Younited FinancialFRA:HT5 -2.50%16 PB Ratio is 1.13 as of Jun. 28, 2026, which is 18% below its 10-year median of 1.37. GuruFocus rates FRA:HT5 with a GF Score™ of 16/100. The stock has 1 warning sign investors should review. Among 524 Credit Services companies, Younited Financial ranks worse than 52.86% on this metric.
The historical rank and industry rank for Younited Financial's PB Ratio or its related term are showing as below:
FRA:HT5'
s PB Ratio Range Over the Past 10 Years
Min: 0.91 Med: 1.37 Max: 2.28
Current: 1.13
During the past 6 years, Younited Financial's highest PB Ratio was 2.28. The lowest was 0.91. And the median was 1.37.
FRA:HT5's PB Ratio is ranked worse than 52.86% of 524
companies
in the Credit Services industry
Industry Median: 1.07
vs FRA:HT5: 1.13
During the past 12 months, Younited Financial's average Book Value Per Share Growth Rate was -1.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 20.40% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Younited Financial was 47.20% per year. The lowest was 10.00% per year. And the median was 18.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Younited Financial PB Ratio Related Terms
Younited Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Younited Financial's PB Ratio 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.
For the Credit Services subindustry, Younited Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Younited Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Younited Financial (FRA:HT5) has a PB Ratio of 1.13 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Younited Financial and its competitors. This is 18% below median its historical median of 1.37. Over the past decade, Younited Financial's PB Ratio has ranged from 0.91 to 2.28. According to the industry distribution chart, Younited Financial ranks #277 out of 524 companies in the Credit Services industry, placing it in the top 52.9%.
Is Younited Financial's PB Ratio too high?
Younited Financial's current PB Ratio of 1.13 is 18% below median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.91 to a high of 2.28. The Credit Services industry median PB Ratio is 1.07. Younited Financial's value of 1.13 is 5.6% above this industry median. Based on the distribution chart, Younited Financial ranks #277 out of 524 companies in the Credit Services industry, which is below the industry midpoint. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #277 out of 524 companies for PB Ratio. This places Younited Financial in the lower half of its industry. The industry median PB Ratio is 1.07. Younited Financial's value of 1.13 is 5.6% above this benchmark. Historically, Younited Financial's own PB Ratio has ranged from 0.91 to 2.28 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.07, Younited Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current PB Ratio of 1.13 is 5.6% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current PB Ratio is 1.13, which is 18% below median its own 10-year median of 1.37. 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 PB Ratio of 1.13. The current PB Ratio is 1.13, which is 18% below median its 10-year median of 1.37 and 5.6% above the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current PB Ratio is 1.13 as of Jun. 28, 2026. 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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