United Bankers Oyj (UNITED) — Tangible Net Worth Ratio
United Bankers Oyj (UNITED) has a Tangible Net Worth Ratio of 89.1% as of June 2025. This metric is calculated by deducting intangible assets (€6.12 Million) from net assets (€56.22 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See UNITED net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
United Bankers Oyj Tangible Net Worth Ratio (2013–2024)
This chart shows how United Bankers Oyj's Tangible Net Worth Ratio has changed across 12 annual periods from 2013 to 2024. As of June 2025, the ratio stands at 89.1%, reflecting net assets of €56.22 Million with intangible assets of €6.12 Million EUR. See UNITED days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for United Bankers Oyj (2013–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for United Bankers Oyj from 2013 to 2024, covering 12 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see United Bankers Oyj market capitalisation.
| Year | Tangible NW Ratio | Net Assets (EUR) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 89.3% | €61.50 Million | €6.58 Million | €88.48 Million | ▲ +1.1 pp |
| 2023 | 88.2% | €51.57 Million | €6.10 Million | €76.12 Million | ▼ -1.2 pp |
| 2022 | 89.4% | €48.06 Million | €5.10 Million | €71.57 Million | ▼ -1.0 pp |
| 2021 | 90.3% | €44.34 Million | €4.28 Million | €78.16 Million | ▲ +0.5 pp |
| 2020 | 89.8% | €39.09 Million | €3.98 Million | €58.42 Million | ▲ +0.6 pp |
| 2019 | 89.3% | €37.07 Million | €3.98 Million | €62.28 Million | ▲ +3.3 pp |
| 2018 | 85.9% | €30.32 Million | €4.27 Million | €52.01 Million | ▼ -7.0 pp |
| 2017 | 92.9% | €19.53 Million | €1.38 Million | €27.97 Million | ▼ -7.1 pp |
| 2016 | 100.0% | €15.39 Million | €0.00 | €23.30 Million | ▲ +0.0 pp |
| 2015 | 100.0% | €20.17 Million | €0.00 | €22.65 Million | ▲ +0.0 pp |
| 2014 | 100.0% | €16.26 Million | €0.00 | €20.26 Million | ▲ +0.0 pp |
| 2013 | 100.0% | €5.87 Million | €0.00 | €8.00 Million | — |