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 Income Statement
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 |
Interest and Dividend Income | 1.71 | 1.81 | 2.54 | 2.23 | 0.29 | 0.09 |
Total Interest Expense | 0.46 | 0.57 | 1.42 | 1.31 | 0.17 | 0.14 |
Net Interest Income | 1.25 | 1.24 | 1.12 | 0.92 | 0.12 | -0.05 |
Brokerage Commission | 56.52 | 54.09 | 58.59 | 49.1 | 48.33 | 43.31 |
Trading & Principal Transactions | 0.05 | 1.15 | 0.8 | 0.71 | -0.16 | 0.4 |
Other Revenue | 0.11 | 0.09 | 0.18 | 0.07 | 0.08 | 0.02 |
Revenue Before Loan Losses | 57.93 | 56.57 | 60.68 | 50.8 | 48.37 | 43.68 |
Provision for Loan Losses | -0.03 | 0.06 | - | -0.01 | -0 | -0.03 |
| 57.97 | 56.51 | 60.68 | 50.81 | 48.37 | 43.71 | |
Revenue Growth | 1.56% | -6.88% | 19.43% | 5.04% | 10.67% | 28.37% |
Salaries & Employee Benefits | 23.24 | 22.21 | 20.99 | 19.01 | 17.51 | 16.25 |
Cost of Services Provided | 15.41 | 13.87 | 13 | 12.12 | 12.03 | 10.69 |
Other Operating Expenses | 0.78 | 0.71 | 0.59 | 0.39 | 0.36 | 0.51 |
Total Operating Expenses | 42.45 | 39.87 | 37.3 | 33.73 | 31.83 | 29.39 |
Operating Income | 15.51 | 16.64 | 23.38 | 17.08 | 16.55 | 14.32 |
Other Non-Operating Income (Expenses) | 0 | 0 | - | -0 | 0 | 0 |
EBT Excluding Unusual Items | 15.51 | 16.64 | 23.38 | 17.08 | 16.55 | 14.32 |
Other Unusual Items | - | - | - | -0.11 | -0.04 | - |
Pretax Income | 15.51 | 16.64 | 23.38 | 16.97 | 16.51 | 14.32 |
Income Tax Expense | 3.5 | 3.52 | 4.94 | 3.13 | 3.64 | 3.11 |
Earnings From Continuing Ops. | 12.01 | 13.12 | 18.44 | 13.84 | 12.87 | 11.21 |
Minority Interest in Earnings | -0.03 | -0.19 | -0.4 | -0.55 | -0.33 | -0.86 |
Net Income | 11.98 | 12.93 | 18.04 | 13.29 | 12.54 | 10.35 |
Net Income to Common | 11.98 | 12.93 | 18.04 | 13.29 | 12.54 | 10.35 |
Net Income Growth | -17.77% | -28.33% | 35.77% | 5.98% | 21.19% | 65.98% |
Shares Outstanding (Basic) | 11 | 11 | 11 | 11 | 11 | 10 |
Shares Outstanding (Diluted) | 11 | 11 | 11 | 11 | 11 | 11 |
Shares Change | 0.86% | -0.17% | 1.79% | 0.00% | 2.60% | 0.12% |
EPS (Basic) | 1.10 | 1.18 | 1.66 | 1.24 | 1.19 | 1.00 |
EPS (Diluted) | 1.09 | 1.18 | 1.64 | 1.23 | 1.16 | 0.98 |
EPS Growth | -17.45% | -28.05% | 33.33% | 6.03% | 18.37% | 66.10% |
Additional Metrics
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 |
Free Cash Flow | 9.56 | 6.32 | 28.72 | 9.73 | 7.88 | 11.59 |
Free Cash Flow Per Share | 0.86 | 0.58 | 2.62 | 0.90 | 0.73 | 1.10 |
Dividend Per Share | 1.160 | 1.160 | 1.100 | 1.000 | 0.900 | 0.700 |
Dividend Growth | 5.46% | 5.46% | 10.00% | 11.11% | 28.57% | 37.26% |
Operating Margin | 26.76% | 29.45% | 38.53% | 33.62% | 34.21% | 32.76% |
Profit Margin | 20.67% | 22.88% | 29.73% | 26.15% | 25.92% | 23.67% |
Free Cash Flow Margin | 16.49% | 11.19% | 47.33% | 19.14% | 16.28% | 26.52% |
Effective Tax Rate | 22.56% | 21.13% | 21.14% | 18.44% | 22.02% | 21.71% |
Revenue as Reported | 58.41 | 57.14 | 62.11 | 52.15 | 48.56 | 43.83 |