United Bankers Oyj (HEL:UNITED)

United Bankers Oyj Income Statement

Financials in millions EUR. Fiscal year is January - December.

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

Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.