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
Period Ending	Jul '26 Jul 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Market Cap	254	207	195	155	-
Market Cap Growth	36.71%	6.57%	25.67%	-	-
Enterprise Value	-	201.35	181.6	145.96	0
Last Close Price	23.60	19.05	17.80	14.40	13.60
PE Ratio	19.32	16.14	10.85	11.71	11.72
Forward PE	19.16	14.57	12.95	12.31	13.37
PEG Ratio	-	0.92	0.92	0.92	0.92
PS Ratio	4.49	3.67	3.21	3.05	-
PB Ratio	4.11	3.38	3.18	3.03	-
P/TBV Ratio	6.40	5.16	5.01	5.28	-
P/FCF Ratio	40.12	32.81	6.78	15.92	-
P/OCF Ratio	34.71	28.38	6.26	11.94	-
EV/Sales Ratio	-	3.56	2.99	2.87	-
EV/EBITDA Ratio	-	12.10	7.77	8.60	-
EV/EBIT Ratio	-	12.10	7.77	8.60	-
EV/FCF Ratio	-	31.85	6.32	15.01	-
Net Debt / Equity Ratio	-0.10	-0.10	-0.22	-0.18	-
Net Debt / EBITDA Ratio	-0.38	-0.38	-0.57	-0.55	-
Net Debt / FCF Ratio	-1.01	-1.01	-0.46	-0.96	-
Asset Turnover	0.60	0.60	0.74	1.34	-
Quick Ratio	0.18	0.18	0.53	0.43	-
Current Ratio	1.45	1.45	1.57	1.95	-
Return on Equity (ROE)	21.30%	21.30%	32.61%	53.66%	-
Return on Assets (ROA)	14.03%	14.03%	22.40%	36.36%	-
Return on Invested Capital (ROIC)	23.71%	25.36%	40.80%	32.77%	-
Return on Capital Employed (ROCE)	26.14%	26.14%	39.67%	62.16%	-
Earnings Yield	5.10%	6.19%	9.21%	8.54%	8.53%
FCF Yield	2.49%	3.05%	14.76%	6.28%	-
Dividend Yield	5.00%	5.78%	5.62%	6.26%	0.00%
Payout Ratio	92.88%	91.52%	58.89%	72.89%	-
Buyback Yield / Dilution	0.17%	0.17%	-1.79%	-0.00%	-
Total Shareholder Return	5.17%	5.95%	3.83%	6.26%	0.00%