AI Analysis

How does UNITED.HE make money? Does UNITED.HE have pricing power? What's the Earnings Whisper? Will UNITED.HE profit more as the business scales? What is UNITED.HE's management track record? Is UNITED.HE's current price justified?

United Bankers Oyj

€24.4 +$5.65 (+30.13%)

HEL · 15 Sep 2026 15:19 UTC

Previous Close

€24.6

Day Range

€24€24.4

Year Range

€16.85€27.2

Market Cap

271.12M

AVG Volume

1.96K

Trailing/Forward PE

22.18/16.6

PEG ratio

1.59

Dividend Yield

4.63%

Next Earnings Date

2027-03-03

Primary Exchange

NASDAQ Helsinki

Dividends

UNITED.HE Dividends by year
Period	Dividends
2026	1.16
2025	1.1
2024	1
2023	0.9
2022	0.8
2021	0.51
2020	0.43
2019	0.41
2018	2
2017	0.2

PE Ratio

UNITED.HE PE Ratio by year
Period	PE Ratio
Sep 26	8.66
Sep 26	8.76
Sep 26	8.62
Aug 26	8.48
Aug 26	8.34
Aug 26	9.25
Aug 26	9.18
Jul 26	8.76
Jul 26	8.3
Jul 26	8.02
Jul 26	7.99
Jul 26	7.57
Jun 26	7.25
Jun 26	7.35
Jun 26	7.18
Jun 26	7.35
May 26	7.11
May 26	6.76
May 26	6.81
May 26	6.77
Apr 26	6.83
Apr 26	6.77
Apr 26	6.67
Apr 26	6.62
Apr 26	6.62
Mar 26	6.19
Mar 26	6.54
Mar 26	6.66
Mar 26	6.41
Feb 26	6.46
Feb 26	6.36
Feb 26	6.32
Feb 26	6.34
Jan 26	6.27
Jan 26	6.24
Jan 26	6.14
Jan 26	6.32
Jan 26	6.27
Dec 25	6.37
Dec 25	6.36
Dec 25	6.31
Dec 25	6.42
Nov 25	6.19
Nov 25	6.12
Nov 25	6.12
Nov 25	6.31
Oct 25	6
Oct 25	5.89
Oct 25	5.92
Oct 25	6.12
Oct 25	6.34
Sep 25	6.48
Sep 25	6.3
Sep 25	6.51
Sep 25	6.57
Aug 25	6.43
Aug 25	6.23
Aug 25	6.41
Aug 25	6.04
Aug 25	6.11
Jul 25	5.94
Jul 25	5.94
Jul 25	5.99
Jul 25	5.96
Jun 25	5.94
Jun 25	5.92
Jun 25	6.04
Jun 25	5.94
May 25	5.94
May 25	5.83
May 25	5.99
May 25	5.99
May 25	5.73
Apr 25	5.69
Apr 25	5.62
Apr 25	5.73
Apr 25	5.75
Mar 25	6.33
Mar 25	6.42
Mar 25	6.28
Mar 25	6.3
Feb 25	6.39
Feb 25	6.33
Feb 25	6.42
Feb 25	6.55
Jan 25	6.44
Jan 25	6.46
Jan 25	6.44
Jan 25	6.69
Jan 25	6.46
Dec 24	6.62
Dec 24	6.46
Dec 24	6.42
Dec 24	6.44
Nov 24	6.58
Nov 24	6.53
Nov 24	6.3
Nov 24	6.31
Nov 24	6.37
Oct 24	6.4

