Younited Financial (FRA:HT5) EBIT: €-47.44 Mil (TTM As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
8 GF Score
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What is Younited Financial EBIT?

Younited Financial FRA:HT5 -2.50% 8 EBIT is €-47.44 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 earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was €-25.17 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was €-47.44 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Younited Financial's annualized ROC % for the quarter that ended in Dec. 2025 was 0.00%. Younited Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -286.33%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Younited Financial's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -22.95%.

Younited Financial  (FRA:HT5) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Younited Financial's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=-50.336 * ( 1 - 100% )/( (1332.257 + 1262.67)/ 2 )
=-0/1297.4635
=0.00 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1470.443 - 17.001 - ( 121.185 - max(0, 32.981 - 1342.879+121.185))
=1332.257

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1530.798 - 19.1 - ( 249.028 - max(0, 99.685 - 1445.966+249.028))
=1262.67

Note: The Operating Income data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Younited Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-50.336/( ( (10.119 + max(4.512, 0)) + (19.21 + max(1.3179999999998, 0)) )/ 2 )
=-50.336/( ( 14.631 + 20.528 )/ 2 )
=-50.336/17.5795
=-286.33 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(20.877 + 0 + 16.616) - (17.001 + 0 + 15.98)
=4.512

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(20.787 + 0 + 18.48) - (19.1 + 0 + 18.849)
=1.3179999999998

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Younited Financial's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=-47.437/206.716
=-22.95 %

* 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 EBIT Related Terms

Younited Financial EBIT Historical Data

* Premium members only.

The historical data trend for Younited Financial's EBIT 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 EBIT Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial -57.40 -49.70 -31.36 -57.83 -47.44

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EBIT Get a 7-Day Free Trial Premium Member Only -13.82 -23.49 -34.34 -22.27 -25.17

FRA:HT5 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Younited Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Younited Financial's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Younited Financial's EV-to-EBIT falls into.


FRA:HT5
8GF Score
Younited Financial SA FRA:HT5
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT 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 €-47.44 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 EBIT →
What does a EBIT of €-47.44 Mil mean?
Younited Financial (FRA:HT5) has a EBIT of €-47.44 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Younited Financial.
Is Younited Financial's EBIT too high?
Younited Financial's current EBIT is €-47.44 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 EBIT compare to V and MA?
Younited Financial's EBIT of €-47.44 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Younited Financial. Younited Financial's current EBIT is €-47.44 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 EBIT of €-47.44 Mil. The current EBIT is €-47.44 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current EBIT is €-47.44 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.
8GF Score

Get the complete analysis for FRA:HT5

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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