Younited Financial (FRA:HT5) ROE % Adjusted to Book Value: 4.54% (As of Dec. 2025)


FRA:HT5 Younited Financial SA FRA:HT5
16 GF Score
Price €5.85
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What is Younited Financial ROE % Adjusted to Book Value?

Younited Financial FRA:HT5 -2.50% 16 ROE % Adjusted to Book Value is 4.54% as of Dec. 2025. GuruFocus rates FRA:HT5 with a GF Score™ of 16/100. The stock has 1 warning sign investors should review.

Younited Financial's ROE % for the quarter that ended in Dec. 2025 was 6.08%. Younited Financial's PB Ratio for the quarter that ended in Dec. 2025 was 1.34. Younited Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 4.54%.

Younited Financial ROE % Adjusted to Book Value Related Terms

Younited Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Younited Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Younited Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 -0.52

Younited Financial Semi-Annual Data
Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 -3.99 4.54

FRA:HT5 vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Younited Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Younited Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Younited Financial's ROE % Adjusted to Book Value falls into.


FRA:HT5
16GF Score
Younited Financial SA FRA:HT5
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Younited Financial ROE % Adjusted to Book Value Calculation

Younited Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-0.70% / 1.34
=-0.52%

Younited Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.08% / 1.34
=4.54%

* 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.

What does a ROE % Adjusted to Book Value of 4.54% mean?
Younited Financial (FRA:HT5) has a ROE % Adjusted to Book Value of 4.54% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Younited Financial and its competitors.
Is Younited Financial's ROE % Adjusted to Book Value too high?
Younited Financial's current ROE % Adjusted to Book Value is 4.54%. 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 ROE % Adjusted to Book Value compare to V and MA?
Younited Financial's ROE % Adjusted to Book Value of 4.54% 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 ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Younited Financial and its competitors. Younited Financial's current ROE % Adjusted to Book Value is 4.54%. 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 ROE % Adjusted to Book Value of 4.54%. The current ROE % Adjusted to Book Value is 4.54%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current ROE % Adjusted to Book Value is 4.54% 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.
16GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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