Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pretax income is the income that a company earns before paying income taxes. Younited Financial's pretax income for the
six
months ended in Dec. 2025 was €-8.78 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Dec. 2025 was €-17.97 Mil.
Younited Financial's pretax margin was -16.94%.
During the past 6 years, Younited Financial's highest Pretax Margin was -18.29%. The lowest was -166.43%. And the median was -112.41%.
During the past 6 years, Younited Financial's highest Pretax Margin was -18.29%. The lowest was -166.43%. And the median was -112.41%.
* 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 Pre-Tax Income Related Terms
Younited Financial Pre-Tax Income Historical Data
* Premium members only.
The historical data trend for Younited Financial's Pre-Tax Income 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 Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where Younited Financial's Pre-Tax Income falls into.
Pre-Tax Income for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €-17.97 Mil.
* 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 (FRA:HT5) has a Pre-Tax Income of €-17.97 Mil as of Dec. 2025. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Younited Financial and its competitors.
Is Younited Financial's Pre-Tax Income too high?
Younited Financial's current Pre-Tax Income is €-17.97 Mil. 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 Pre-Tax Income compare to V and MA?
Younited Financial's Pre-Tax Income of €-17.97 Mil 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 Pre-Tax Income for a Credit Services company?
A good Pre-Tax Income depends on the Credit Services industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Younited Financial and its competitors. Younited Financial's current Pre-Tax Income is €-17.97 Mil. 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 Pre-Tax Income of €-17.97 Mil. The current Pre-Tax Income is €-17.97 Mil. 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 Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Pre-Tax Income is €-17.97 Mil 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.
16GF Score
Get the complete analysis for FRA:HT5
Pre-Tax Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:HT5 has been successfully added to your 
