Younited Financial (FRA:HT5) Net Margin %: 14.15% (As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
8 GF Score
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What is Younited Financial Net Margin %?

Younited Financial FRA:HT5 -2.50% 8 Net Margin % is 14.15% as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 534 Credit Services companies, Younited Financial ranks worse than 79.59% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Younited Financial's Net Income for the six months ended in Dec. 2025 was €7.33 Mil. Younited Financial's Revenue for the six months ended in Dec. 2025 was €51.81 Mil. Therefore, Younited Financial's net margin for the quarter that ended in Dec. 2025 was 14.15%.

The historical rank and industry rank for Younited Financial's Net Margin % or its related term are showing as below:

FRA:HT5' s Net Margin % Range Over the Past 10 Years
Min: -166.97   Med: -113.04   Max: -1.75
Current: -1.75

FRA:HT5's Net Margin % is ranked worse than
79.59% of 534 companies
in the Credit Services industry
Industry Median: 14.52 vs FRA:HT5: -1.75

Younited Financial  (FRA:HT5) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Younited Financial Net Margin % Related Terms

Younited Financial Net Margin % Historical Data

* Premium members only.

The historical data trend for Younited Financial's Net 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.

Younited Financial Net Margin % Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial -144.46 -166.97 -48.82 -113.04 -1.75

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Margin % Get a 7-Day Free Trial Premium Member Only -31.15 -32.02 -207.20 -19.49 14.15

FRA:HT5 vs V, MA, AXP: Net Margin % Comparison

For the Credit Services subindustry, Younited Financial's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Younited Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where Younited Financial's Net Margin % falls into.


FRA:HT5
8GF Score
Younited Financial SA FRA:HT5
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Younited Financial's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-1.716/98.249
=-1.75 %

Younited Financial's Net Margin for the quarter that ended in Dec. 2025 is calculated as

Net Margin=Net Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=7.334/51.814
=14.15 %

* 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 Net Margin % →
What does a Net Margin % of 14.15% mean?
Younited Financial (FRA:HT5) has a Net Margin % of 14.15% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #425 out of 534 companies in the Credit Services industry, placing it in the top 79.6%.
Is Younited Financial's Net Margin % too high?
Younited Financial's current Net Margin % is 14.15%. The Credit Services industry median Net Margin % is 14.52. Younited Financial's value of 14.15% is 2.5% below this industry median. Based on the distribution chart, Younited Financial ranks #425 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #425 out of 534 companies for Net Margin %. This places Younited Financial in the lower half of its industry. The industry median Net Margin % is 14.52. Younited Financial's value of 14.15% is 2.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Net Margin % of 14.15% is 2.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Net Margin % is 14.15%. 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 Margin % of 14.15%. The current Net Margin % is 14.15% and 2.5% below the Credit Services industry median of 14.52. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Net Margin % is 14.15% 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.
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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