Younited FinancialFRA:HT5 -2.50%8 EBITDA Margin % is -23.22% 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 414 Credit Services companies, Younited Financial ranks worse than 85.27% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Younited Financial's EBITDA for the
six
months ended in Dec. 2025 was €-12.03 Mil. Younited Financial's Revenue for the
six
months ended in Dec. 2025 was €51.81 Mil. Therefore, Younited Financial's EBITDA margin for the quarter that ended in Dec. 2025 was -23.22%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Younited Financial EBITDA Margin % Related Terms
Younited Financial EBITDA Margin % Historical Data
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The historical data trend for Younited Financial's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Younited Financial's EBITDA Margin % 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 EBITDA Margin % of -23.22% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #353 out of 414 companies in the Credit Services industry, placing it in the top 85.3%.
Is Younited Financial's EBITDA Margin % too high?
Younited Financial's current EBITDA Margin % is -23.22%. Based on the distribution chart, Younited Financial ranks #353 out of 414 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #353 out of 414 companies for EBITDA Margin %. This places Younited Financial in the lower half of its industry. The industry median EBITDA Margin % is 20.91. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current EBITDA Margin % is -23.22%. 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 EBITDA Margin % of -23.22%. The current EBITDA Margin % is -23.22%. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current EBITDA Margin % is -23.22% 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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