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.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Younited Financial's Enterprise Value is €225.83 Mil.
Younited Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €-53.38 Mil. Therefore, Younited Financial's EV-to-OCF for today is -4.23.
The historical rank and industry rank for Younited Financial's EV-to-OCF or its related term are showing as below:
FRA:HT5'
s EV-to-OCF Range Over the Past 10 Years
Min: -4.34 Med: -1.13 Max: -0.48
Current: -4.19
During the past 6 years, the highest EV-to-OCF of Younited Financial was -0.48. The lowest was -4.34. And the median was -1.13.
FRA:HT5's EV-to-OCF is not ranked
in the Credit Services industry.
Industry Median: -0.865
vs FRA:HT5: -4.19
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Younited Financial's PE Ratio (TTM) for today is calculated as:
Younited Financial's share price for today is €6.25.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Younited Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Younited Financial EV-to-OCF Related Terms
Younited Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Younited Financial's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Younited Financial's EV-to-OCF falls into.
Younited Financial's current Enterprise Value is €225.83 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Younited Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €-53.38 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-OCF of -4.23 as of Aug. 12, 2026.
Is Younited Financial's EV-to-OCF too high?
Younited Financial's current EV-to-OCF is -4.23. 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-OCF compare to V and MA?
Younited Financial's EV-to-OCF of -4.23 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 EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Younited Financial's current EV-to-OCF is -4.23. 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-OCF of -4.23. The current EV-to-OCF is -4.23. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current EV-to-OCF is -4.23 as of Aug. 12, 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-OCF 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 
