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United Bankers
United Bankers (HLSE) investor relations material
United Bankers H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary12 Feb, 2026
Executive summary
Achieved second-highest revenue in company history for 2025, with assets under management (AUM) reaching a record €5.2 billion, up from €4.8 billion at the end of 2024.
Revenue for 2025 was €57.1 million, down 8.0% year-over-year, mainly due to a one-time performance fee in 2024.
Adjusted operating profit was €16.7 million, a 29.4% decrease from the previous year; profit for the period was €13.1 million, and EPS was €1.18.
Strategic focus on full-service wealth management and high-quality funds strengthened, supporting client acquisition and deeper relationships.
Recognized for client service quality and workplace excellence, and expanded international advisory capabilities.
Financial highlights
Net fee income from asset and wealth management was €47.6 million, down 9.7% year-over-year.
Net fee income from capital markets services more than doubled to €1.4 million, with EBITDA turning positive.
Cost-to-income ratio increased to 0.70 from 0.62 year-over-year.
Return on equity (ROE) was 21.3% and return on assets (ROA) was 14.0% in 2025.
Equity ratio at year-end was 62.6%; capital adequacy ratio was 36.2%.
Outlook and guidance
Expects broad-based global economic growth in 2026, with stable interest rates and controlled inflation.
Adjusted operating profit for 2026 estimated to be close to or higher than 2025.
Long-term targets include AUM over €10 billion and adjusted operating profit above 40% of revenue by 2028.
Focus remains on growing capital in key funds and discretionary wealth management, with real asset funds as a core strength.
Market environment is expected to remain positive but with ongoing geopolitical and trade policy risks.
Explain Fourton acquisition's limited financial impact
Why did forest funds outperform real estate funds in 2025?
How will growth initiatives impact 2026 cost-to-income ratio
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Next United Bankers earnings date
H1 202620 Aug, 2026
United Bankers
Next United Bankers earnings date
H1 202620 Aug, 2026
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Frequently asked questions
United Bankers Oyj is a Finland-based financial services firm specializing in asset management and investment products. The company offers a wide range of services including wealth management, structured investments, and funds focusing on equities, fixed income, and real assets. Additionally, it provides securities brokerage, private equity fund services, and capital markets solutions such as corporate finance advisory, IPO management, and lending platforms. United Bankers also focuses on alternative investments like forestry and infrastructure. The company is headquartered in Helsinki, Finland, and its shares are listed on the Nasdaq Helsinki.
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