United Bankers Oyj (UNITED) — 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). Check United Bankers Oyj (UNITED) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Bankers Oyj Financial Flexibility Index (2013–2024)
Historical Financial Flexibility Index trend for United Bankers Oyj across 12 annual periods. For the full cash flow conversion analysis, see UNITED cash flow metrics.
Annual Financial Flexibility Index for United Bankers Oyj (2013–2024)
Year-by-year free cash flow to debt coverage for United Bankers Oyj. Explore United Bankers Oyj (UNITED) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |