Younited FinancialFRA:HT5 -2.50%8 ROE % is 6.08% 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 529 Credit Services companies, Younited Financial ranks worse than 80.15% on this metric.
The historical rank and industry rank for Younited Financial's ROE % or its related term are showing as below:
FRA:HT5'
s ROE % Range Over the Past 10 Years
Min: -49.34 Med: -34.99 Max: -0.7
Current: -0.71
During the past 6 years, Younited Financial's highest ROE % was -0.70%. The lowest was -49.34%. And the median was -34.99%.
FRA:HT5's ROE % is ranked worse than 80.15% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:HT5: -0.71
Younited Financial (FRA:HT5) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Younited Financial ROE % Related Terms
Younited Financial ROE % Historical Data
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The historical data trend for Younited Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Younited Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Younited Financial (FRA:HT5) has a ROE % of 6.08% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Younited Financial and its competitors. According to the industry distribution chart, Younited Financial ranks #424 out of 529 companies in the Credit Services industry, placing it in the top 80.2%.
Is Younited Financial's ROE % too high?
Younited Financial's current ROE % is 6.08%. The Credit Services industry median ROE % is 6.61. Younited Financial's value of 6.08% is 8% below this industry median. Based on the distribution chart, Younited Financial ranks #424 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #424 out of 529 companies for ROE %. This places Younited Financial in the lower half of its industry. The industry median ROE % is 6.61. Younited Financial's value of 6.08% is 8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current ROE % of 6.08% is 8% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current ROE % is 6.08%. 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 % of 6.08%. The current ROE % is 6.08% and 8% below the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current ROE % is 6.08% 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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