Younited Financial (FRA:HT5) FCF Margin %: -35.86% (As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
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What is Younited Financial FCF Margin %?

Younited Financial FRA:HT5 -2.50% 8 FCF Margin % is -35.86% as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 531 Credit Services companies, Younited Financial ranks worse than 75.33% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Younited Financial's Free Cash Flow for the six months ended in Dec. 2025 was €-18.58 Mil. Younited Financial's Revenue for the six months ended in Dec. 2025 was €51.81 Mil. Therefore, Younited Financial's FCF Margin % for the quarter that ended in Dec. 2025 was -35.86%.

As of today, Younited Financial's current FCF Yield % is -19.09%.

The historical rank and industry rank for Younited Financial's FCF Margin % or its related term are showing as below:

FRA:HT5' s FCF Margin % Range Over the Past 10 Years
Min: -857.8   Med: -331.72   Max: 214.75
Current: -54.33

During the past 6 years, the highest FCF Margin % of Younited Financial was 214.75%. The lowest was -857.80%. And the median was -331.72%.

FRA:HT5's FCF Margin % is ranked worse than
75.33% of 531 companies
in the Credit Services industry
Industry Median: 0.24 vs FRA:HT5: -54.33

Younited Financial FCF Margin % Related Terms

Younited Financial FCF Margin % Historical Data

* Premium members only.

The historical data trend for Younited Financial's FCF Margin % 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 FCF Margin % Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial -857.80 -464.72 214.75 -331.72 -69.68

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
FCF Margin % Get a 7-Day Free Trial Premium Member Only 12.65 -403.62 -248.17 -74.95 -35.86

FRA:HT5 vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, Younited Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Younited Financial's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Younited Financial's FCF Margin % falls into.


FRA:HT5
8GF Score
Younited Financial SA FRA:HT5
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Younited Financial's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-68.464/98.249
=-69.68 %

Younited Financial's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-18.578/51.814
=-35.86 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -35.86% mean?
Younited Financial (FRA:HT5) has a FCF Margin % of -35.86% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #400 out of 531 companies in the Credit Services industry, placing it in the top 75.3%.
Is Younited Financial's FCF Margin % too high?
Younited Financial's current FCF Margin % is -35.86%. Based on the distribution chart, Younited Financial ranks #400 out of 531 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #400 out of 531 companies for FCF Margin %. This places Younited Financial in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current FCF Margin % is -35.86%. 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 FCF Margin % of -35.86%. The current FCF Margin % is -35.86%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current FCF Margin % is -35.86% 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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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