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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Younited Financial's cash to debt ratio for the quarter that ended in Dec. 2025 was 1.41.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Younited Financialcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Younited Financial's Cash-to-Debt or its related term are showing as below:
FRA:HT5'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: 1.12 Max: 10.68
Current: 1.41
During the past 6 years, Younited Financial's highest Cash to Debt Ratio was 10.68. The lowest was 0.00. And the median was 1.12.
FRA:HT5's Cash-to-Debt is not ranked
in the Credit Services industry.
Industry Median: 0.19
vs FRA:HT5: 1.41
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Younited Financial Cash-to-Debt Related Terms
Younited Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Younited Financial's Cash-to-Debt can be seen below:
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Younited Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Younited Financial Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Younited Financial's Cash-to-Debt falls into.
* 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.
Younited Financial (FRA:HT5) has a Cash-to-Debt of 1.41 as of Dec. 2025. This is 26% above median its historical median of 1.12.
Is Younited Financial's Cash-to-Debt too high?
Younited Financial's current Cash-to-Debt of 1.41 is 26% above median its 10-year median of 1.12. The Credit Services industry median Cash-to-Debt is 0.19. Younited Financial's value of 1.41 is 642.1% above this industry median. Overall, Younited Financial has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Younited Financial's Cash-to-Debt compare to V and MA?
Younited Financial's Cash-to-Debt of 1.41 can be compared against companies in the Credit Services industry. The industry median Cash-to-Debt is 0.19. Younited Financial's value of 1.41 is 642.1% above this benchmark. While the company's 10-year median is 1.12 vs. the industry median of 0.19, Younited Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Cash-to-Debt of 1.41 is 642.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Cash-to-Debt is 1.41, which is 26% above median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Younited Financial stock overvalued right now?
Younited Financial (FRA:HT5) has a current Cash-to-Debt of 1.41. The current Cash-to-Debt is 1.41, which is 26% above median its 10-year median of 1.12 and 642.1% above the Credit Services industry median of 0.19. Younited Financial's overall GF Score™ is 16/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Cash-to-Debt is 1.41 as of Dec. 2025. 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.
Younited Financial SA is a specialized credit institution and investment services provider supervised by the ACPR and AMF in France, under the oversight of the ECB. By leveraging its powerful technology platform with open banking, modern APIs and artificial intelligence, Younited has built an efficient and scalable pan-European consumer credit platform to transform the European consumer loan market and help households reach financial well-being.
16GF Score
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