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 EV-to-EBIT is -4.66 as of Jul. 19, 2026. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 312 Credit Services companies, Younited Financial ranks worse than 320512.5% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Younited Financial's Enterprise Value for the quarter that ended in Dec. 2025 was €259.28 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Younited Financial's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 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.
Younited Financial EV-to-EBIT Related Terms
Younited Financial EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for Younited Financial's EV-to-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.
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.
Younited Financial's current Enterprise Value is €221.05 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Younited Financial's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 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.
Younited Financial (FRA:HT5) has a EV-to-EBIT of -4.66 as of Jul. 19, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #999999 out of 312 companies in the Credit Services industry.
Is Younited Financial's EV-to-EBIT too high?
Younited Financial's current EV-to-EBIT is -4.66. Based on the distribution chart, Younited Financial ranks #999999 out of 312 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #999999 out of 312 companies for EV-to-EBIT. This places Younited Financial in the lower half of its industry. The industry median EV-to-EBIT is 23.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.66, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current EV-to-EBIT is -4.66. 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 EV-to-EBIT of -4.66. The current EV-to-EBIT is -4.66. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current EV-to-EBIT is -4.66 as of Jul. 19, 2026. 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
EV-to-EBIT 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 
