United Bankers Oyj Statistics

Total Valuation

HEL:UNITED has a market cap or net worth of EUR 190.28 million.

Market Cap	190.28M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, August 21, 2025.

Earnings Date	Aug 21, 2025
Ex-Dividend Date	Sep 25, 2025

Share Statistics

HEL:UNITED has 10.94 million shares outstanding. The number of shares has increased by 1.79% in one year.

Current Share Class	n/a
Shares Outstanding	10.94M
Shares Change (YoY)	+1.79%
Shares Change (QoQ)	-0.02%
Owned by Insiders (%)	20.17%
Owned by Institutions (%)	11.16%
Float	4.23M

Valuation Ratios

The trailing PE ratio is 10.61 and the forward PE ratio is 16.73.

PE Ratio	10.61
Forward PE	16.73
PS Ratio	3.12
PB Ratio	3.11
P/TBV Ratio	4.88
P/FCF Ratio	6.63
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 2.06, with a Debt / Equity ratio of 0.02.

Current Ratio	2.06
Quick Ratio	2.06
Debt / Equity	0.02
Debt / EBITDA	n/a
Debt / FCF	0.04
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 32.61%.

Return on Equity (ROE)	32.61%
Return on Assets (ROA)	22.40%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	367,758
Profits Per Employee	109,345
Employee Count	172
Asset Turnover	0.74
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +2.96% in the last 52 weeks. The beta is 0.42, so HEL:UNITED's price volatility has been lower than the market average.

Beta (5Y)	0.42
52-Week Price Change	+2.96%
50-Day Moving Average	17.78
200-Day Moving Average	18.18
Relative Strength Index (RSI)	47.33
Average Volume (20 Days)	4,380

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, HEL:UNITED had revenue of EUR 60.68 million and earned 18.04 million in profits. Earnings per share was 1.64.

Revenue	60.68M
Gross Profit	55.36M
Operating Income	23.38M
Pretax Income	23.38M
Net Income	18.04M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.64

Full Income Statement

Balance Sheet

The company has 24.61 million in cash and 1.28 million in debt, giving a net cash position of 23.33 million or 2.13 per share.

Cash & Cash Equivalents	24.61M
Total Debt	1.28M
Net Cash	23.33M
Net Cash Per Share	2.13
Equity (Book Value)	61.50M
Book Value Per Share	5.60
Working Capital	23.80M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 31.09 million and capital expenditures -2.38 million, giving a free cash flow of 28.72 million.

Operating Cash Flow	31.09M
Capital Expenditures	-2.38M
Free Cash Flow	28.72M
FCF Per Share	2.63

Full Cash Flow Statement

Margins

Gross margin is 91.24%, with operating and profit margins of 38.53% and 29.73%.

Gross Margin	91.24%
Operating Margin	38.53%
Pretax Margin	38.53%
Profit Margin	29.73%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	47.33%

Dividends & Yields

This stock pays an annual dividend of 1.10, which amounts to a dividend yield of 6.41%.

Dividend Per Share	1.10
Dividend Yield	6.41%
Dividend Growth (YoY)	10.00%
Years of Dividend Growth	5
Payout Ratio	60.19%
Buyback Yield	-1.79%
Shareholder Yield	4.63%
Earnings Yield	9.48%
FCF Yield	15.09%

Dividend Details

Stock Splits

The last stock split was on March 23, 2018. It was a forward split with a ratio of 5.

Last Split Date	Mar 23, 2018
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	n/a