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Younited FinancialFRA:HT5 8 Debt-to-Equity is 0.71 as of Dec. 2025, which is 65% above its 10-year median of 0.43. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 456 Credit Services companies, Younited Financial ranks better than 63.16% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Younited Financial's Debt-to-Equity or its related term are showing as below:
FRA:HT5'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.43 Max: 8.39
Current: 0.71
During the past 6 years, the highest Debt-to-Equity Ratio of Younited Financial was 8.39. The lowest was 0.01. And the median was 0.43.
FRA:HT5's Debt-to-Equity is ranked better than 63.16% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs FRA:HT5: 0.71
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Younited Financial Debt-to-Equity Related Terms
Younited Financial Debt-to-Equity Historical Data
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The historical data trend for Younited Financial's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Younited Financial's Debt-to-Equity 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 Debt-to-Equity of 0.71 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Younited Financial and its competitors. This is 65% above median its historical median of 0.43. Over the past decade, Younited Financial's Debt-to-Equity has ranged from 0.01 to 8.39. According to the industry distribution chart, Younited Financial ranks #168 out of 456 companies in the Credit Services industry, placing it in the top 36.8%.
Is Younited Financial's Debt-to-Equity too high?
Younited Financial's current Debt-to-Equity of 0.71 is 65% above median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 8.39. The Credit Services industry median Debt-to-Equity is 1.24. Younited Financial's value of 0.71 is 42.5% below this industry median. Based on the distribution chart, Younited Financial ranks #168 out of 456 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 Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #168 out of 456 companies for Debt-to-Equity. This puts Younited Financial in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Younited Financial's value of 0.71 is 42.5% below this benchmark. Historically, Younited Financial's own Debt-to-Equity has ranged from 0.01 to 8.39 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 1.24, Younited Financial has consistently been below 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Debt-to-Equity of 0.71 is 42.5% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Debt-to-Equity is 0.71, which is 65% above median its own 10-year median of 0.43. 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-Equity of 0.71. The current Debt-to-Equity is 0.71, which is 65% above median its 10-year median of 0.43 and 42.5% below the Credit Services industry median of 1.24. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Debt-to-Equity is 0.71 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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