United Bankers Oyj (HEL:UNITED)

United Bankers Oyj Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 20, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	203	195	155	150	147	111
Market Cap Growth	5.51%	25.67%	3.25%	1.71%	32.48%	21.57%
Last Close Price	18.60	16.75	12.82	11.37	11.24	8.15
PE Ratio	14.09	10.79	11.65	11.96	14.25	17.85
PS Ratio	3.55	3.21	3.05	3.10	3.37	3.27
PB Ratio	3.60	3.16	3.00	3.12	3.33	2.85
P/FCF Ratio	20.28	6.78	15.92	19.04	12.72	14.41
P/OCF Ratio	17.90	6.26	11.94	14.71	11.27	12.57
Debt / Equity Ratio	-	0.02	0.04	0.05	0.11	0.08
Debt / FCF Ratio	-	0.05	0.20	0.28	0.41	0.39
Asset Turnover	0.64	0.74	0.69	0.65	0.64	0.56
Quick Ratio	0.73	2.06	1.53	1.60	1.42	1.58
Current Ratio	0.73	2.06	1.53	1.60	1.42	1.58
Return on Equity (ROE)	27.04%	32.62%	27.78%	27.86%	26.88%	17.13%
Return on Assets (ROA)	16.71%	22.41%	18.74%	17.19%	16.42%	10.81%
Earnings Yield	7.19%	9.27%	8.58%	8.36%	7.02%	5.60%
FCF Yield	4.93%	14.76%	6.28%	5.25%	7.86%	6.94%
Dividend Yield	5.91%	6.57%	7.80%	7.91%	6.23%	6.26%
Payout Ratio	78.85%	60.19%	72.89%	66.30%	51.31%	71.99%
Buyback Yield / Dilution	-0.84%	-1.79%	-0.00%	-2.60%	-0.12%	-3.28%
Total Shareholder Return	5.03%	4.78%	7.80%	5.32%	6.11%	2.98%

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