United Bankers Oyj Cash Flow Quality Index
United Bankers Oyj 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
Cash Flow Quality Index of United Bankers Oyj (2013–2024)
Cash flow quality index of United Bankers Oyj from 2013 to 2024. Historical Cash Flow Quality Index for United Bankers Oyj across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. See United Bankers Oyj balance sheet quality to measure how much of total assets are equity-financed.
United Bankers Oyj Cash Flow Quality Index by Year (2013–2024)
United Bankers Oyj cash flow quality index by year from 2013 to 2024. Year-by-year earnings quality comparison for United Bankers Oyj. For the full cash flow conversion analysis, see how efficiently does United Bankers Oyj generate cash.
| 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 | — |