Younited Financial (FRA:HT5) LT-Debt-to-Total-Asset: 0.08 (As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
16 GF Score
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What is Younited Financial LT-Debt-to-Total-Asset?

Younited Financial FRA:HT5 -2.50% 16 LT-Debt-to-Total-Asset is 0.08 as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 16/100. The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Younited Financial's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.08.

Younited Financial's long-term debt to total assets ratio increased from Dec. 2024 (0.05) to Dec. 2025 (0.08). It may suggest that Younited Financial is progressively becoming more dependent on debt to grow their business.

Younited Financial  (FRA:HT5) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Younited Financial LT-Debt-to-Total-Asset Related Terms

Younited Financial LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Younited Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.02 0.05 0.85 0.05 0.08

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only 0.85 0.07 0.05 0.05 0.08
FRA:HT5
16GF Score
Younited Financial SA FRA:HT5
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial LT-Debt-to-Total-Asset Calculation

Younited Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=114.434/1530.798
=0.07

Younited Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=114.434/1530.798
=0.07

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.08 mean?
Younited Financial (FRA:HT5) has a LT-Debt-to-Total-Asset of 0.08 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Younited Financial and its competitors.
Is Younited Financial's LT-Debt-to-Total-Asset too high?
Younited Financial's current LT-Debt-to-Total-Asset is 0.08. 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 LT-Debt-to-Total-Asset compare to V and MA?
Younited Financial's LT-Debt-to-Total-Asset of 0.08 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Younited Financial and its competitors. Younited Financial's current LT-Debt-to-Total-Asset is 0.08. 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 LT-Debt-to-Total-Asset of 0.08. The current LT-Debt-to-Total-Asset is 0.08. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current LT-Debt-to-Total-Asset is 0.08 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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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