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 8 3-Year EBITDA Growth Rate is 13.40% as of Dec. 2025, which is 3% above its 10-year median of 12.95. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 319 Credit Services companies, Younited Financial ranks better than 55.8% on this metric.
During the past 3 years, the average EBITDA Per Share Growth Rate was 13.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 6 years, the highest 3-Year average EBITDA Per Share Growth Rate of Younited Financial was 13.40% per year. The lowest was 12.50% per year. And the median was 12.95% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Younited Financial 3-Year EBITDA Growth Rate Related Terms
FRA:HT5 vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Younited Financial's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Younited Financial's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 13.40% mean?
Younited Financial (FRA:HT5) has a 3-Year EBITDA Growth Rate of 13.40% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Younited Financial and its competitors. This is near median its historical median of 12.95. Over the past decade, Younited Financial's 3-Year EBITDA Growth Rate has ranged from 12.50 to 13.40. According to the industry distribution chart, Younited Financial ranks #141 out of 319 companies in the Credit Services industry, placing it in the top 44.2%.
Is Younited Financial's 3-Year EBITDA Growth Rate too high?
Younited Financial's current 3-Year EBITDA Growth Rate of 13.40% is near median its 10-year median of 12.95. Over the past 10 years, this metric has ranged from a low of 12.50 to a high of 13.40. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. Younited Financial's value of 13.40% is 47.3% above this industry median. Based on the distribution chart, Younited Financial ranks #141 out of 319 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 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #141 out of 319 companies for 3-Year EBITDA Growth Rate. This puts Younited Financial in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. Younited Financial's value of 13.40% is 47.3% above this benchmark. Historically, Younited Financial's own 3-Year EBITDA Growth Rate has ranged from 12.50 to 13.40 over the past decade. While the company's 10-year median is 12.95 vs. the industry median of 9.10, 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current 3-Year EBITDA Growth Rate of 13.40% is 47.3% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Younited Financial and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current 3-Year EBITDA Growth Rate is 13.40%, which is near median its own 10-year median of 12.95. 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 3-Year EBITDA Growth Rate of 13.40%. The current 3-Year EBITDA Growth Rate is 13.40%, which is near median its 10-year median of 12.95 and 47.3% above the Credit Services industry median of 9.10. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current 3-Year EBITDA Growth Rate is 13.40% 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.
8GF Score
Get the complete analysis for FRA:HT5
3-Year EBITDA Growth Rate 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 
