United Bankers Oyj (UNITED) — Cash Flow-to-Debt Ratio
United Bankers Oyj (UNITED) has a Cash Flow-to-Debt Ratio of 0.03x as of June 2025, meaning its operating cash flow of €1.25 Million could theoretically repay 0% of its total liabilities (€38.51 Million) in one year. See financial flexibility index of United Bankers Oyj to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
United Bankers Oyj Cash Flow-to-Debt Ratio (2013–2024)
Historical debt coverage capacity for United Bankers Oyj across 12 annual periods. For the full cash flow conversion analysis, see how efficiently does United Bankers Oyj generate cash.
Annual Cash Flow-to-Debt Ratio for United Bankers Oyj (2013–2024)
Year-by-year debt coverage analysis for United Bankers Oyj. Check cash flow quality index of United Bankers Oyj to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (EUR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 1.15x | €31.09 Million | €26.98 Million | ▲ +118.2% |
| 2023 | 0.53x | €12.97 Million | €24.55 Million | ▲ +21.8% |
| 2022 | 0.43x | €10.20 Million | €23.51 Million | ▲ +12.1% |
| 2021 | 0.39x | €13.09 Million | €33.83 Million | ▼ -15.5% |
| 2020 | 0.46x | €8.85 Million | €19.33 Million | ▲ +74.4% |
| 2019 | 0.26x | €6.62 Million | €25.21 Million | ▲ +14.7% |
| 2018 | 0.23x | €4.97 Million | €21.69 Million | ▼ -62.5% |
| 2017 | 0.61x | €5.15 Million | €8.44 Million | ▲ +2532.0% |
| 2016 | 0.02x | €183.29K | €7.90 Million | ▼ -98.8% |
| 2015 | 1.88x | €4.66 Million | €2.47 Million | ▲ +76.8% |
| 2014 | 1.07x | €4.26 Million | €4.00 Million | ▲ +55.0% |
| 2013 | 0.69x | €1.46 Million | €2.13 Million | — |