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United Bankers Oyj (UNITED) Fair Value & Analysis

Financial Services · FI · Market cap €223M

Price€20.60
Fair Value€7.77
Upside-62.3%
Quality95/100
Evidence: High Range €5.83 – €9.71

Fair value as of: Jun 26, 2026

Analysis

United Bankers Oyj (UNITED) currently trades at €20.60, while our model-based Fair Value estimate is €7.77 — implying the stock looks roughly 62.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

United Bankers Oyj provides investment products and services in Finland and Sweden. The company offers private equity funds, real assets, structured investment products, and corporate loans. It also provides asset management, sale of investment, securities brokerage, and fund management services. In addition, the company offers capital markets services, such as corporate finance advisory; equity, borrowed, and debt financing arrangements, corporate finance solutions, listing services, and loan-based financing solutions, as well as operates online crowd funding and corporate lending platforms. United Bankers Oyj was founded in 1986 and is headquartered in Helsinki, Finland.

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Frequently asked questions

Is United Bankers Oyj (UNITED) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €7.77 versus a price of €20.60 — about −62% (overvalued). Model-based estimate, not financial advice.
What is the fair value of UNITED?
Our 21-model fair value for United Bankers Oyj is €7.77 (as of Jun 26, 2026), built from audited fundamentals. The current price is €20.60.
What is the quality score of UNITED?
United Bankers Oyj has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.