Financials / Asset ManagementUpdated 2026-05-10 22:07 UTC

HEL/UNITED stock hub

HEL/UNITED has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

212.9M

Nasdaq Helsinki

Market data

Price

Recent price action with selectable time range.

HEL/UNITEDHEL/UNITED

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In the news

Latest news · HEL/UNITED

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

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Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E16.2

P25 n/aP50 n/aP75 n/a

Trailing P/E16.3

P25 n/aP50 n/aP75 n/a

ROE21.3

P25 n/aP50 n/aP75 n/a

ROIC20.2

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All HEL/UNITED market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

211

Groups with data

Currency

EUR

Showing 211 of 211 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Finland
Country code	FI
Employees	173
Employees Change	1%
Employees Change Percent	0.58
Exchange	Nasdaq Helsinki
Financial currency	EUR
First seen	2026-05-10
Industry	Asset Management
Isin	FI4000081427
Last refreshed	2026-05-10
Market cap	EUR 212.9M
Price	EUR 19.25
Price currency	EUR
Rev Per Employee	342,460.61x
Sector	Financials
Sic	6200
Symbol	hel/UNITED
Website	https://www.unitedbankers.fi

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.07%
FCF yield	2.97%
Forward P/E	16.18x
P/B ratio	3.45x
P/E ratio	16.31x
P/S ratio	3.77x
PE Ratio10 Y	13.41x
PE Ratio3 Y	13.07x
PE Ratio5 Y	12.42x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	11.19%
Gross margin	90.78%
Gross Profit	EUR 51.3M
Net Income	EUR 12.9M
Net Income Growth	-28.33%
Net Income Growth Q	-21.18%
Net Income Growth Years	0%
Net Income Growth3 Y	-10.81%
Net Income Growth5 Y	0.96%
Pretax Margin	29.45%
Profit Margin	22.88%
Profit Per Employee	EUR 78,370
Profitable Years	13
ROA	14.03
Roa5y	17.76
ROE	21.3
Roe5y	27.29
ROIC	20.22
Roic5y	25.94

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	15.96%
Cagr1y	20.58%
Cagr3y	16.89%
Cagr5y	14.21%
Div CAGR10	19.22%
Div CAGR3	8.83%
Div CAGR5	7.71%
EPS Growth	-28.05
EPS Growth Q	-20.05
EPS Growth Years	0
EPS Growth3 Y	-10.97
EPS Growth5 Y	0.7
FCF Growth	-77.99%
FCF Growth Q	-38.9%
FCF Growth3 Y	-38.07%
FCF Growth5 Y	9.84%
OCF Growth	-76.5%
OCF Growth Q	-39.72%
OCF Growth10 Y	-1.9%
OCF Growth3 Y	-37.45%
OCF Growth5 Y	1.02%
Revenue Growth	-6.88x
Revenue Growth Q	-2.01x
Revenue Growth Years	9x
Revenue Growth3 Y	-1.36x
Revenue Growth5 Y	2.74x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.6
Assets	EUR 98.6M
Cash	EUR 23.7M
Debt	EUR 3.2M
Debt Equity	EUR 0.05
Debt FCF	EUR 0.51
Equity	EUR 61.7M
Liabilities	EUR 36.9M
Net Cash	EUR 20.5M
Net Cash By Market Cap	EUR 9.61
Net Cash Growth	-12.3%
Net Debt Equity	EUR -0.33
Net Debt FCF	EUR -3.24
Tangible Book Value	EUR 40.4M
Tangible Book Value Per Share	EUR 3.71
WACC	6.78

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.74
Quick ratio	1.74
Working Capital	EUR 22.1M
Working Capital Turnover	EUR 2.46

