Younited FinancialFRA:HT5 -2.50%8 Quick Ratio is 14.51 as of Dec. 2025, which is 19% below its 10-year median of 17.84. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 394 Credit Services companies, Younited Financial ranks better than 60.41% on this metric.
Younited Financial has a quick ratio of 14.51. It generally indicates good short-term financial strength.
The historical rank and industry rank for Younited Financial's Quick Ratio or its related term are showing as below:
FRA:HT5'
s Quick Ratio Range Over the Past 10 Years
Min: 14.51 Med: 17.84 Max: 19.83
Current: 14.51
During the past 6 years, Younited Financial's highest Quick Ratio was 19.83. The lowest was 14.51. And the median was 17.84.
FRA:HT5's Quick Ratio is ranked better than 60.41% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs FRA:HT5: 14.51
Younited Financial (FRA:HT5) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Younited Financial Quick Ratio Related Terms
Younited Financial Quick Ratio Historical Data
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The historical data trend for Younited Financial's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Younited Financial's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Younited Financial's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 14.51 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Younited Financial and its competitors. This is 19% below median its historical median of 17.84. Over the past decade, Younited Financial's Quick Ratio has ranged from 14.51 to 19.83. According to the industry distribution chart, Younited Financial ranks #156 out of 394 companies in the Credit Services industry, placing it in the top 39.6%.
Is Younited Financial's Quick Ratio too high?
Younited Financial's current Quick Ratio of 14.51 is 19% below median its 10-year median of 17.84. Over the past 10 years, this metric has ranged from a low of 14.51 to a high of 19.83. The Credit Services industry median Quick Ratio is 4.86. Younited Financial's value of 14.51 is 198.9% above this industry median. Based on the distribution chart, Younited Financial ranks #156 out of 394 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #156 out of 394 companies for Quick Ratio. This puts Younited Financial in the upper half of its industry. The industry median Quick Ratio is 4.86. Younited Financial's value of 14.51 is 198.9% above this benchmark. Historically, Younited Financial's own Quick Ratio has ranged from 14.51 to 19.83 over the past decade. While the company's 10-year median is 17.84 vs. the industry median of 4.86, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Quick Ratio of 14.51 is 198.9% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Quick Ratio is 14.51, which is 19% below median its own 10-year median of 17.84. 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 Quick Ratio of 14.51. The current Quick Ratio is 14.51, which is 19% below median its 10-year median of 17.84 and 198.9% above the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Quick Ratio is 14.51 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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