United Bankers Oyj (HEL:UNITED)
Finland · Delayed Price · Currency is EUR 24.70
+0.10 (0.41%)
Sep 2, 2026, 5:43 PM EET
United Bankers Oyj Financials Overview
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 57.97 | 56.51 | 60.68 | 50.81 | 48.37 | 43.71 |
Revenue Growth | 2.58% | -6.88% | 19.43% | 5.04% | 10.67% | 28.37% |
Operating Income Operating Income Growth | 15.51 | 16.64 | 23.38 | 17.08 | 16.55 | 14.32 |
Net Income Net Income Growth | 11.98 | 12.93 | 18.04 | 13.29 | 12.54 | 10.35 |
Earnings Per Share EPS Growth | 1.09 | 1.18 | 1.64 | 1.23 | 1.16 | 0.98 |
EPS Growth | -7.66% | -28.05% | 33.33% | 6.03% | 18.37% | 66.10% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Market Services Capital Market Services Growth | 1.31 | 1.4 | 0.73 | 0.96 | 1.73 | 3.07 |
Other Other Growth | 0.04 | 1.05 | 0.73 | 0.51 | -0.11 | 0.31 |
Asset and Wealth Management Asset and Wealth Management Growth | 56.53 | 54.05 | 59.23 | 49.33 | 46.75 | 40.34 |
Total Total Growth | 57.89 | 56.51 | 60.68 | 50.8 | 48.37 | 43.71 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 0 | 23.65 | 24.61 | 9.46 | 9.86 | 9.46 |
Total Debt Total Debt Growth | 11.62 | 3.2 | 1.28 | 1.9 | 2.25 | 4.77 |
Net Cash (Debt) Net Cash Growth | -11.62 | 20.46 | 23.33 | 7.56 | 7.62 | 4.69 |
Net Cash Growth | - | -12.30% | 208.41% | -0.72% | 62.40% | -16.83% |
Net Cash Per Share Net Cash Per Share Growth | -1.05 | 1.87 | 2.12 | 0.70 | 0.71 | 0.45 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 10.41 | 7.31 | 31.09 | 12.97 | 10.2 | 13.09 |
Capital Expenditures CapEx Growth | -0.86 | -0.99 | -2.38 | -3.25 | -2.32 | -1.49 |
Free Cash Flow Free Cash Flow Growth | 9.56 | 6.32 | 28.72 | 9.73 | 7.88 | 11.59 |
Free Cash Flow Growth | 51.19% | -77.99% | 195.29% | 23.48% | -32.06% | 50.06% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 26.76% | 29.45% | 38.53% | 33.62% | 34.21% | 32.76% |
Pretax Margin | 26.76% | 29.45% | 38.53% | 33.39% | 34.12% | 32.76% |
Profit Margin | 20.67% | 22.88% | 29.73% | 26.15% | 25.92% | 23.67% |
FCF Margin | 16.49% | 11.19% | 47.33% | 19.14% | 16.28% | 26.52% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 1.160 | 1.160 | 1.100 | 1.000 | 0.900 | 0.700 |
Dividend Per Share Growth | 5.45% | 5.46% | 10.00% | 11.11% | 28.57% | 37.26% |
Dividend Yield | 4.48% | 6.28% | 6.77% | 8.04% | 8.16% | 6.42% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 22.58 | 16.04 | 10.79 | 11.65 | 11.96 | 14.25 |
Forward PE | 17.83 | 14.57 | 12.95 | 12.31 | 13.37 | 15.03 |
P/FCF Ratio | 28.62 | 32.81 | 6.78 | 15.92 | 19.04 | 12.72 |
PS Ratio | 4.72 | 3.67 | 3.21 | 3.05 | 3.10 | 3.37 |