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United Bankers Oyj (HEL:UNITED)
Finland flag Finland · Delayed Price · Currency is EUR
22.00
+0.60 (2.80%)
Nov 2, 2026, 6:19 PM EET

United Bankers Oyj Ratios and Metrics

Millions EUR. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
244207195155150147
Market Cap Growth
24.94%6.57%25.67%3.25%1.71%32.48%
Last Close Price
22.0018.0515.8712.1510.7710.65

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
20.1916.0410.7911.6511.9614.25
PS Ratio
4.213.673.213.053.103.37
PB Ratio
4.133.363.163.003.123.33
P/FCF Ratio
25.5632.816.7815.9219.0412.72
P/OCF Ratio
23.4628.386.2611.9414.7111.27

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.200.050.020.040.050.11
Debt / FCF Ratio
1.220.510.050.200.280.41
Net Debt / Equity Ratio
0.20-0.33-0.38-0.15-0.16-0.11
Net Debt / FCF Ratio
1.22-3.24-0.81-0.78-0.97-0.40
Asset Turnover
0.560.600.740.690.650.64
Quick Ratio
0.801.742.061.531.601.42
Current Ratio
0.801.742.061.531.601.42
Return on Equity (ROE)
20.82%21.30%32.62%27.78%27.86%26.88%
Return on Assets (ROA)
11.59%14.03%22.41%18.74%17.19%16.42%
Return on Invested Capital (ROIC)
16.96%20.55%31.72%26.85%25.96%24.59%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
4.95%6.24%9.27%8.58%8.36%7.02%
FCF Yield
3.91%3.05%14.76%6.28%5.25%7.86%
Dividend Yield
5.27%6.09%6.18%6.94%6.38%4.93%
Payout Ratio
102.80%92.88%60.19%72.89%66.30%51.31%
Buyback Yield / Dilution
-0.86%0.17%-1.79%-0.00%-2.60%-0.12%
Total Shareholder Return
4.41%6.26%4.39%6.94%3.78%4.81%