Free Cash Flow Yield

UNITED.HE Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	13.99%
Sep 26	13.82%
Sep 26	14.05%
Aug 26	14.28%
Aug 26	14.52%
Aug 26	13.09%
Aug 26	13.19%
Jul 26	13.82%
Jul 26	14.59%
Jul 26	15.1%
Jul 26	15.16%
Jul 26	16.01%
Jun 26	16.71%
Jun 26	16.47%
Jun 26	16.87%
Jun 26	16.47%
May 26	17.04%
May 26	17.93%
May 26	17.79%
May 26	17.88%
Apr 26	17.74%
Apr 26	17.88%
Apr 26	18.16%
Apr 26	18.31%
Apr 26	18.31%
Mar 26	19.28%
Mar 26	18.25%
Mar 26	17.93%
Mar 26	18.63%
Feb 26	18.48%
Feb 26	18.77%
Feb 26	18.87%
Feb 26	18.82%
Jan 26	19.03%
Jan 26	19.13%
Jan 26	19.44%
Jan 26	18.87%
Jan 26	19.03%
Dec 25	18.73%
Dec 25	18.77%
Dec 25	18.92%
Dec 25	18.58%
Nov 25	19.28%
Nov 25	19.49%
Nov 25	19.49%
Nov 25	18.92%
Oct 25	19.87%
Oct 25	20.27%
Oct 25	20.15%
Oct 25	19.49%
Oct 25	18.82%
Sep 25	20.19%
Sep 25	20.75%
Sep 25	20.09%
Sep 25	19.93%
Aug 25	20.36%
Aug 25	20.99%
Aug 25	20.41%
Aug 25	21.65%
Aug 25	21.41%
Jul 25	22.04%
Jul 25	22.04%
Jul 25	21.84%
Jul 25	21.97%
Jun 25	22.04%
Jun 25	22.1%
Jun 25	21.65%
Jun 25	22.04%
May 25	22.04%
May 25	22.43%
May 25	21.84%
May 25	21.84%
May 25	22.84%
Apr 25	22.98%
Apr 25	23.27%
Apr 25	22.84%
Apr 25	22.77%
Mar 25	15.87%
Mar 25	15.65%
Mar 25	16.01%
Mar 25	15.96%
Feb 25	15.74%
Feb 25	15.87%
Feb 25	15.65%
Feb 25	15.35%
Jan 25	15.61%
Jan 25	15.56%
Jan 25	15.61%
Jan 25	15.02%
Jan 25	15.56%
Dec 24	15.18%
Dec 24	15.56%
Dec 24	15.65%
Dec 24	15.61%
Nov 24	15.27%
Nov 24	15.39%
Nov 24	15.96%
Nov 24	15.92%
Nov 24	15.78%
Oct 24	15.69%

Price to Sales

UNITED.HE Price to Sales by year
Period	Price to Sales
Sep 26	2.27
Sep 26	2.3
Sep 26	2.26
Aug 26	2.22
Aug 26	2.19
Aug 26	2.43
Aug 26	2.41
Jul 26	2.3
Jul 26	2.18
Jul 26	2.1
Jul 26	2.1
Jul 26	1.98
Jun 26	1.9
Jun 26	1.93
Jun 26	1.88
Jun 26	1.93
May 26	1.86
May 26	1.77
May 26	1.79
May 26	1.78
Apr 26	1.79
Apr 26	1.78
Apr 26	1.75
Apr 26	1.74
Apr 26	1.74
Mar 26	1.74
Mar 26	1.84
Mar 26	1.87
Mar 26	1.8
Feb 26	1.82
Feb 26	1.79
Feb 26	1.78
Feb 26	1.78
Jan 26	1.76
Jan 26	1.75
Jan 26	1.73
Jan 26	1.78
Jan 26	1.76
Dec 25	1.79
Dec 25	1.79
Dec 25	1.77
Dec 25	1.81
Nov 25	1.74
Nov 25	1.72
Nov 25	1.72
Nov 25	1.77
Oct 25	1.69
Oct 25	1.66
Oct 25	1.66
Oct 25	1.72
Oct 25	1.78
Sep 25	1.81
Sep 25	1.76
Sep 25	1.82
Sep 25	1.83
Aug 25	1.79
Aug 25	1.74
Aug 25	1.79
Aug 25	1.69
Aug 25	1.71
Jul 25	1.66
Jul 25	1.66
Jul 25	1.67
Jul 25	1.66
Jun 25	1.66
Jun 25	1.65
Jun 25	1.69
Jun 25	1.66
May 25	1.66
May 25	1.63
May 25	1.67
May 25	1.67
May 25	1.6
Apr 25	1.59
Apr 25	1.57
Apr 25	1.6
Apr 25	1.6
Mar 25	1.79
Mar 25	1.81
Mar 25	1.77
Mar 25	1.78
Feb 25	1.8
Feb 25	1.79
Feb 25	1.81
Feb 25	1.85
Jan 25	1.82
Jan 25	1.82
Jan 25	1.82
Jan 25	1.89
Jan 25	1.82
Dec 24	1.87
Dec 24	1.82
Dec 24	1.81
Dec 24	1.82
Nov 24	1.86
Nov 24	1.84
Nov 24	1.78
Nov 24	1.78
Nov 24	1.8
Oct 24	1.81

