YOLFTbeta
United Bankers Oyj

United Bankers Oyj

UNITED · HE · Financial Services / Asset Management

22.30EUR-0.10 (-0.45%)

Price History

Full chart

Market Stats

Previous Close22.40
Open22.50
Day Range22.30 – 22.50
52-Week Range15.96 – 26.56
Volume641
Market Cap233.07M
P/E (TTM)18.42
Forward P/E0.00
EPS1.14
Dividend Yield5.66%
Beta0.51
50-Day Avg24.43
200-Day Avg20.87

About

United Bankers Oyj provides investment products and services in Finland and Sweden. The company offers private equity funds, real assets, structured investment products, and corporate loans. It also provides asset management, sale of investment, securities brokerage, and fund management services. In addition, the company offers capital markets services, such as corporate finance advisory; equity, borrowed, and debt financing arrangements, corporate finance solutions, listing services, and loan-based financing solutions, as well as operates online crowd funding and corporate lending platforms. United Bankers Oyj was founded in 1986 and is headquartered in Helsinki, Finland.

Company Details

  • SectorFinancial Services
  • IndustryAsset Management
  • CEOMr. John Ojanpera
  • Employees178
  • HeadquartersAleksanterinkatu 21 A, Helsinki, Finland, 00100, Finland
  • Websitehttps://www.unitedbankers.fi

Leadership

  • Mr. John OjanperaCEO & Member of Management Board · b. 1981
  • Ms. Katri NieminenChief Financial Officer
  • Mr. Jani LehtiMember of Management Board & CEO of UB Asset Management Ltd · b. 1966
  • Mr. Timo Ronkainen PekkaCEO of UB Fund Management Company Ltd & Member of Management Board · b. 1965
  • Ms. Inka NoramaaChief Communications Officer and Director of IR & Communications and Member of Mgmt. Board · b. 1975
  • Mr. Jarkko SaukkolaCOO, Chief Administrative Officer & Member of Management Board · b. 1968
  • Mr. Jukka RaskuMember of Management Board · b. 1979
  • Mr. Perttu Purhonen M.Sc.Member of Management Board · b. 1969
  • Nina RosenlewGeneral Counsel & Secretary to the Board
  • Ms. Bettina LöfhjelmMarketing Manager

Financials

Income Statement

Currency: EUR2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue13.18M20.07M27.07M19.79M24.65M28.79M32.31M34.05M43.71M48.37M50.81M55.30M57.14M
Growth (%)-+52.25%+34.88%-26.92%+24.57%+16.80%+12.22%+5.40%+28.37%+10.67%+5.04%+8.84%+3.33%
Cost of Revenue---5.66M7.65M5.82M6.34M6.42M7.24M7.18M6.97M1.42M11.83M
Gross Profit13.18M20.07M27.07M14.12M17.00M22.96M25.96M27.94M36.47M48.37M50.81M55.30M45.31M
Gross Margin100.00%100.00%100.00%71.38%68.97%79.77%80.36%82.07%83.43%100.00%100.00%100.00%79.29%
Operating Expense11.27M16.21M20.57M12.60M13.35M18.15M20.06M19.30M22.15M31.82M33.84M32.09M28.67M
Operating Income1.91M3.87M6.50M1.52M3.65M4.81M5.90M8.64M14.32M16.55M16.97M23.21M16.64M
Operating Margin14.48%19.26%24.02%7.70%14.80%16.72%18.28%25.39%32.76%34.21%33.39%41.97%29.12%
EBITDA-55.03K-174.40K-293.73K-0.545.25M7.13M8.03M10.34M16.38M18.44M19.11M26.11M19.72M
EBITDA Margin-0.42%-0.87%-1.08%-0.00%21.32%24.78%24.85%30.36%37.47%38.12%37.61%47.22%34.52%
Net Income1.40M2.09M3.60M252.33K2.33M4.32M4.42M6.23M10.35M12.54M13.29M18.04M12.93M
Net Income Margin10.61%10.44%13.29%1.28%9.47%15.00%13.68%18.31%23.67%25.92%26.15%32.63%22.63%
Interest Expense438.39K332.84K356.77K99.67K273.57K188.00K136.00K137.00K136.00K170.00K1.31M1.42M26.00K
Interest Expense % of Total Revenue3.33%1.66%1.32%0.50%1.11%0.65%0.42%0.40%0.31%0.35%2.59%2.58%0.05%

