United Bankers Oyj Financial Flexibility Index
United Bankers Oyj financial flexibility index. 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). Explore United Bankers Oyj capex to cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of United Bankers Oyj (2013–2024)
Financial flexibility index of United Bankers Oyj from 2013 to 2024. Historical Financial Flexibility Index trend for United Bankers Oyj across 12 annual periods. Check cash flow reinvestment rate of United Bankers Oyj to assess the company's total reinvestment commitment from operating cash flow.
United Bankers Oyj Financial Flexibility Index by Year (2013–2024)
United Bankers Oyj financial flexibility index by year from 2013 to 2024. Year-by-year free cash flow to debt coverage for United Bankers Oyj. For the full cash flow conversion analysis, see UNITED cash generation efficiency.
| 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 | — |