United Bankers Oyj (FRA:DX0) Financial Strength: 4 (As of Jun. 2026) — 20% Below Median

Author: Vera Yuan Vera Yuan
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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.

FRA:DX0 United Bankers Oyj FRA:DX0
81 GF Score
Price €24.20
GF Value €19.41
Valuation Modestly Overvalued
! 8 Warning Signs
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What is United Bankers Oyj Financial Strength?

United Bankers Oyj FRA:DX0 +2.54% 81 Financial Strength is 4 as of Jun. 2026, which is 20% below its 10-year median of 5.00. GuruFocus rates FRA:DX0 with a GF Score™ of 81/100 and a GF Value™ of €19.41 (Modestly Overvalued). The stock has 8 warning signs investors should review.

United Bankers Oyj has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate United Bankers Oyj's interest coverage with the available data. United Bankers Oyj's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.00. Altman Z-Score does not apply to banks and insurance companies.

United Bankers Oyj  (FRA:DX0) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

United Bankers Oyj has the Financial Strength Rank of 4.

United Bankers Oyj Financial Strength Related Terms

FRA:DX0
81GF Score
United Bankers Oyj FRA:DX0
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bankers Oyj Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

United Bankers Oyj's Interest Expense for the months ended in Jun. 2026 was €-0.28 Mil. Its Operating Income for the months ended in Jun. 2026 was €0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0.00 Mil.

United Bankers Oyj's Interest Coverage for the quarter that ended in Jun. 2026 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

United Bankers Oyj's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 0) / 54.434
=0.00

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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 Financial Strength →
What does a Financial Strength of 4 mean?
United Bankers Oyj (FRA:DX0) has a Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on United Bankers Oyj and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, United Bankers Oyj's Financial Strength has ranged from 3.00 to 6.00.
Is United Bankers Oyj's Financial Strength too high?
United Bankers Oyj's current Financial Strength of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 6.00. Overall, United Bankers Oyj has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankers Oyj's Financial Strength compare to BLK and BX?
United Bankers Oyj's Financial Strength of 4 can be compared against companies in the Asset Management industry. Historically, United Bankers Oyj's own Financial Strength has ranged from 3.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Asset Management company?
A good Financial Strength depends on the Asset Management industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on United Bankers Oyj and its competitors. United Bankers Oyj's current Financial Strength is 4, which is 20% below median its own 10-year median of 5.00. 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 €19.41, compared to a current price of €24.20 — trading 24.7% above its estimated fair value. The current Financial Strength is 4, which is 20% below median its 10-year median of 5.00. United Bankers Oyj's overall GF Score™ is 81/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For United Bankers Oyj (FRA:DX0), the current Financial Strength is 4 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 €24.20 is trading 24.7% above its estimated GF Value™ of €19.41. GuruFocus considers United Bankers Oyj to be Modestly Overvalued.

Key valuation signals for FRA:DX0:

  • Financial Strength: 4 (20% below median its 10-year median of 5.00)
  • GF Value™: €19.41 vs. price of €24.20 (24.7% above fair value)
  • GF Score™: 81/100 with 8 warning signs

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 Business Description

Other Exchanges UNITED:Finland
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.
81GF Score

Get the complete analysis for FRA:DX0

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

€24.20
Price
€19.41
GF Value