United Bankers Oyj Ratios and Metrics

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 12, 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
Market Capitalization	226	207	195	155	150	147
Market Cap Growth	22.25%	6.57%	25.67%	3.25%	1.71%	32.48%
Last Close Price	20.40	18.48	16.25	12.44	11.03	10.91
PE Ratio	17.29	16.04	10.79	11.65	11.96	14.25
PS Ratio	3.99	3.67	3.21	3.05	3.10	3.37
PB Ratio	3.66	3.36	3.16	3.00	3.12	3.33
P/FCF Ratio	35.70	32.81	6.78	15.92	19.04	12.72
P/OCF Ratio	30.88	28.38	6.26	11.94	14.71	11.27
Debt / Equity Ratio	0.05	0.05	0.02	0.04	0.05	0.11
Debt / FCF Ratio	0.51	0.51	0.05	0.20	0.28	0.41
Net Debt / Equity Ratio	-0.33	-0.33	-0.38	-0.15	-0.16	-0.11
Net Debt / FCF Ratio	-3.24	-3.24	-0.81	-0.78	-0.97	-0.40
Asset Turnover	0.60	0.60	0.74	0.69	0.65	0.64
Quick Ratio	1.74	1.74	2.06	1.53	1.60	1.42
Current Ratio	1.74	1.74	2.06	1.53	1.60	1.42
Return on Equity (ROE)	21.30%	21.30%	32.62%	27.78%	27.86%	26.88%
Return on Assets (ROA)	14.03%	14.03%	22.41%	18.74%	17.19%	16.42%
Return on Invested Capital (ROIC)	20.22%	20.55%	31.72%	26.85%	25.96%	24.59%
Earnings Yield	5.73%	6.24%	9.27%	8.58%	8.36%	7.02%
FCF Yield	2.80%	3.05%	14.76%	6.28%	5.25%	7.86%
Dividend Yield	5.69%	6.28%	6.77%	8.04%	8.16%	6.42%
Payout Ratio	92.88%	92.88%	60.19%	72.89%	66.30%	51.31%
Buyback Yield / Dilution	0.17%	0.17%	-1.79%	-0.00%	-2.60%	-0.12%
Total Shareholder Return	5.69%	6.44%	4.98%	8.03%	5.56%	6.30%