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United Bankers OyjOHEL:UNITED +4.74%67 Net Margin % is 21.61% as of Jun. 2026, which is 6% below its 10-year median of 23.09. GuruFocus rates OHEL:UNITED with a GF Score™ of 67/100 and a GF Value™ of €18.21 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,567 Asset Management companies, United Bankers Oyj ranks worse than 72.18% on this metric.
United Bankers Oyj (OHEL:UNITED) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Bankers Oyj Net Margin % Related Terms
United Bankers Oyj Net Margin % Historical Data
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The historical data trend for United Bankers Oyj's Net Margin % 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.
OHEL:UNITED vs BLK, BX, KKR: Net Margin % Comparison
For the Asset Management subindustry, United Bankers Oyj's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, United Bankers Oyj's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Bankers Oyj's Net Margin % falls into.
* 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 (OHEL:UNITED) has a Net Margin % of 21.61% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Bankers Oyj and its competitors. This is near median its historical median of 23.09. Over the past decade, United Bankers Oyj's Net Margin % has ranged from 1.61 to 32.52. According to the industry distribution chart, United Bankers Oyj ranks #1131 out of 1567 companies in the Asset Management industry, placing it in the top 72.2%.
Is United Bankers Oyj's Net Margin % too high?
United Bankers Oyj's current Net Margin % of 21.61% is near median its 10-year median of 23.09. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 32.52. The Asset Management industry median Net Margin % is 87.02. United Bankers Oyj's value of 21.61% is 75.2% below this industry median. Based on the distribution chart, United Bankers Oyj ranks #1131 out of 1567 companies in the Asset Management industry, which is below the industry midpoint. Overall, United Bankers Oyj has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankers Oyj's Net Margin % compare to BLK and BX?
According to the Asset Management industry distribution chart, United Bankers Oyj ranks #1131 out of 1567 companies for Net Margin %. This places United Bankers Oyj in the lower half of its industry. The industry median Net Margin % is 87.02. United Bankers Oyj's value of 21.61% is 75.2% below this benchmark. Historically, United Bankers Oyj's own Net Margin % has ranged from 1.61 to 32.52 over the past decade. While the company's 10-year median is 23.09 vs. the industry median of 87.02, United Bankers Oyj has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Asset Management company?
The median Net Margin % among Asset Management companies is 87.02, based on 1,567 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankers Oyj's current Net Margin % of 21.61% is 75.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Bankers Oyj and its competitors. For the Asset Management industry, the median Net Margin % is 87.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankers Oyj's current Net Margin % is 21.61%, which is near median its own 10-year median of 23.09. 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 (OHEL:UNITED) is currently considered Significantly Overvalued. The stock's GF Value™ is €18.21, compared to a current price of €24.30 — trading 33.4% above its estimated fair value. The current Net Margin % is 21.61%, which is near median its 10-year median of 23.09 and 75.2% below the Asset Management industry median of 87.02. United Bankers Oyj's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Bankers Oyj (OHEL:UNITED), the current Net Margin % is 21.61% 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 (OHEL:UNITED) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankers Oyj stock appears to be overvalued.
The current stock price of €24.30 is trading 33.4% above its estimated GF Value™ of €18.21.
GuruFocus considers United Bankers Oyj to be Significantly Overvalued.
Key valuation signals for OHEL:UNITED:
Net Margin %: 21.61% (near median its 10-year median of 23.09)
GF Value™: €18.21 vs. price of €24.30 (33.4% above fair value)
Industry Position: 75.2% below the Asset Management median (#1131 of 1567)
No single metric tells the full story. See the OHEL:UNITED 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.
67GF Score
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