Younited Financial (XPAR:YOUNI) OCF Margin %: -35.86% (As of Dec. 2025)

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XPAR:YOUNI Younited Financial SA XPAR:YOUNI
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What is Younited Financial OCF Margin %?

Younited Financial XPAR:YOUNI 8 OCF Margin % is -35.86% as of Dec. 2025. GuruFocus rates XPAR:YOUNI with a GF Score™ of 8/100. The stock has 1 warning sign investors should review.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Younited Financial's Cash Flow from Operations for the six months ended in Dec. 2025 was €-18.58 Mil. Younited Financial's Revenue for the six months ended in Dec. 2025 was €51.81 Mil. Therefore, Younited Financial's OCF Margin % for the quarter that ended in Dec. 2025 was -35.86%.

As of today, Younited Financial's current OCF Yield % is -18.02%.

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

XPAR:YOUNI' s OCF Margin % Range Over the Past 10 Years
Min: -775.67   Med: -302.78   Max: 239.48
Current: -54.33

During the past 6 years, the highest OCF Margin % of Younited Financial was 239.48%. The lowest was -775.67%. And the median was -302.78%.

XPAR:YOUNI's OCF Margin % is not ranked
in the Credit Services industry.
Industry Median: 2.615 vs XPAR:YOUNI: -54.33

Younited Financial OCF Margin % Related Terms

Younited Financial OCF Margin % Historical Data

* Premium members only.

The historical data trend for Younited Financial's OCF 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 OCF Margin % Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial -775.67 -413.15 239.48 -302.78 -54.33

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only 29.46 -374.23 -219.74 -74.95 -35.86

XPAR:YOUNI vs V, MA, AXP: OCF Margin % Comparison

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

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

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


XPAR:YOUNI
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Younited Financial SA XPAR:YOUNI
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

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

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-53.38/98.249
=-54.33 %

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

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-18.578/51.814
=-35.86 %

* 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 OCF Margin % →
What does a OCF Margin % of -35.86% mean?
Younited Financial (XPAR:YOUNI) has a OCF Margin % of -35.86% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Younited Financial and its competitors.
Is Younited Financial's OCF Margin % too high?
Younited Financial's current OCF Margin % is -35.86%. 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 OCF Margin % compare to V and MA?
Younited Financial's OCF Margin % of -35.86% can be compared against companies in the Credit Services industry. The industry median OCF Margin % is 2.62. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.62, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median OCF Margin % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current OCF Margin % is -35.86%. 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 (XPAR:YOUNI) has a current OCF Margin % of -35.86%. The current OCF Margin % is -35.86%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Younited Financial (XPAR:YOUNI), the current OCF Margin % is -35.86% 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

Other Exchanges HT5:Germany
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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