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	FY 2022	FY 2021
Period Ending	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
Interest and Dividend Income	1.81	2.54	2.23	0.29	0.09
Total Interest Expense	0.57	1.42	1.31	0.17	0.14
Net Interest Income	1.24	1.12	0.92	0.12	-0.05
Brokerage Commission	54.09	58.59	49.1	48.33	43.31
Trading & Principal Transactions	1.15	0.8	0.71	-0.16	0.4
Other Revenue	0.09	0.18	0.07	0.08	0.02
Revenue Before Loan Losses	56.57	60.68	50.8	48.37	43.68
Provision for Loan Losses	0.06	-	-0.01	-0	-0.03
Revenue	56.51	60.68	50.81	48.37	43.71
Revenue Growth (YoY)	-6.88%	19.43%	5.04%	10.67%	28.37%
Salaries & Employee Benefits	22.21	20.99	19.01	17.51	16.25
Cost of Services Provided	13.87	13	12.12	12.03	10.69
Other Operating Expenses	0.71	0.59	0.39	0.36	0.51
Total Operating Expenses	39.87	37.3	33.73	31.83	29.39
Operating Income	16.64	23.38	17.08	16.55	14.32
Other Non-Operating Income (Expenses)	0	-	-0	0	0
EBT Excluding Unusual Items	16.64	23.38	17.08	16.55	14.32
Other Unusual Items	-	-	-0.11	-0.04	-
Pretax Income	16.64	23.38	16.97	16.51	14.32
Income Tax Expense	3.52	4.94	3.13	3.64	3.11
Earnings From Continuing Ops.	13.12	18.44	13.84	12.87	11.21
Minority Interest in Earnings	-0.19	-0.4	-0.55	-0.33	-0.86
Net Income	12.93	18.04	13.29	12.54	10.35
Net Income to Common	12.93	18.04	13.29	12.54	10.35
Net Income Growth	-28.33%	35.77%	5.98%	21.19%	65.98%
Shares Outstanding (Basic)	11	11	11	11	10
Shares Outstanding (Diluted)	11	11	11	11	11
Shares Change (YoY)	-0.17%	1.79%	0.00%	2.60%	0.12%
EPS (Basic)	1.18	1.66	1.24	1.19	1.00
EPS (Diluted)	1.18	1.64	1.23	1.16	0.98
EPS Growth	-28.05%	33.33%	6.03%	18.37%	66.10%
Free Cash Flow	6.32	28.72	9.73	7.88	11.59
Free Cash Flow Per Share	0.58	2.62	0.90	0.73	1.10
Dividend Per Share	1.160	1.100	1.000	0.900	0.700
Dividend Growth	5.46%	10.00%	11.11%	28.57%	37.26%
Operating Margin	29.45%	38.53%	33.62%	34.21%	32.76%
Profit Margin	22.88%	29.73%	26.15%	25.92%	23.67%
Free Cash Flow Margin	11.19%	47.33%	19.14%	16.28%	26.52%
Effective Tax Rate	21.13%	21.14%	18.44%	22.02%	21.71%
Revenue as Reported	57.14	62.11	52.15	48.56	43.83

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