United Bankers Oyj (HEL: UNITED)

United Bankers Oyj Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	2.5	2.23	0.29	0.09	0.07	0.05
Total Interest Expense	1.55	1.31	0.17	0.14	0.14	0.14
Net Interest Income	0.96	0.92	0.12	-0.05	-0.07	-0.09
Brokerage Commission	56.97	49.1	48.33	43.31	33.97	31.82
Trading & Principal Transactions	0.86	0.71	-0.16	0.4	0.14	0.53
Other Revenue	0.08	0.07	0.08	0.02	0.02	0.02
Revenue Before Loan Losses	58.87	50.8	48.37	43.68	34.06	32.29
Provision for Loan Losses	-0	-0.01	-0	-0.03	0.01	-0.02
Revenue	58.87	50.81	48.37	43.71	34.05	32.31
Revenue Growth (YoY)	19.28%	5.04%	10.67%	28.37%	5.40%	12.22%
Salaries & Employee Benefits	19.89	19.01	17.51	16.25	13.97	13.97
Cost of Services Provided	12.65	12.12	12.03	10.69	9.42	9.9
Other Operating Expenses	0.39	0.39	0.36	0.51	0.7	0.78
Total Operating Expenses	35.27	33.73	31.83	29.39	25.79	26.4
Operating Income	23.6	17.08	16.55	14.32	8.27	5.9
Other Non-Operating Income (Expenses)	-0	-	0	0	0.08	0.03
EBT Excluding Unusual Items	23.6	17.08	16.55	14.32	8.35	5.93
Other Unusual Items	-0.11	-0.11	-0.04	-	-	-
Pretax Income	23.49	16.97	16.51	14.32	8.35	5.93
Income Tax Expense	4.56	3.13	3.64	3.11	1.83	1.52
Earnings From Continuing Ops.	18.93	13.84	12.87	11.21	6.52	4.41
Minority Interest in Earnings	-0.7	-0.55	-0.33	-0.86	-0.29	0.01
Net Income	18.23	13.29	12.54	10.35	6.23	4.42
Net Income to Common	18.23	13.29	12.54	10.35	6.23	4.42
Net Income Growth	47.82%	5.98%	21.18%	65.98%	41.01%	2.36%
Shares Outstanding (Basic)	11	11	11	10	10	10
Shares Outstanding (Diluted)	11	11	11	11	11	10
Shares Change (YoY)	0.41%	0.00%	2.60%	0.12%	3.28%	2.01%
EPS (Basic)	1.69	1.24	1.19	1.00	0.60	0.44
EPS (Diluted)	1.67	1.23	1.16	0.98	0.59	0.43
EPS Growth	46.72%	6.03%	18.37%	66.10%	37.21%	0%
Free Cash Flow	26.62	9.73	7.88	11.59	7.73	5.86
Free Cash Flow Per Share	2.45	0.90	0.73	1.10	0.74	0.58
Dividend Per Share	1.000	1.000	0.900	0.700	0.510	0.430
Dividend Growth	11.11%	11.11%	28.57%	37.25%	18.60%	4.88%
Operating Margin	40.09%	33.61%	34.21%	32.76%	24.27%	18.28%
Profit Margin	30.96%	26.15%	25.92%	23.67%	18.31%	13.68%
Free Cash Flow Margin	45.22%	19.14%	16.28%	26.52%	22.69%	18.13%
Effective Tax Rate	19.41%	18.44%	22.02%	21.71%	21.87%	25.55%
Revenue as Reported	60.43	52.15	48.56	43.83	34.36	32.48

Source: S&P Capital IQ. Capital Markets template. Financial Sources.