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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 14, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	209	207	195	155	150	147
Market Cap Growth	6.89%	6.57%	25.67%	3.25%	1.71%	32.48%
Last Close Price	19.20	18.48	16.25	12.44	11.03	10.91
PE Ratio	16.27	16.04	10.79	11.65	11.96	14.25
PS Ratio	3.70	3.67	3.21	3.05	3.10	3.37
PB Ratio	3.39	3.36	3.16	3.00	3.12	3.33
P/FCF Ratio	33.10	32.81	6.78	15.92	19.04	12.72
P/OCF Ratio	28.63	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	6.18%	6.24%	9.27%	8.58%	8.36%	7.02%
FCF Yield	3.02%	3.05%	14.76%	6.28%	5.25%	7.86%
Dividend Yield	6.04%	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	6.34%	6.44%	4.98%	8.03%	5.56%	6.30%

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