United Bankers Oyj (UNITED) — Cash Flow Quality Index
United Bankers Oyj (UNITED) has a Cash Flow Quality Index of 0.18x as of June 2025. Operating cash flow of €1.25 Million is below net income of €6.83 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore United Bankers Oyj (UNITED) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Bankers Oyj Cash Flow Quality Index (2013–2024)
Historical Cash Flow Quality Index for United Bankers Oyj across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UNITED cash flow conversion.
Annual Cash Flow Quality Index for United Bankers Oyj (2013–2024)
Year-by-year earnings quality comparison for United Bankers Oyj.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.72x | €31.09 Million | €18.04 Million | ▲ +76.6% |
| 2023 | 0.98x | €12.97 Million | €13.29 Million | ▲ +20.0% |
| 2022 | 0.81x | €10.20 Million | €12.54 Million | ▼ -35.7% |
| 2021 | 1.26x | €13.09 Million | €10.35 Million | ▼ -10.9% |
| 2020 | 1.42x | €8.85 Million | €6.23 Million | ▼ -26.5% |
| 2019 | 1.93x | €6.62 Million | €3.43 Million | ▲ +67.9% |
| 2018 | 1.15x | €4.97 Million | €4.32 Million | ▼ -47.9% |
| 2017 | 2.21x | €5.15 Million | €2.33 Million | ▲ +204.1% |
| 2016 | 0.73x | €183.29K | €252.33K | ▼ -43.9% |
| 2015 | 1.29x | €4.66 Million | €3.60 Million | ▼ -23.1% |
| 2014 | 1.68x | €4.26 Million | €2.53 Million | ▲ +61.0% |
| 2013 | 1.05x | €1.46 Million | €1.40 Million | — |