EV/EBITDA

UNITED.HE EV/EBITDA by year
Period	EV/EBITDA
Sep 26	5.92
Sep 26	5.99
Sep 26	5.9
Aug 26	5.8
Aug 26	5.71
Aug 26	6.32
Aug 26	6.28
Jul 26	5.99
Jul 26	5.68
Jul 26	5.49
Jul 26	5.47
Jul 26	5.18
Jun 26	4.97
Jun 26	5.04
Jun 26	4.92
Jun 26	5.04
May 26	4.87
May 26	4.64
May 26	4.67
May 26	4.65
Apr 26	4.68
Apr 26	4.65
Apr 26	4.58
Apr 26	4.54
Apr 26	4.54
Mar 26	4.26
Mar 26	4.5
Mar 26	4.59
Mar 26	4.41
Feb 26	4.45
Feb 26	4.38
Feb 26	4.36
Feb 26	4.37
Jan 26	4.32
Jan 26	4.3
Jan 26	4.23
Jan 26	4.36
Jan 26	4.32
Dec 25	4.39
Dec 25	4.38
Dec 25	4.34
Dec 25	4.42
Nov 25	4.26
Nov 25	4.22
Nov 25	4.22
Nov 25	4.34
Oct 25	4.14
Oct 25	4.06
Oct 25	4.08
Oct 25	4.22
Oct 25	4.37
Sep 25	3.83
Sep 25	3.73
Sep 25	3.85
Sep 25	3.88
Aug 25	3.8
Aug 25	3.69
Aug 25	3.79
Aug 25	3.57
Aug 25	3.61
Jul 25	3.51
Jul 25	3.51
Jul 25	3.54
Jul 25	3.52
Jun 25	3.51
Jun 25	3.5
Jun 25	3.57
Jun 25	3.51
May 25	3.51
May 25	3.45
May 25	3.54
May 25	3.54
May 25	3.39
Apr 25	3.37
Apr 25	3.33
Apr 25	3.39
Apr 25	3.4
Mar 25	3.12
Mar 25	3.17
Mar 25	3.09
Mar 25	3.1
Feb 25	3.15
Feb 25	3.12
Feb 25	3.17
Feb 25	3.23
Jan 25	3.17
Jan 25	3.18
Jan 25	3.17
Jan 25	3.3
Jan 25	3.18
Dec 24	3.26
Dec 24	3.18
Dec 24	3.17
Dec 24	3.17
Nov 24	3.25
Nov 24	3.22
Nov 24	3.1
Nov 24	3.11
Nov 24	3.14
Oct 24	3.16

