Younited FinancialFRA:HT5 -2.50%8 Gross Margin % is 16.54% as of Dec. 2025, which is 46% below its 10-year median of 30.37. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 387 Credit Services companies, Younited Financial ranks worse than 62.02% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Younited Financial had a gross margin of 16.54% for the quarter that ended in Dec. 2025 => No sustainable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Younited Financial Gross Margin % Related Terms
Younited Financial Gross Margin % Historical Data
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The historical data trend for Younited Financial's Gross 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.
For the Credit Services subindustry, Younited Financial's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Younited Financial's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Younited Financial (FRA:HT5) has a Gross Margin % of 16.54% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Younited Financial and its competitors. This is 46% below median its historical median of 30.37. According to the industry distribution chart, Younited Financial ranks #240 out of 387 companies in the Credit Services industry, placing it in the top 62%.
Is Younited Financial's Gross Margin % too high?
Younited Financial's current Gross Margin % of 16.54% is 46% below median its 10-year median of 30.37. The Credit Services industry median Gross Margin % is 51.88. Younited Financial's value of 16.54% is 68.1% below this industry median. Based on the distribution chart, Younited Financial ranks #240 out of 387 companies in the Credit Services industry, which is below the industry midpoint. 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #240 out of 387 companies for Gross Margin %. This places Younited Financial in the lower half of its industry. The industry median Gross Margin % is 51.88. Younited Financial's value of 16.54% is 68.1% below this benchmark. While the company's 10-year median is 30.37 vs. the industry median of 51.88, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Gross Margin % of 16.54% is 68.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Gross Margin % is 16.54%, which is 46% below median its own 10-year median of 30.37. 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 Gross Margin % of 16.54%. The current Gross Margin % is 16.54%, which is 46% below median its 10-year median of 30.37 and 68.1% below the Credit Services industry median of 51.88. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Gross Margin % is 16.54% 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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