United Bankers Oyj (UNITED.HE) is currently considered halal (Sharia-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
Computed from published company financials, balance sheet as of 2025-12-31. UNITED.HE files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: cleared (no excluded categories detected)
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.19% | 30.00% | Pass |
| Interest-bearing investments | 0.00% | 30.00% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 3.24% | 33.00% | Pass |
| Interest-bearing investments | 0.00% | 33.00% | Pass |
| Non-liquid assets | 100.00% | at least 20.00% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 3.24% | 33.33% | Pass |
| Cash + interest-bearing securities | 0.00% | 33.33% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 3.24% | 33.33% | Pass |
| Cash + interest-bearing securities | 0.00% | 33.33% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.64% | 33.00% | Pass |
| Cash + interest-bearing securities | 0.00% | 33.00% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.79% | 33.00% | Pass |
| Cash + interest-bearing securities | 0.00% | 49.00% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.79% | 33.33% | Pass |
| Cash + interest-bearing securities | 0.00% | 33.33% | Pass |
| Non-permissible income | 3.52% | 5.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 54.20 | NEUTRAL |
| Stochastic %K (14) | 100.00 | SELL |
| CCI (20) | 17.36 | NEUTRAL |
| Williams %R (14) | 0.00 | SELL |
| MACD (12,26,9) | -0.00 | SELL |
| ROC (10) | 2.47 | BUY |
| Momentum (10) | 0.60 | BUY |
| EMA (10) | 24.55 | BUY |
| SMA (10) | 24.50 | BUY |
| EMA (20) | 24.50 | BUY |
| SMA (20) | 24.56 | BUY |
| EMA (30) | 24.35 | BUY |
| SMA (30) | 24.82 | BUY |
| EMA (50) | 23.83 | BUY |
| SMA (50) | 24.11 | BUY |
| EMA (100) | 22.54 | BUY |
| SMA (100) | 22.05 | BUY |
| EMA (200) | 20.83 | BUY |
| SMA (200) | 20.24 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Asset Management
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.
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2025-12-31, figures in EUR.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-08 · Asset managers net 912361 (-21819)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.