Younited FinancialFRA:HT5 +0.85%8 Forward PE Ratio is 25.91 as of Jul. 09, 2026. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 187 Credit Services companies, Younited Financial ranks worse than 94.65% on this metric.
Younited Financial (FRA:HT5) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Younited Financial Forward PE Ratio Related Terms
Younited Financial Forward PE Ratio Historical Data
* Premium members only.
The historical data trend for Younited Financial's Forward PE Ratio 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 Forward PE Ratio Chart
Younited Financial Annual Data
Trend
Forward PE Ratio
Younited Financial Semi-Annual Data
Forward PE Ratio
FRA:HT5 vs V, MA, AXP: Forward PE Ratio Comparison
For the Credit Services subindustry, Younited Financial's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Younited Financial's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Younited Financial (FRA:HT5) has a Forward PE Ratio of 25.91 as of Jul. 09, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #177 out of 187 companies in the Credit Services industry, placing it in the top 94.7%.
Is Younited Financial's Forward PE Ratio too high?
Younited Financial's current Forward PE Ratio is 25.91. The Credit Services industry median Forward PE Ratio is 9.81. Younited Financial's value of 25.91 is 164.1% above this industry median. Based on the distribution chart, Younited Financial ranks #177 out of 187 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 Forward PE Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #177 out of 187 companies for Forward PE Ratio. This places Younited Financial in the lower half of its industry. The industry median Forward PE Ratio is 9.81. Younited Financial's value of 25.91 is 164.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Credit Services company?
The median Forward PE Ratio among Credit Services companies is 9.81, based on 187 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Forward PE Ratio of 25.91 is 164.1% above 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Forward PE Ratio is 9.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Forward PE Ratio is 25.91. 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 Forward PE Ratio of 25.91. The current Forward PE Ratio is 25.91 and 164.1% above the Credit Services industry median of 9.81. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Forward PE Ratio is 25.91 as of Jul. 09, 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
Forward PE Ratio 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 