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Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Younited Financial's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €248.34 Mil. Younited Financial's Total Assets for the quarter that ended in Dec. 2025 was €1,530.80 Mil.
Therefore, Younited Financial's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.16.
The historical rank and industry rank for Younited Financial's Equity-to-Asset or its related term are showing as below:
FRA:HT5'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 0.24
Current: 0.16
During the past 6 years, the highest Equity to Asset Ratio of Younited Financial was 0.24. The lowest was 0.10. And the median was 0.15.
FRA:HT5's Equity-to-Asset is not ranked
in the Credit Services industry.
Industry Median: 0.4
vs FRA:HT5: 0.16
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Younited Financial Equity-to-Asset Related Terms
Younited Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Younited Financial's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Younited Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Younited Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.16 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Younited Financial and its competitors. This is near median its historical median of 0.15. Over the past decade, Younited Financial's Equity-to-Asset has ranged from 0.10 to 0.24.
Is Younited Financial's Equity-to-Asset too high?
Younited Financial's current Equity-to-Asset of 0.16 is near median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.24. The Credit Services industry median Equity-to-Asset is 0.40. Younited Financial's value of 0.16 is 60% below this industry median. 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 Equity-to-Asset compare to V and MA?
Younited Financial's Equity-to-Asset of 0.16 can be compared against companies in the Credit Services industry. The industry median Equity-to-Asset is 0.40. Younited Financial's value of 0.16 is 60% below this benchmark. Historically, Younited Financial's own Equity-to-Asset has ranged from 0.10 to 0.24 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.40, Younited Financial has consistently been below 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Equity-to-Asset of 0.16 is 60% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Equity-to-Asset is 0.16, which is near median its own 10-year median of 0.15. 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 Equity-to-Asset of 0.16. The current Equity-to-Asset is 0.16, which is near median its 10-year median of 0.15 and 60% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Equity-to-Asset is 0.16 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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