Balance Sheet

Currency: EUR2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets8.00M20.26M22.65M23.30M27.97M52.01M62.28M58.42M78.16M71.57M76.12M88.48M98.59M
Total Liabilities2.13M4.00M2.47M7.90M8.44M21.69M25.21M19.33M33.83M23.51M24.55M26.98M36.88M
Total Equity5.81M15.46M16.86M14.69M19.53M30.31M37.02M38.80M43.51M47.70M51.13M61.18M61.38M
Cash1.36K6584.89K3.03K1.68K1.00K1.00K-996.00K-2.77M-2.25M-1.90M00
Total Debt31.09K39.90K-2.99M3.00M6.91M4.29M3.00M4.76M2.25M1.90M1.28M3.20M
Net Debt29.73K39.24K-4.89K2.99M3.00M6.91M4.29M1.99M5.53M4.49M1.90M1.28M3.20M

Cash Flow

Currency: EUR2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.46M4.26M4.66M183.29K5.15M4.97M6.62M8.85M13.09M10.20M12.97M31.09M7.31M
Investing Cash Flow-184.48K-4.67M-2.20M-1.41M-2.62M112.00K-1.44M-4.56M-2.26M-2.94M-2.10M-17.47M-380.00K
Financing Cash Flow-454.10K7.41M-2.80M-2.74M-2.54M-1.81M-3.95M-6.29M-6.64M-12.08M-11.02M-9.65M-13.89M
Capital Expenditure00693.22K721.78K1.08M599.00K742.00K1.13M1.49M2.32M3.25M2.38M986.00K
Free Cash Flow1.46M4.26M3.96M-538.49K4.07M4.37M5.88M7.72M11.59M7.88M9.72M28.72M6.32M
Dividends Paid1.22M2.80M2.08M3.52M1.53M3.06M3.96M4.49M5.31M8.31M9.69M10.86M12.01M
FCF to OCF100.00%100.00%85.12%-293.79%79.02%87.94%88.79%87.27%88.58%77.24%74.98%92.36%86.51%
Dividend Paid to FCF83.37%65.58%52.41%-654.55%37.68%70.19%67.26%58.10%45.80%105.55%99.60%37.81%190.00%

Earnings

Report DateApr 10, 2015Dec 31, 2019Jun 30, 2020Dec 31, 2020Jun 30, 2021Dec 31, 2021Aug 26, 2022Feb 17, 2023
EPS Estimate0.14-------
EPS Actual0.150.340.380.210.430.560.530.65
Surprise7.14%-------
TimingPre-market-----After-hoursAfter-hours

Key Statistics & Ratios

Market Cap233.07M
Enterprise Value250.95M
Trailing P/E18.42
Forward P/E0.00
Price / Sales4.02
Price / Book4.67
EPS1.14
Book Value5.64
Revenue (TTM)57.97M
Gross Profit (TTM)52.46M
Profit Margin20.67%
Operating Margin25.48%
Return on Equity20.82%
Return on Assets11.59%
Shares Outstanding11.10M
Shares Float3.47M
Beta0.51
Dividend Yield5.66%
Dividend Rate1.16
Payout Ratio103.67%

Dividends

20261×
0.58Mar 23, 2026
20252×
0.55Sep 25, 20250.55Mar 24, 2025
20242×
0.50Sep 26, 20240.50Mar 25, 2024
20232×
0.15Sep 21, 20230.75Mar 23, 2023
20221×
0.80Mar 24, 2022
20211×
0.51Mar 22, 2021
20191×
0.41Mar 21, 2019
20181×
2.00Mar 23, 2018
20171×
0.20Mar 20, 2017
20161×
0.47Mar 24, 2016

Stock Splits

  • Mar 23, 20185:1