Younited Financial (FRA:HT5) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
8 GF Score
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What is Younited Financial Effective Interest Rate on Debt %?

Younited Financial FRA:HT5 8 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Younited Financial's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.00 Mil. Younited Financial's average total debt for the quarter that ended in Dec. 2025 was €123.70 Mil. Therefore, Younited Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 0.00%.

Younited Financial  (FRA:HT5) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Younited Financial Effective Interest Rate on Debt % Related Terms

Younited Financial Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Younited Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 0.00 0.00

FRA:HT5 vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Younited Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Younited Financial's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Younited Financial's Effective Interest Rate on Debt % falls into.


FRA:HT5
8GF Score
Younited Financial SA FRA:HT5
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial Effective Interest Rate on Debt % Calculation

Younited Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  0/( (73.616+176.17)/ 2 )
=-1  *  0/124.893
=0.00 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=64.309 + 9.307
=73.616

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=114.434 + 61.736
=176.17

Younited Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  0/( (71.224+176.17)/ 2 )
=-1  *  0/123.697
=0.00 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=71.224 + 0
=71.224

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=114.434 + 61.736
=176.17

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.00% mean?
Younited Financial (FRA:HT5) has a Effective Interest Rate on Debt % of 0.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Younited Financial and its competitors.
Is Younited Financial's Effective Interest Rate on Debt % too high?
Younited Financial's current Effective Interest Rate on Debt % is 0.00%. 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 Effective Interest Rate on Debt % compare to V and MA?
Younited Financial's Effective Interest Rate on Debt % of 0.00% 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 Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Younited Financial and its competitors. Younited Financial's current Effective Interest Rate on Debt % is 0.00%. 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 Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Effective Interest Rate on Debt % is 0.00% 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.
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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