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Younited FinancialFRA:HT5 8 Debt-to-EBITDA is -7.32 as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 282 Credit Services companies, Younited Financial ranks worse than 354609.57% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Younited Financial's Debt-to-EBITDA or its related term are showing as below:
FRA:HT5'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -124.29 Med: -2.41 Max: -0.44
Current: -8.38
During the past 6 years, the highest Debt-to-EBITDA Ratio of Younited Financial was -0.44. The lowest was -124.29. And the median was -2.41.
FRA:HT5's Debt-to-EBITDA is ranked worse than 100% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs FRA:HT5: -8.38
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Younited Financial Debt-to-EBITDA Related Terms
Younited Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Younited Financial's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Younited Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Younited Financial (FRA:HT5) has a Debt-to-EBITDA of -7.32 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Younited Financial. According to the industry distribution chart, Younited Financial ranks #999999 out of 282 companies in the Credit Services industry.
Is Younited Financial's Debt-to-EBITDA too high?
Younited Financial's current Debt-to-EBITDA is -7.32. Based on the distribution chart, Younited Financial ranks #999999 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #999999 out of 282 companies for Debt-to-EBITDA. This places Younited Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Younited Financial. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Debt-to-EBITDA is -7.32. 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 Debt-to-EBITDA of -7.32. The current Debt-to-EBITDA is -7.32. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Debt-to-EBITDA is -7.32 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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