United Bankers Oyj Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Transaction-Based Revenues	54.09	58.59	49.1
Net Interest Income	1.24	1.12	0.92
Net Interest Income Growth	10.82%	22.05%	-
Other Revenues	1.24	0.98	0.81
Revenue	56.57	60.69	50.83
Revenue Growth (YoY)	-6.79%	19.39%	-
Cost of Revenue	27.3	26.2	23.83
Gross Profit	29.27	34.49	27
Selling, General & Admin	8.41	7.51	6.99
Depreciation & Amortization Expenses	3.08	2.73	2.21
Other Operating Expenses	1.13	0.86	0.84
Operating Income	16.64	23.38	16.97
Pretax Income	16.64	23.38	16.97
Provision for Income Taxes	3.52	4.94	3.13
Net Income	13.12	18.44	13.84
Minority Interest in Earnings	-	-	0.55
Net Income to Common	13.12	18.44	13.29
Net Income Growth	-28.83%	38.75%	-
Shares Outstanding (Basic)	11	11	11
Shares Outstanding (Diluted)	11	11	11
Shares Change (YoY)	-0.17%	1.79%	-
EPS (Basic)	1.18	1.66	1.24
EPS (Diluted)	1.18	1.64	1.23
EPS Growth	-28.05%	33.33%	-
Free Cash Flow	6.32	28.72	9.73
Free Cash Flow Growth	-77.99%	195.29%	-
Free Cash Flow Per Share	0.58	2.62	0.90
Dividends Per Share	1.160	1.100	1.000
Dividend Growth	5.46%	10.00%	-
Gross Margin	51.73%	56.83%	53.12%
Operating Margin	29.42%	38.53%	33.38%
Profit Margin	23.20%	30.38%	27.22%
FCF Margin	11.17%	47.32%	19.13%
EBITDA	16.64	23.38	16.97
EBIT	16.64	23.38	16.97
EBIT Margin	29.42%	38.53%	33.38%
Effective Tax Rate	21.13%	21.14%	18.44%