Younited FinancialFRA:HT5 -2.50%8 Current Ratio is 14.51 as of Dec. 2025, which is 19% below its 10-year median of 17.84. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 394 Credit Services companies, Younited Financial ranks better than 59.64% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Younited Financial's current ratio for the quarter that ended in Dec. 2025 was 14.51.
Younited Financial has a current ratio of 14.51. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Younited Financial's Current Ratio or its related term are showing as below:
FRA:HT5'
s Current Ratio Range Over the Past 10 Years
Min: 14.51 Med: 17.84 Max: 19.83
Current: 14.51
During the past 6 years, Younited Financial's highest Current Ratio was 19.83. The lowest was 14.51. And the median was 17.84.
FRA:HT5's Current Ratio is ranked better than 59.64% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs FRA:HT5: 14.51
Younited Financial (FRA:HT5) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Younited Financial Current Ratio Related Terms
Younited Financial Current Ratio Historical Data
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The historical data trend for Younited Financial's Current Ratio 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.
For the Credit Services subindustry, Younited Financial's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Current Ratio distribution charts can be found below:
* The bar in red indicates where Younited Financial's Current Ratio 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 Current Ratio of 14.51 as of Dec. 2025. This is 19% below median its historical median of 17.84. Over the past decade, Younited Financial's Current Ratio has ranged from 14.51 to 19.83. According to the industry distribution chart, Younited Financial ranks #159 out of 394 companies in the Credit Services industry, placing it in the top 40.4%.
Is Younited Financial's Current Ratio too high?
Younited Financial's current Current Ratio of 14.51 is 19% below median its 10-year median of 17.84. Over the past 10 years, this metric has ranged from a low of 14.51 to a high of 19.83. The Credit Services industry median Current Ratio is 5.06. Younited Financial's value of 14.51 is 187% above this industry median. Based on the distribution chart, Younited Financial ranks #159 out of 394 companies in the Credit Services industry, which is above the industry midpoint. 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 Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #159 out of 394 companies for Current Ratio. This puts Younited Financial in the upper half of its industry. The industry median Current Ratio is 5.06. Younited Financial's value of 14.51 is 187% above this benchmark. Historically, Younited Financial's own Current Ratio has ranged from 14.51 to 19.83 over the past decade. While the company's 10-year median is 17.84 vs. the industry median of 5.06, 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Current Ratio of 14.51 is 187% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Current Ratio is 14.51, which is 19% below median its own 10-year median of 17.84. 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 Current Ratio of 14.51. The current Current Ratio is 14.51, which is 19% below median its 10-year median of 17.84 and 187% above the Credit Services industry median of 5.06. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Current Ratio is 14.51 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.
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