United Bankers Oyj (OHEL:UNITED) OCF Yield %: 3.86 (As of Aug. 28, 2026) — 44% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OHEL:UNITED United Bankers Oyj OHEL:UNITED
67 GF Score
Price €24.30
GF Value €18.21
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is United Bankers Oyj OCF Yield %?

United Bankers Oyj OHEL:UNITED +4.74% 67 OCF Yield % is 3.86 as of Aug. 28, 2026, which is 44% below its 10-year median of 6.85. 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 1,507 Asset Management companies, United Bankers Oyj ranks better than 55.94% on this metric.

OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

As of today, United Bankers Oyj's Trailing 12-Month Cash Flow from Operations is €10.41 Mil, and Market Cap is €269.90 Mil. Therefore, United Bankers Oyj's OCF Yield % for today is 3.86%.

The historical rank and industry rank for United Bankers Oyj's OCF Yield % or its related term are showing as below:

OHEL:UNITED' s OCF Yield % Range Over the Past 10 Years
Min: 0.22   Med: 6.85   Max: 17.59
Current: 3.86


During the past 13 years, the highest OCF Yield % of United Bankers Oyj was 17.59%. The lowest was 0.22%. And the median was 6.85%.

OHEL:UNITED's OCF Yield % is ranked better than
55.94% of 1507 companies
in the Asset Management industry
Industry Median: 2.54 vs OHEL:UNITED: 3.86

United Bankers Oyj's OCF Margin % for the quarter that ended in Jun. 2026 was %.


United Bankers Oyj OCF Yield % Explanation

Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


United Bankers Oyj OCF Yield % Related Terms


United Bankers Oyj OCF Yield % Historical Data

* Premium members only.

The historical data trend for United Bankers Oyj's OCF Yield % 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.

United Bankers Oyj OCF Yield % Chart

United Bankers Oyj Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.87 7.05 8.38 15.98 3.52

United Bankers Oyj Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
OCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 21.41 10.38 1.31 5.87 3.67

OHEL:UNITED vs BLK, BX, KKR: OCF Yield % Comparison

For the Asset Management subindustry, United Bankers Oyj's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Asset Management Industry

For the Asset Management industry and Financial Services sector, United Bankers Oyj's OCF Yield % distribution charts can be found below:

* The bar in red indicates where United Bankers Oyj's OCF Yield % falls into.


OHEL:UNITED
67GF Score
United Bankers Oyj OHEL:UNITED
OCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Bankers Oyj OCF Yield % Calculation

OCF Yield % is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

United Bankers Oyj's OCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

OCF Yield %=Cash Flow from Operations / Market Cap
=7.307 / 207.39735
=3.52%

United Bankers Oyj's annualized OCF Yield % for the quarter that ended in Jun. 2026 is calculated as

OCF Yield %=Cash Flow from Operations * Annualized Factor / Market Cap
=4.325 * 2 / 235.7652
=3.67%

* 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.

Frequently Asked Questions Learn more about OCF Yield % →
What does a OCF Yield % of 3.86 mean?
United Bankers Oyj (OHEL:UNITED) has a OCF Yield % of 3.86 as of Aug. 28, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bankers Oyj and its competitors. This is 44% below median its historical median of 6.85. Over the past decade, United Bankers Oyj's OCF Yield % has ranged from 0.22 to 17.59. According to the industry distribution chart, United Bankers Oyj ranks #664 out of 1507 companies in the Asset Management industry, placing it in the top 44.1%.
Is United Bankers Oyj's OCF Yield % too high?
United Bankers Oyj's current OCF Yield % of 3.86 is 44% below median its 10-year median of 6.85. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 17.59. The Asset Management industry median OCF Yield % is 2.54. United Bankers Oyj's value of 3.86 is 52% above this industry median. Based on the distribution chart, United Bankers Oyj ranks #664 out of 1507 companies in the Asset Management industry, which is above 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 OCF Yield % compare to BLK and BX?
According to the Asset Management industry distribution chart, United Bankers Oyj ranks #664 out of 1507 companies for OCF Yield %. This puts United Bankers Oyj in the upper half of its industry. The industry median OCF Yield % is 2.54. United Bankers Oyj's value of 3.86 is 52% above this benchmark. Historically, United Bankers Oyj's own OCF Yield % has ranged from 0.22 to 17.59 over the past decade. While the company's 10-year median is 6.85 vs. the industry median of 2.54, United Bankers Oyj has consistently been above 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 OCF Yield % for an Asset Management company?
The median OCF Yield % among Asset Management companies is 2.54, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bankers Oyj's current OCF Yield % of 3.86 is 52% above 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bankers Oyj and its competitors. For the Asset Management industry, the median OCF Yield % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankers Oyj's current OCF Yield % is 3.86, which is 44% below median its own 10-year median of 6.85. 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 OCF Yield % is 3.86, which is 44% below median its 10-year median of 6.85 and 52% above the Asset Management industry median of 2.54. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Bankers Oyj (OHEL:UNITED), the current OCF Yield % is 3.86 as of Aug. 28, 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:

  • OCF Yield %: 3.86 (44% below median its 10-year median of 6.85)
  • GF Value™: €18.21 vs. price of €24.30 (33.4% above fair value)
  • GF Score™: 67/100 with 7 warning signs
  • Industry Position: 52% above the Asset Management median (#664 of 1507)

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 Business Description

Other Exchanges DX0:Germany
Address Aleksanterinkatu 21 A, Helsinki, FIN, 00100
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

Get the complete analysis for OHEL:UNITED

OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.30
Price
€18.21
GF Value