 
|---|---|---|---|---|---|---|---|
| Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 | 
| Interest and Dividend Income | 2.31 | 2.54 | 2.23 | 0.29 | 0.09 | 0.07 | Upgrade  | 
| Total Interest Expense | 1.09 | 1.42 | 1.31 | 0.17 | 0.14 | 0.14 | Upgrade  | 
| Net Interest Income | 1.22 | 1.12 | 0.92 | 0.12 | -0.05 | -0.07 | Upgrade  | 
| Brokerage Commission | 54.58 | 58.59 | 49.1 | 48.33 | 43.31 | 33.97 | Upgrade  | 
| Trading & Principal Transactions | 1.15 | 0.8 | 0.71 | -0.16 | 0.4 | 0.14 | Upgrade  | 
| Other Revenue | 0.17 | 0.18 | 0.07 | 0.08 | 0.02 | 0.02 | Upgrade  | 
| Revenue Before Loan Losses | 57.13 | 60.68 | 50.8 | 48.37 | 43.68 | 34.06 | Upgrade  | 
| Provision for Loan Losses | 0.05 | - | -0.01 | -0 | -0.03 | 0.01 | Upgrade  | 
| 57.08 | 60.68 | 50.81 | 48.37 | 43.71 | 34.05 | Upgrade  | |
| Revenue Growth (YoY) | -3.04% | 19.43% | 5.04% | 10.67% | 28.37% | 5.40% | Upgrade  | 
| Salaries & Employee Benefits | 21.23 | 20.99 | 19.01 | 17.51 | 16.25 | 13.97 | Upgrade  | 
| Cost of Services Provided | 13.24 | 13 | 12.12 | 12.03 | 10.69 | 9.42 | Upgrade  | 
| Other Operating Expenses | 0.83 | 0.59 | 0.39 | 0.36 | 0.51 | 0.7 | Upgrade  | 
| Total Operating Expenses | 38.41 | 37.3 | 33.73 | 31.83 | 29.39 | 25.79 | Upgrade  | 
| Operating Income | 18.67 | 23.38 | 17.08 | 16.55 | 14.32 | 8.27 | Upgrade  | 
| Other Non-Operating Income (Expenses) | 0 | - | -0 | 0 | 0 | 0.08 | Upgrade  | 
| EBT Excluding Unusual Items | 18.67 | 23.38 | 17.08 | 16.55 | 14.32 | 8.35 | Upgrade  | 
| Other Unusual Items | - | - | -0.11 | -0.04 | - | - | Upgrade  | 
| Pretax Income | 18.67 | 23.38 | 16.97 | 16.51 | 14.32 | 8.35 | Upgrade  | 
| Income Tax Expense | 3.77 | 4.94 | 3.13 | 3.64 | 3.11 | 1.83 | Upgrade  | 
| Earnings From Continuing Ops. | 14.9 | 18.44 | 13.84 | 12.87 | 11.21 | 6.52 | Upgrade  | 
| Minority Interest in Earnings | -0.33 | -0.4 | -0.55 | -0.33 | -0.86 | -0.29 | Upgrade  | 
| Net Income | 14.57 | 18.04 | 13.29 | 12.54 | 10.35 | 6.23 | Upgrade  | 
| Net Income to Common | 14.57 | 18.04 | 13.29 | 12.54 | 10.35 | 6.23 | Upgrade  | 
| Net Income Growth | -20.06% | 35.77% | 5.98% | 21.19% | 65.98% | 41.01% | Upgrade  | 
| Shares Outstanding (Basic) | 11 | 11 | 11 | 11 | 10 | 10 | Upgrade  | 
| Shares Outstanding (Diluted) | 11 | 11 | 11 | 11 | 11 | 11 | Upgrade  | 
| Shares Change (YoY) | 0.84% | 1.79% | 0.00% | 2.60% | 0.12% | 3.28% | Upgrade  | 
| EPS (Basic) | 1.33 | 1.66 | 1.24 | 1.19 | 1.00 | 0.60 | Upgrade  | 
| EPS (Diluted) | 1.32 | 1.64 | 1.23 | 1.16 | 0.98 | 0.59 | Upgrade  | 
| EPS Growth | -21.05% | 33.33% | 6.03% | 18.37% | 66.10% | 37.21% | Upgrade  | 
| Free Cash Flow | 9.99 | 28.72 | 9.73 | 7.88 | 11.59 | 7.73 | Upgrade  | 
| Free Cash Flow Per Share | 0.91 | 2.62 | 0.90 | 0.73 | 1.10 | 0.74 | Upgrade  | 
| Dividend Per Share | 1.100 | 1.100 | 1.000 | 0.900 | 0.700 | 0.510 | Upgrade  | 
| Dividend Growth | 10.00% | 10.00% | 11.11% | 28.57% | 37.26% | 18.61% | Upgrade  | 
| Operating Margin | 32.71% | 38.53% | 33.62% | 34.21% | 32.76% | 24.27% | Upgrade  | 
| Profit Margin | 25.53% | 29.73% | 26.15% | 25.92% | 23.67% | 18.31% | Upgrade  | 
| Free Cash Flow Margin | 17.50% | 47.33% | 19.14% | 16.28% | 26.52% | 22.69% | Upgrade  | 
| Effective Tax Rate | 20.21% | 21.14% | 18.44% | 22.02% | 21.71% | 21.87% | Upgrade  | 
| Revenue as Reported | 58.22 | 62.11 | 52.15 | 48.56 | 43.83 | 34.36 | Upgrade  | 
Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.