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.17%
Dividend Growth	5.45%
Dividend Growth Years	6%
Dividend per share	EUR 1.16
Dividend Years	12
Dividend Yield	6.03%
Ex Div Date	2026-09-24
Last Dividend	EUR 0.58
Payout Frequency	Semi-Annual
Payout Ratio	92.88%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	339.39%
1Y total return	20.57%
200-day SMA	18.58
3Y total return	59.74%
50-day SMA	19.06
50-day SMA vs 200-day SMA	50over200
5Y total return	94.29%
All Time High	20.8
All Time High Change	-7.45%
All Time High Date	2024-09-23
All Time Low	6.25
All Time Low Change	208%
All Time Low Date	2020-03-17
ATR	0.45
Beta	0.48
Beta1y	-0.03
Beta2y	0.18
Ch YTD	1.05
High	19.25
High52	20.3
High52 Date	2026-03-12
High52ch	-5.17%
Low	19.2
Low52	16.65
Low52 Date	2025-05-23
Low52ch	15.62%
Ma50ch	1.01%
Price vs 200-day SMA	3.63%
RSI	53.06
RSI Monthly	58.52
RSI Weekly	55.23
Sharpe ratio	0.7x
Sortino ratio	1.31
Total Return	6.19%
Tr YTD	4.14
Tr1m	4.91%
Tr1w	-1.28%
Tr3m	4.69%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 16.6M
Operating Income Growth	-10.89
Operating Income Growth Q	-20.61
Operating Income Growth3 Y	-11
Operating Income Growth5 Y	0.65
Operating margin	29.45

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1,583,620%
Net Borrowing	-657,000
Shares Insiders	42.4%
Shares Institutions	11.09%
Shares Out	11,061,222
Shares Qo Q	-0.17%
Shares Yo Y	-0.17%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 6.3M
Average Volume	1,498.7x
Bv Per Share	5.64
CAPEX	EUR -986,000
Ch10y	167.4
Ch1m	4.91
Ch1w	-1.28
Ch1y	13.57
Ch3m	1.58
Ch3y	36.53
Ch5y	49.23
Ch6m	2.12
Change	1.32%
Change From Open	0.26
Close	19
Days Gap	1.05
Dollar Volume	17,633
Earnings Date	2026-08-20
EPS	EUR 1.18
F Score	4
FCF	EUR 6.3M
FCF Per Share	EUR 0.57
Financing CF	-13,892,000
Fiscal Year End	December
Founded	1,986
Goodwill	15,593,000
Graham Number	12.23442
Graham Upside	-36.44
Income Tax	EUR 3.5M
Investing CF	-380,000
Is Primary Listing	1
Last Earnings Date	2026-02-12
Last Report Date	2025-12-31
Last Split Date	2018-03-23
Last Split Type	Forward
Lynch Fair Value	EUR 5.9
Lynch Upside	-69.35
Ma150	18.76
Ma150ch	2.63%
Ma20	19.08
Ma20ch	0.9%
Net CF	-6,964,000
Next Earnings Date	2026-08-20
Open	19.2
P FCF Ratio	33.69
P OCF Ratio	29.14
Payment Date	2026-10-02
Position In Range	100
Ppne	3,744,000
Price Date	2026-05-08
Ptbv Ratio	5.27
Relative Volume	0.62x
Revenue	56,506,000x
Tax By Revenue	6.22x
Tax Rate	21.13%
Tr6m	5.24%
Volume	916

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

HEL/UNITED dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+6.0%

$1.16 annual per share

Payout ratio

+92.9%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+7.7%

6 consecutive years of growth

Total shareholder yield

+6.2%

Next ex-dividend date: 2026-09-24

Performance

HEL/UNITED stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns HEL/UNITED?

Insider, institutional, and short-interest positioning.

Institutional ownership

+11.1%

Share of float held by funds and institutions

Insider ownership

+42.4%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.2%

Negative means the company is buying back shares.

Technical

HEL/UNITED momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

53.1

Neutral momentum band

Price vs 200-day MA

+3.6%

50/200-day relationship not available

Beta (5Y)

0.48

Less volatile than the market

Sharpe ratio

0.70

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About HEL/UNITED

Hub-level FAQ points readers to the deeper analysis pages.

What is the current hel/UNITED stock rating?

hel/UNITED is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full hel/UNITED analysis?

The full report lives at /stocks/hel/UNITED/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for hel/UNITED?

The latest report frames hel/UNITED around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the hel/UNITED page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.