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United Bankers (HLSE) investor relations material
United Bankers H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary21 Aug, 2025
Executive summary
Achieved the second strongest half-year revenue in company history at €29.1 million, though profit and EPS declined due to lower performance fees after a record 2024 period.
Assets under management (AUM) reached a record €4.9 billion, up from €4.8 billion at year-end 2024, despite some redemption pressures in real estate funds.
Growth in discretionary asset management and structured product fee income offset lower performance fees.
Sustainability and impact investing initiatives advanced, with new climate targets, international commitments, and the company becoming the first Finnish asset manager to sign the OPIM principles for impact management.
Transfer of Asilo Argo fund management reduced AUM by €104 million.
Financial highlights
Revenue for H1 2025 was €29.1 million, down 11.8% year-over-year.
Adjusted operating profit was €8.8 million, a 36.3% decrease compared to H1 2024.
Adjusted EBITDA was €10.4 million, down 30.9% year-over-year.
Profit for the period was €7.0 million, a 33.6% decrease from the previous year.
Earnings per share fell to €0.60–0.63.
Outlook and guidance
Adjusted operating profit for 2025 is expected to be significantly below 2024 due to lower performance fees.
Recovery in the real estate market is anticipated, supported by lower interest rates and improved financing.
International growth will focus on real asset investment solutions and forestry expertise.
Fundraising for the housing fund UB Asuntorahasto is a key growth initiative for the remainder of the year.
Long-term goal to increase AUM to over €10 billion and adjusted operating profit margin to over 40% by 2028.
Performance fee trend excluding one-off impact?
Real estate funds: strategy vs. market challenges?
Impact of CSRD postponement on UB's reporting?
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Next United Bankers earnings date
H2 202512 Feb, 2026
Next United Bankers earnings date
H2 202512 Feb, 2026
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Frequently asked questions
United Bankers Oyj is a Finland-based financial services firm specializing in asset management and investment products. The company offers a wide range of services including wealth management, structured investments, and funds focusing on equities, fixed income, and real assets. Additionally, it provides securities brokerage, private equity fund services, and capital markets solutions such as corporate finance advisory, IPO management, and lending platforms. United Bankers also focuses on alternative investments like forestry and infrastructure. The company is headquartered in Helsinki, Finland, and its shares are listed on the Nasdaq Helsinki.
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