Finland · Delayed Price · Currency is EUR United Bankers Oyj Statistics
Total Valuation
HEL:UNITED has a market cap or net worth of EUR 273.56 million.
| Market Cap | 273.56M |
| Enterprise Value | n/a |
Important Dates
The last earnings date was Thursday, August 20, 2026.
| Earnings Date | Aug 20, 2026 |
| Ex-Dividend Date | Sep 24, 2026 |
Share Statistics
HEL:UNITED has 11.12 million shares outstanding. The number of shares has increased by 0.86% in one year.
| Current Share Class | 11.12M |
| Shares Outstanding | 11.12M |
| Shares Change (YoY) | +0.86% |
| Shares Change (QoQ) | +2.15% |
| Owned by Insiders (%) | 32.13% |
| Owned by Institutions (%) | 11.02% |
| Float | 3.48M |
Valuation Ratios
The trailing PE ratio is 22.58 and the forward PE ratio is 17.83.
| PE Ratio | 22.58 |
| Forward PE | 17.83 |
| PS Ratio | 4.72 |
| PB Ratio | 4.62 |
| P/TBV Ratio | 12.06 |
| P/FCF Ratio | 28.62 |
| P/OCF Ratio | 26.27 |
| PEG Ratio | n/a |
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 0.80, with a Debt / Equity ratio of 0.20.
| Current Ratio | 0.80 |
| Quick Ratio | 0.80 |
| Debt / Equity | 0.20 |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.22 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 20.82% and return on invested capital (ROIC) is 16.96%.
| Return on Equity (ROE) | 20.82% |
| Return on Assets (ROA) | 11.59% |
| Return on Invested Capital (ROIC) | 16.96% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.71% |
| Revenue Per Employee | 325,646 |
| Profits Per Employee | 67,309 |
| Employee Count | 178 |
| Asset Turnover | 0.56 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HEL:UNITED has paid 3.50 million in taxes.
| Income Tax | 3.50M |
| Effective Tax Rate | 22.56% |
Stock Price Statistics
The stock price has increased by +34.97% in the last 52 weeks. The beta is 0.50, so HEL:UNITED's price volatility has been lower than the market average.
| Beta (5Y) | 0.50 |
| 52-Week Price Change | +34.97% |
| 50-Day Moving Average | 23.68 |
| 200-Day Moving Average | 20.29 |
| Relative Strength Index (RSI) | 52.97 |
| Average Volume (20 Days) | 2,054 |
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 57.97 million and earned 11.98 million in profits. Earnings per share was 1.09.
| Revenue | 57.97M |
| Gross Profit | 52.46M |
| Operating Income | 15.51M |
| Pretax Income | 15.51M |
| Net Income | 11.98M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 1.09 |
Balance Sheet
| Cash & Cash Equivalents | n/a |
| Total Debt | 11.62M |
| Net Cash | -11.62M |
| Net Cash Per Share | -1.05 |
| Equity (Book Value) | 59.20M |
| Book Value Per Share | 5.33 |
| Working Capital | -3.36M |
Cash Flow
In the last 12 months, operating cash flow was 10.41 million and capital expenditures -856,000, giving a free cash flow of 9.56 million.
| Operating Cash Flow | 10.41M |
| Capital Expenditures | -856,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 10.96M |
| Free Cash Flow | 9.56M |
| FCF Per Share | 0.86 |
Margins
Gross margin is 90.51%, with operating and profit margins of 26.76% and 20.67%.
| Gross Margin | 90.51% |
| Operating Margin | 26.76% |
| Pretax Margin | 26.76% |
| Profit Margin | 20.67% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 16.49% |
Dividends & Yields
This stock pays an annual dividend of 1.16, which amounts to a dividend yield of 4.48%.
| Dividend Per Share | 1.16 |
| Dividend Yield | 4.48% |
| Dividend Growth (YoY) | 5.45% |
| Years of Dividend Growth | 6 |
| Payout Ratio | 102.80% |
| Buyback Yield | -0.86% |
| Shareholder Yield | 3.62% |
| Earnings Yield | 4.38% |
| FCF Yield | 3.49% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
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 | 4 |