Price/Operating Cashflow

UNITED.HE Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	6.98
Sep 26	7.07
Sep 26	6.95
Aug 26	6.84
Aug 26	6.73
Aug 26	7.46
Aug 26	7.41
Jul 26	7.07
Jul 26	6.7
Jul 26	6.47
Jul 26	6.44
Jul 26	6.1
Jun 26	5.85
Jun 26	5.93
Jun 26	5.79
Jun 26	5.93
May 26	5.73
May 26	5.45
May 26	5.49
May 26	5.46
Apr 26	5.51
Apr 26	5.46
Apr 26	5.38
Apr 26	5.34
Apr 26	5.34
Mar 26	4.92
Mar 26	5.2
Mar 26	5.29
Mar 26	5.09
Feb 26	5.13
Feb 26	5.05
Feb 26	5.03
Feb 26	5.04
Jan 26	4.99
Jan 26	4.96
Jan 26	4.88
Jan 26	5.03
Jan 26	4.99
Dec 25	5.07
Dec 25	5.05
Dec 25	5.01
Dec 25	5.11
Nov 25	4.92
Nov 25	4.87
Nov 25	4.87
Nov 25	5.01
Oct 25	4.77
Oct 25	4.68
Oct 25	4.71
Oct 25	4.87
Oct 25	5.04
Sep 25	4.6
Sep 25	4.48
Sep 25	4.62
Sep 25	4.66
Aug 25	4.56
Aug 25	4.43
Aug 25	4.55
Aug 25	4.29
Aug 25	4.34
Jul 25	4.22
Jul 25	4.22
Jul 25	4.25
Jul 25	4.23
Jun 25	4.22
Jun 25	4.2
Jun 25	4.29
Jun 25	4.22
May 25	4.22
May 25	4.14
May 25	4.25
May 25	4.25
May 25	4.07
Apr 25	4.04
Apr 25	3.99
Apr 25	4.07
Apr 25	4.08
Mar 25	5.24
Mar 25	5.31
Mar 25	5.19
Mar 25	5.21
Feb 25	5.28
Feb 25	5.24
Feb 25	5.31
Feb 25	5.42
Jan 25	5.33
Jan 25	5.34
Jan 25	5.33
Jan 25	5.53
Jan 25	5.34
Dec 24	5.47
Dec 24	5.34
Dec 24	5.31
Dec 24	5.33
Nov 24	5.44
Nov 24	5.4
Nov 24	5.21
Nov 24	5.22
Nov 24	5.27
Oct 24	5.3

Price to Book

UNITED.HE Price to Book by year
Period	Price to Book
Sep 26	4.35
Sep 26	4.4
Sep 26	4.33
Aug 26	4.26
Aug 26	4.19
Aug 26	4.65
Aug 26	4.61
Jul 26	4.4
Jul 26	4.17
Jul 26	4.03
Jul 26	4.01
Jul 26	3.8
Jun 26	3.64
Jun 26	3.69
Jun 26	3.6
Jun 26	3.69
May 26	3.57
May 26	3.39
May 26	3.42
May 26	3.4
Apr 26	3.43
Apr 26	3.4
Apr 26	3.35
Apr 26	3.32
Apr 26	3.32
Mar 26	3.61
Mar 26	3.81
Mar 26	3.88
Mar 26	3.74
Feb 26	3.77
Feb 26	3.71
Feb 26	3.69
Feb 26	3.7
Jan 26	3.66
Jan 26	3.64
Jan 26	3.58
Jan 26	3.69
Jan 26	3.66
Dec 25	3.72
Dec 25	3.71
Dec 25	3.68
Dec 25	3.75
Nov 25	3.61
Nov 25	3.57
Nov 25	3.57
Nov 25	3.68
Oct 25	3.5
Oct 25	3.43
Oct 25	3.45
Oct 25	3.57
Oct 25	3.7
Sep 25	3.3
Sep 25	3.21
Sep 25	3.32
Sep 25	3.35
Aug 25	3.27
Aug 25	3.18
Aug 25	3.27
Aug 25	3.08
Aug 25	3.11
Jul 25	3.02
Jul 25	3.02
Jul 25	3.05
Jul 25	3.03
Jun 25	3.02
Jun 25	3.02
Jun 25	3.08
Jun 25	3.02
May 25	3.02
May 25	2.97
May 25	3.05
May 25	3.05
May 25	2.92
Apr 25	2.9
Apr 25	2.86
Apr 25	2.92
Apr 25	2.93
Mar 25	3.58
Mar 25	3.63
Mar 25	3.55
Mar 25	3.56
Feb 25	3.61
Feb 25	3.58
Feb 25	3.63
Feb 25	3.71
Jan 25	3.64
Jan 25	3.66
Jan 25	3.64
Jan 25	3.79
Jan 25	3.66
Dec 24	3.75
Dec 24	3.66
Dec 24	3.63
Dec 24	3.64
Nov 24	3.73
Nov 24	3.7
Nov 24	3.56
Nov 24	3.57
Nov 24	3.6
Oct 24	3.62

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United Bankers Oyj

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