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) investment intensity to see how much of total assets are deployed in long-term investments.
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 UNITED intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
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 | — |