Younited FinancialFRA:HT5 8 Return-on-Tangible-Equity is 7.26% as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 525 Credit Services companies, Younited Financial ranks worse than 80.76% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Younited Financial's annualized net income for the quarter that ended in Dec. 2025 was €14.67 Mil. Younited Financial's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €201.95 Mil. Therefore, Younited Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 7.26%.
The historical rank and industry rank for Younited Financial's Return-on-Tangible-Equity or its related term are showing as below:
FRA:HT5'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -58 Med: -45.66 Max: -0.85
Current: -0.85
During the past 6 years, Younited Financial's highest Return-on-Tangible-Equity was -0.85%. The lowest was -58.00%. And the median was -45.66%.
FRA:HT5's Return-on-Tangible-Equity is ranked worse than 80.76% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs FRA:HT5: -0.85
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Younited Financial Return-on-Tangible-Equity Related Terms
Younited Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Younited Financial's Return-on-Tangible-Equity 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.
FRA:HT5 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Younited Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Younited Financial's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.26% mean?
Younited Financial (FRA:HT5) has a Return-on-Tangible-Equity of 7.26% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #424 out of 525 companies in the Credit Services industry, placing it in the top 80.8%.
Is Younited Financial's Return-on-Tangible-Equity too high?
Younited Financial's current Return-on-Tangible-Equity is 7.26%. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Younited Financial's value of 7.26% is 3.6% above this industry median. Based on the distribution chart, Younited Financial ranks #424 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #424 out of 525 companies for Return-on-Tangible-Equity. This places Younited Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Younited Financial's value of 7.26% is 3.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current Return-on-Tangible-Equity of 7.26% is 3.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current Return-on-Tangible-Equity is 7.26%. 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 Return-on-Tangible-Equity of 7.26%. The current Return-on-Tangible-Equity is 7.26% and 3.6% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Return-on-Tangible-Equity is 7.26% 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.
8GF Score
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