Younited Financial (FRA:HT5) YoY EPS Growth: 114.77% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:HT5 Younited Financial SA FRA:HT5
16 GF Score
Price €6.00
! 1 Warning Sign
View Full Analysis

What is Younited Financial YoY EPS Growth?

Younited Financial FRA:HT5 16 YoY EPS Growth is 114.77% as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 16/100. The stock has 1 warning sign investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Younited Financial's YoY EPS Growth for the quarter that ended in Dec. 2025 was 114.77%.

Younited Financial's Earnings per Share (Diluted) for the six months ended in Dec. 2025 was €0.23.

Younited Financial YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for Younited Financial's YoY EPS Growth 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 YoY EPS Growth Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial 0.00 100.00 0.00 -56.07 98.80

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
YoY EPS Growth Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 50.00 114.77
FRA:HT5
16GF Score
Younited Financial SA FRA:HT5
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Younited Financial YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

Younited Financial's YoY EPS Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(-0.04--3.34)/ | -3.34 |
=98.80 %

Younited Financial's YoY EPS Growth for the quarter that ended in Dec. 2025 is calculated as:

YoY EPS Growth (Q: Dec. 2025 )
=(Earnings per Share (Diluted) (Q: Dec. 2025 )-Earnings per Share (Diluted) (Q: Dec. 2024 )) / | Earnings per Share (Diluted) (Q: Dec. 2024 )) |
=(0.23--1.557)/ | -1.557 |
=114.77 %

* 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 YoY EPS Growth →
What does a YoY EPS Growth of 114.77% mean?
Younited Financial (FRA:HT5) has a YoY EPS Growth of 114.77% as of Dec. 2025. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Younited Financial and its competitors.
Is Younited Financial's YoY EPS Growth too high?
Younited Financial's current YoY EPS Growth is 114.77%. 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 YoY EPS Growth compare to V and MA?
Younited Financial's YoY EPS Growth of 114.77% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EPS Growth for a Credit Services company?
A good YoY EPS Growth depends on the Credit Services industry context. However, YoY EPS Growth 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 YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Younited Financial and its competitors. Younited Financial's current YoY EPS Growth is 114.77%. 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 YoY EPS Growth of 114.77%. The current YoY EPS Growth is 114.77%. 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 YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current YoY EPS Growth is 114.77% 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.
16GF Score

Get the complete analysis for FRA:HT5

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

€6.00
Price