United Bankers Oyj (UNITED) — Financial Flexibility Index

Latest as of June 2025: 0.05x

United Bankers Oyj (UNITED) has a Financial Flexibility Index of 0.05x as of June 2025. Free cash flow of €1.90 Million (operating CF €1.25 Million minus capex €657.00K) represents 0% of total liabilities (€38.51 Million). Check United Bankers Oyj (UNITED) strategic investment index to assess the company's strategic physical and investment asset allocation.

Financial Flexibility Index

0.05x
Free Cash Flow / Total Liabilities

Free Cash Flow

€1.90 Million
Operating CF − Capex

Total Liabilities

€38.51 Million
EUR

Capital Expenditures

€657.00K
EUR

United Bankers Oyj Financial Flexibility Index (2013–2024)

Historical Financial Flexibility Index trend for United Bankers Oyj across 12 annual periods. See working capital position of United Bankers Oyj to evaluate short-term liquidity relative to the company's equity base.

Annual Financial Flexibility Index for United Bankers Oyj (2013–2024)

Year-by-year free cash flow to debt coverage for United Bankers Oyj. For the full company profile including market capitalisation, see United Bankers Oyj (UNITED) market capitalisation.

Year Flexibility Index Free Cash Flow (EUR) Operating CF Total Liabilities YoY Change
2024 1.24x €33.47 Million €31.09 Million €26.98 Million ▲ +87.8%
2023 0.66x €16.21 Million €12.97 Million €24.55 Million ▲ +24.1%
2022 0.53x €12.52 Million €10.20 Million €23.51 Million ▲ +23.5%
2021 0.43x €14.58 Million €13.09 Million €33.83 Million ▼ -16.5%
2020 0.52x €9.98 Million €8.85 Million €19.33 Million ▲ +76.8%
2019 0.29x €7.36 Million €6.62 Million €25.21 Million ▲ +13.8%
2018 0.26x €5.57 Million €4.97 Million €21.69 Million ▼ -65.3%
2017 0.74x €6.24 Million €5.15 Million €8.44 Million ▲ +544.9%
2016 0.11x €905.07K €183.29K €7.90 Million ▼ -94.7%
2015 2.16x €5.35 Million €4.66 Million €2.47 Million ▲ +103.1%
2014 1.07x €4.26 Million €4.26 Million €4.00 Million ▲ +55.0%
2013 0.69x €1.46 Million €1.46 Million €2.13 Million —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities