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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. United Bankers Oyj's Total Liabilities for the quarter that ended in Jun. 2026 was €53.31 Mil. United Bankers Oyj's Total Assets for the quarter that ended in Jun. 2026 was €112.51 Mil.
Therefore, United Bankers Oyj's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.47.
United Bankers Oyj (FRA:DX0) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
United Bankers Oyj Liabilities-to-Assets Related Terms
United Bankers Oyj Liabilities-to-Assets Historical Data
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The historical data trend for United Bankers Oyj's Liabilities-to-Assets can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:DX0 vs BLK, BX, KKR: Liabilities-to-Assets Comparison
For the Asset Management subindustry, United Bankers Oyj's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bankers Oyj Liabilities-to-Assets vs Asset Management Industry
For the Asset Management industry and Financial Services sector, United Bankers Oyj's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where United Bankers Oyj's Liabilities-to-Assets falls into.
United Bankers Oyj Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
United Bankers Oyj's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bankers Oyj (FRA:DX0) has a Liabilities-to-Assets of 0.47 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on United Bankers Oyj and its competitors.
Is United Bankers Oyj's Liabilities-to-Assets too high?
United Bankers Oyj's current Liabilities-to-Assets is 0.47. Overall, United Bankers Oyj has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankers Oyj's Liabilities-to-Assets compare to BLK and BX?
United Bankers Oyj's Liabilities-to-Assets of 0.47 can be compared against companies in the Asset Management industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for an Asset Management company?
A good Liabilities-to-Assets depends on the Asset Management industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on United Bankers Oyj and its competitors. United Bankers Oyj's current Liabilities-to-Assets is 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankers Oyj stock overvalued right now?
Based on GuruFocus' analysis, United Bankers Oyj (FRA:DX0) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.94, compared to a current price of €22.60 — trading 33.4% above its estimated fair value. The current Liabilities-to-Assets is 0.47. United Bankers Oyj's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For United Bankers Oyj (FRA:DX0), the current Liabilities-to-Assets is 0.47 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bankers Oyj (FRA:DX0) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankers Oyj stock appears to be overvalued.
The current stock price of €22.60 is trading 33.4% above its estimated GF Value™ of €16.94.
GuruFocus considers United Bankers Oyj to be Modestly Overvalued.
Key valuation signals for FRA:DX0:
Liabilities-to-Assets: 0.47
GF Value™: €16.94 vs. price of €22.60 (33.4% above fair value)
No single metric tells the full story. See the FRA:DX0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bankers Oyj provides investment products and services. The company has two business areas, wealth management and capital markets services. In wealth management, the Group specializes in real asset investments including forest real estate, and infrastructure funds. The majority of the income from operations is generated by the wealth management segment, whose customers include individuals, companies, and institutions.
73GF Score
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