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) cash flow conversion to assess how effectively this company generates cash.
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. Check cash flow reinvestment rate of United Bankers Oyj to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for United Bankers Oyj (2013–2024)
Year-by-year earnings quality comparison for United Bankers Oyj. For live market cap and the full company financial profile, see United Bankers Oyj (UNITED) market capitalisation.
| 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 | — |