Younited Financial (FRA:HT5) GF Score: 16/100 (As of Jun. 29, 2026) — Near Median


FRA:HT5 Younited Financial SA FRA:HT5
16 GF Score
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What is Younited Financial GF Score?

Younited Financial FRA:HT5 -2.50% 16 GF Score is 16 as of Jun. 29, 2026, which is 6% below its 10-year median of 17.00. GuruFocus rates FRA:HT5 with a GF Score™ of 16/100. The stock has 1 warning sign investors should review.

Younited Financial has the GF Score of 16, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 4/10
2. Profitability Rank : 1/10
3. Growth Rank : 0/10
4. GF Value Rank : 0/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Younited Financial might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Younited Financial  (FRA:HT5) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Younited Financial GF Score Related Terms

FRA:HT5 vs V, MA, AXP: GF Score Comparison

For the Credit Services subindustry, Younited Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Younited Financial's GF Score distribution charts can be found below:

* The bar in red indicates where Younited Financial's GF Score falls into.


FRA:HT5
16GF Score
Younited Financial SA FRA:HT5
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 16 mean?
Younited Financial (FRA:HT5) has a GF Score of 16 as of Jun. 29, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Younited Financial and its competitors. This is near median its historical median of 17.00. Over the past decade, Younited Financial's GF Score has ranged from 2.00 to 20.00.
Is Younited Financial's GF Score too high?
Younited Financial's current GF Score of 16 is near median its 10-year median of 17.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 20.00. Overall, Younited Financial has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Younited Financial's GF Score compare to V and MA?
Younited Financial's GF Score of 16 can be compared against companies in the Credit Services industry. Historically, Younited Financial's own GF Score has ranged from 2.00 to 20.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Younited Financial and its competitors. Younited Financial's current GF Score is 16, which is near median its own 10-year median of 17.00. 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 GF Score of 16. The current GF Score is 16, which is near median its 10-year median of 17.00. Younited Financial's overall GF Score™ is 16/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current GF Score is 16 as of Jun. 29, 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 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.
16GF Score

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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