Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Younited FinancialFRA:HT5 16 Days Sales Outstanding is 73.37 as of Dec. 2025, which is 31% below its 10-year median of 106.18. GuruFocus rates FRA:HT5 with a GF Score™ of 16/100. The stock has 1 warning sign investors should review. Among 289 Credit Services companies, Younited Financial ranks worse than 63.67% on this metric.
Younited Financial (FRA:HT5) Days Sales Outstanding Explanation
For retailers, when we compare Days Sales Outstanding, it is important to compare the same period in the previous years.
Younited Financial Days Sales Outstanding Related Terms
Younited Financial Days Sales Outstanding Historical Data
* Premium members only.
The historical data trend for Younited Financial's Days Sales Outstanding 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.
FRA:HT5 vs V, MA, AXP: Days Sales Outstanding Comparison
For the Credit Services subindustry, Younited Financial's Days Sales Outstanding, along with its competitors' market caps and Days Sales Outstanding 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 Days Sales Outstanding vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Days Sales Outstanding distribution charts can be found below:
* The bar in red indicates where Younited Financial's Days Sales Outstanding falls into.
Younited Financial Days Sales Outstanding Calculation
Days Sales Outstanding measures 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.
* 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 Days Sales Outstanding of 73.37 as of Dec. 2025. Days sales outstanding represents the average amount of days a company takes to collect receivables. View historical data on Younited Financial and its competitors. This is 31% below median its historical median of 106.18. Over the past decade, Younited Financial's Days Sales Outstanding has ranged from 77.43 to 372.90. According to the industry distribution chart, Younited Financial ranks #184 out of 289 companies in the Credit Services industry, placing it in the top 63.7%.
Is Younited Financial's Days Sales Outstanding too high?
Younited Financial's current Days Sales Outstanding of 73.37 is 31% below median its 10-year median of 106.18. Over the past 10 years, this metric has ranged from a low of 77.43 to a high of 372.90. The Credit Services industry median Days Sales Outstanding is 40.60. Younited Financial's value of 73.37 is 80.7% above this industry median. Based on the distribution chart, Younited Financial ranks #184 out of 289 companies in the Credit Services industry, which is below the industry midpoint. 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 Days Sales Outstanding compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #184 out of 289 companies for Days Sales Outstanding. This places Younited Financial in the lower half of its industry. The industry median Days Sales Outstanding is 40.60. Younited Financial's value of 73.37 is 80.7% above this benchmark. Historically, Younited Financial's own Days Sales Outstanding has ranged from 77.43 to 372.90 over the past decade. While the company's 10-year median is 106.18 vs. the industry median of 40.60, 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 Days Sales Outstanding for a Credit Services company?
The median Days Sales Outstanding among Credit Services companies is 40.60, based on 289 companies in the industry. Companies in the top quartile (top 25%) have a Days Sales Outstanding significantly above this median, while those in the bottom quartile fall well below. However, Days Sales Outstanding should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Days Sales Outstanding of 73.37 is 80.7% 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 Days Sales Outstanding mean?
A high Days Sales Outstanding can signal that a stock is expensive relative to its fundamentals. Days sales outstanding represents the average amount of days a company takes to collect receivables. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Days Sales Outstanding is 40.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Days Sales Outstanding is 73.37, which is 31% below median its own 10-year median of 106.18. 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 Days Sales Outstanding of 73.37. The current Days Sales Outstanding is 73.37, which is 31% below median its 10-year median of 106.18 and 80.7% above the Credit Services industry median of 40.60. 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 Days Sales Outstanding calculated?
Days Sales Outstanding is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Days Sales Outstanding is 73.37 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
Get the complete analysis for FRA:HT5
Days Sales Outstanding is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:HT5 has been successfully added to your 
