Younited Financial (FRA:HT5) Change In Receivables: €-346.54 Mil (TTM As of Dec. 2025)

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FRA:HT5 Younited Financial SA FRA:HT5
8 GF Score
Price €6.20
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What is Younited Financial Change In Receivables?

Younited Financial FRA:HT5 +1.64% 8 Change In Receivables is €-346.54 Mil as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review.

Younited Financial's change in receivables for the quarter that ended in Dec. 2025 was €-48.37 Mil. It means Younited Financial's Accounts Receivable increased by €48.37 Mil from Jun. 2025 to Dec. 2025 .

Younited Financial's change in receivables for the fiscal year that ended in Dec. 2025 was €-346.54 Mil. It means Younited Financial's Accounts Receivable increased by €346.54 Mil from Dec. 2024 to Dec. 2025 .

Younited Financial's Accounts Receivable for the quarter that ended in Dec. 2025 was €20.79 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Younited Financial's Days Sales Outstanding for the six months ended in Dec. 2025 was 73.22.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Younited Financial's liquidation value for the six months ended in Dec. 2025 was €-1,017.84 Mil.


Younited Financial  (FRA:HT5) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Younited Financial's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=20.787/51.814*91
=73.22

2. In Ben Graham's calculation of liquidation value, Younited Financial's accounts receivable are only considered to be worth 75% of book value:

Younited Financial's liquidation value for the quarter that ended in Dec. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=249.028-1282.456+0.75 * 20.787+0.5 * 0
=-1,017.84

* 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 Change In Receivables Related Terms


Younited Financial Change In Receivables Historical Data

* Premium members only.

The historical data trend for Younited Financial's Change In Receivables 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.

Younited Financial Change In Receivables Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial -150.84 -706.78 33.58 48.20 -346.54

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Change In Receivables Get a 7-Day Free Trial Premium Member Only 27.88 88.91 -40.71 -298.17 -48.37
FRA:HT5
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Younited Financial SA FRA:HT5
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €-346.54 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of €-346.54 Mil mean?
Younited Financial (FRA:HT5) has a Change In Receivables of €-346.54 Mil as of Dec. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Younited Financial and its competitors.
Is Younited Financial's Change In Receivables too high?
Younited Financial's current Change In Receivables is €-346.54 Mil. Overall, Younited Financial has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Younited Financial's Change In Receivables compare to V and MA?
Younited Financial's Change In Receivables of €-346.54 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Credit Services company?
A good Change In Receivables depends on the Credit Services industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Younited Financial and its competitors. Younited Financial's current Change In Receivables is €-346.54 Mil. 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 Change In Receivables of €-346.54 Mil. The current Change In Receivables is €-346.54 Mil. Younited Financial's overall GF Score™ is 8/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Change In Receivables is €-346.54 Mil 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 Business Description

Address 17, Boulevard Friedrich Wilhelm Raiffeisen, Luxembourg, LUX, L-2411
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.
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Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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