United Bankers Oyj (HEL:UNITED)

United Bankers Oyj Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	2.54	2.23	0.29	0.09	0.07
Total Interest Expense	1.42	1.31	0.17	0.14	0.14
Net Interest Income	1.12	0.92	0.12	-0.05	-0.07
Brokerage Commission	58.59	49.1	48.33	43.31	33.97
Trading & Principal Transactions	0.8	0.71	-0.16	0.4	0.14
Other Revenue	0.18	0.07	0.08	0.02	0.02
Revenue Before Loan Losses	60.68	50.8	48.37	43.68	34.06
Provision for Loan Losses	-	-0.01	-0	-0.03	0.01
Revenue	60.68	50.81	48.37	43.71	34.05
Revenue Growth (YoY)	19.43%	5.04%	10.67%	28.37%	5.40%
Salaries & Employee Benefits	20.99	19.01	17.51	16.25	13.97
Cost of Services Provided	12.73	12.12	12.03	10.69	9.42
Other Operating Expenses	0.85	0.39	0.36	0.51	0.7
Total Operating Expenses	37.3	33.73	31.83	29.39	25.79
Operating Income	23.38	17.08	16.55	14.32	8.27
Other Non-Operating Income (Expenses)	-	-	0	0	0.08
EBT Excluding Unusual Items	23.38	17.08	16.55	14.32	8.35
Other Unusual Items	-	-0.11	-0.04	-	-
Pretax Income	23.38	16.97	16.51	14.32	8.35
Income Tax Expense	4.94	3.13	3.64	3.11	1.83
Earnings From Continuing Ops.	18.44	13.84	12.87	11.21	6.52
Minority Interest in Earnings	-0.4	-0.55	-0.33	-0.86	-0.29
Net Income	18.04	13.29	12.54	10.35	6.23
Net Income to Common	18.04	13.29	12.54	10.35	6.23
Net Income Growth	35.77%	5.98%	21.18%	65.98%	41.01%
Shares Outstanding (Basic)	11	11	11	10	10
Shares Outstanding (Diluted)	11	11	11	11	11
Shares Change (YoY)	1.79%	0.00%	2.60%	0.12%	3.28%
EPS (Basic)	1.66	1.24	1.19	1.00	0.60
EPS (Diluted)	1.64	1.23	1.16	0.98	0.59
EPS Growth	33.33%	6.03%	18.37%	66.10%	37.21%
Free Cash Flow	28.72	9.73	7.88	11.59	7.73
Free Cash Flow Per Share	2.62	0.90	0.73	1.10	0.74
Dividend Per Share	1.100	1.000	0.900	0.700	0.510
Dividend Growth	10.00%	11.11%	28.57%	37.25%	18.60%
Operating Margin	38.53%	33.61%	34.21%	32.76%	24.27%
Profit Margin	29.73%	26.15%	25.92%	23.67%	18.31%
Free Cash Flow Margin	47.33%	19.14%	16.28%	26.52%	22.69%
Effective Tax Rate	21.14%	18.44%	22.02%	21.71%	21.87%
Revenue as Reported	62.11	52.15	48.56	43.83	34.36

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