Younited FinancialFRA:HT5 8 Net Current Asset Value is €3.42 as of Dec. 2025, which is 100% below its 10-year median of 2.03. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 279 Credit Services companies, Younited Financial ranks better than 57.35% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Younited Financial's net current asset value per share for the quarter that ended in Dec. 2025 was €3.42.
The historical rank and industry rank for Younited Financial's Net Current Asset Value or its related term are showing as below:
FRA:HT5'
s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 1.71 Med: 2.03 Max: 2.03
Current: 1.71
During the past 6 years, the highest Price-to-Net-Current-Asset-Value Ratio of Younited Financial was 2.03. The lowest was 1.71. And the median was 2.03.
FRA:HT5's Price-to-Net-Current-Asset-Value is ranked better than 57.35% of 279
companies
in the Credit Services industry
Industry Median: 2.05
vs FRA:HT5: 1.71
Younited Financial (FRA:HT5) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Younited Financial Net Current Asset Value Related Terms
Younited Financial Net Current Asset Value Historical Data
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The historical data trend for Younited Financial's Net Current Asset Value 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.
FRA:HT5 vs V, MA, AXP: Net Current Asset Value Comparison
For the Credit Services subindustry, Younited Financial's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Younited Financial's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of €3.42 mean?
Younited Financial (FRA:HT5) has a Net Current Asset Value of €3.42 as of Dec. 2025. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Younited Financial and its competitors. This is 68% above median its historical median of 2.03. Over the past decade, Younited Financial's Net Current Asset Value has ranged from 1.71 to 2.03. According to the industry distribution chart, Younited Financial ranks #119 out of 279 companies in the Credit Services industry, placing it in the top 42.7%.
Is Younited Financial's Net Current Asset Value too high?
Younited Financial's current Net Current Asset Value of €3.42 is 68% above median its 10-year median of 2.03. Over the past 10 years, this metric has ranged from a low of 1.71 to a high of 2.03. Based on the distribution chart, Younited Financial ranks #119 out of 279 companies in the Credit Services industry, which is above 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 Net Current Asset Value compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #119 out of 279 companies for Net Current Asset Value. This puts Younited Financial in the upper half of its industry. The industry median Net Current Asset Value is 2.05. Historically, Younited Financial's own Net Current Asset Value has ranged from 1.71 to 2.03 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 Net Current Asset Value for a Credit Services company?
The median Net Current Asset Value among Credit Services companies is 2.05, based on 279 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Net Current Asset Value is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Net Current Asset Value is €3.42, which is 68% above median its own 10-year median of 2.03. 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 Net Current Asset Value of €3.42. The current Net Current Asset Value is €3.42, which is 68% above median its 10-year median of 2.03. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Net Current Asset Value is €3.42 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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