Younited FinancialFRA:HT5 -2.50%8 EV-to-FCF is -3.87 as of Jun. 28, 2026. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 265 Credit Services companies, Younited Financial ranks worse than 377358.11% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Younited Financial's Enterprise Value is €206.72 Mil.
Younited Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-53.38 Mil. Therefore, Younited Financial's EV-to-FCF for today is -3.87.
The historical rank and industry rank for Younited Financial's EV-to-FCF or its related term are showing as below:
FRA:HT5'
s EV-to-FCF Range Over the Past 10 Years
Min: -3.87 Med: -0.99 Max: -0.44
Current: -3.87
During the past 6 years, the highest EV-to-FCF of Younited Financial was -0.44. The lowest was -3.87. And the median was -0.99.
FRA:HT5's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs FRA:HT5: -3.87
EV-to-FCF 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-FCF 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 €5.85.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Younited Financial EV-to-FCF Related Terms
Younited Financial EV-to-FCF Historical Data
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The historical data trend for Younited Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Younited Financial's EV-to-FCF falls into.
Younited Financial's current Enterprise Value is €206.72 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Younited Financial's Free Cash Flow 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-FCF of -3.87 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #999999 out of 265 companies in the Credit Services industry.
Is Younited Financial's EV-to-FCF too high?
Younited Financial's current EV-to-FCF is -3.87. Based on the distribution chart, Younited Financial ranks #999999 out of 265 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-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #999999 out of 265 companies for EV-to-FCF. This places Younited Financial in the lower half of its industry. The industry median EV-to-FCF is 13.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current EV-to-FCF is -3.87. 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-FCF of -3.87. The current EV-to-FCF is -3.87. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current EV-to-FCF is -3.87 as of Jun. 28, 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.
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