UPM-Kymmene Oyj (UPM.HE) is currently considered halal (Sharia-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. UPM.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 | 35.77% | 30.00% | Fail |
| Interest-bearing investments | 5.75% | 30.00% | Pass |
| Non-permissible income | 0.20% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.39% | 33.00% | Pass |
| Interest-bearing investments | 4.08% | 33.00% | Pass |
| Non-liquid assets | 89.75% | at least 20.00% | Pass |
| Non-permissible income | 0.20% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.39% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.08% | 33.33% | Pass |
| Accounts receivable | 10.25% | 33.33% | Pass |
| Non-permissible income | 0.20% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.39% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.08% | 33.33% | Pass |
| Accounts receivable | 10.25% | 50.00% | Pass |
| Non-permissible income | 0.20% | 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 | 37.99% | 33.00% | Fail |
| Cash + interest-bearing securities | 6.11% | 33.00% | Pass |
| Accounts receivable | 9.23% | 33.00% | Pass |
| Non-permissible income | 0.20% | 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 | 35.89% | 33.00% | Fail |
| Cash + interest-bearing securities | 5.77% | 49.00% | Pass |
| Accounts receivable | 8.72% | 49.00% | Pass |
| Non-permissible income | 0.20% | 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 | 35.89% | 33.33% | Fail |
| Cash + interest-bearing securities | 5.77% | 33.33% | Pass |
| Accounts receivable | 14.49% | 49.00% | Pass |
| Non-permissible income | 0.20% | 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.
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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) | 75.90 | SELL |
| Stochastic %K (14) | 95.90 | SELL |
| CCI (20) | 204.34 | SELL |
| Williams %R (14) | -4.10 | SELL |
| MACD (12,26,9) | 0.15 | BUY |
| ROC (10) | 7.61 | BUY |
| Momentum (10) | 1.81 | BUY |
| EMA (10) | 24.33 | BUY |
| SMA (10) | 24.24 | BUY |
| EMA (20) | 23.99 | BUY |
| SMA (20) | 23.77 | BUY |
| EMA (30) | 23.85 | BUY |
| SMA (30) | 23.67 | BUY |
| EMA (50) | 23.83 | BUY |
| SMA (50) | 23.45 | BUY |
| EMA (100) | 24.01 | BUY |
| SMA (100) | 24.25 | BUY |
| EMA (200) | 23.82 | BUY |
| SMA (200) | 24.39 | 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.
Basic Materials · Paper & Paper Products
UPM-Kymmene Oyj, together with its subsidiaries, engages in the forest-based bioindustry worldwide. It operates through UPM Fibres, UPM Energy, UPM Adhesive Materials, UPM Specialty Papers, UPM Communication Papers, UPM Plywood, and Other Operations segments. The company offers softwood, birch, and eucalyptus pulp for tissue, specialty papers, packaging papers, graphic papers, and board; sawn timber for joinery, packaging, furniture, planning, and construction industries; and wood-based renewable diesel and renewable naphtha for transport and petrochemical industry. It also generates electricity through hydro, thermal, and nuclear power plants; provides financial portfolio management services, as well as engages in forestry water protection. Further, it provides plywood and veneer products for construction, vehicle flooring, liquefied natural gas shipbuilding, parquet manufacturing, and other industrial applications; wood and wood-based biomass, and forestry services for forest investors and owners; biomedical products, such as nano-fibrillar cellulose for clinical and life science applications; wood-based lignin products for industrial use; and wood-based biochemicals for replacing fossil-based raw materials. It serves distributors, industrial users, publishers, cataloguers, retailers, printing houses, merchants, converters, and label stock manufacturers; label printers; brand owners; and producers of tissue, board, specialty, and graphic paper. The company was founded in 1871 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 2026-09-01 · Asset managers net 934180 (-19048)
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.
