Younited Financial (FRA:HT5) Retained Earnings: €-328.04 Mil (As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
8 GF Score
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What is Younited Financial Retained Earnings?

Younited Financial FRA:HT5 8 Retained Earnings is €-328.04 Mil as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Younited Financial's retained earnings for the quarter that ended in Dec. 2025 was €-328.04 Mil.

Younited Financial's quarterly retained earnings increased from Dec. 2024 (€-326.32 Mil) to Jun. 2025 (€-9.05 Mil) but then declined from Jun. 2025 (€-9.05 Mil) to Dec. 2025 (€-328.04 Mil).

Younited Financial's annual retained earnings declined from Dec. 2023 (€-49.68 Mil) to Dec. 2024 (€-326.32 Mil) and declined from Dec. 2024 (€-326.32 Mil) to Dec. 2025 (€-328.04 Mil).


Younited Financial  (FRA:HT5) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Younited Financial Retained Earnings Historical Data

* Premium members only.

The historical data trend for Younited Financial's Retained Earnings 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 Retained Earnings Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial -22.76 -78.92 -49.68 -326.32 -328.04

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only -49.68 -12.70 -326.32 -9.05 -328.04
FRA:HT5
8GF Score
Younited Financial SA FRA:HT5
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of €-328.04 Mil mean?
Younited Financial (FRA:HT5) has a Retained Earnings of €-328.04 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Younited Financial and its competitors.
Is Younited Financial's Retained Earnings too high?
Younited Financial's current Retained Earnings is €-328.04 Mil. 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 Retained Earnings compare to V and MA?
Younited Financial's Retained Earnings of €-328.04 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 Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Younited Financial and its competitors. Younited Financial's current Retained Earnings is €-328.04 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 Retained Earnings of €-328.04 Mil. The current Retained Earnings is €-328.04 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Retained Earnings is €-328.04 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 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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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