Younited FinancialFRA:HT5 8 3-Year ROIIC % is 41.34 as of Dec. 2025, which is 101% above its 10-year median of 20.61. GuruFocus rates FRA:HT5 with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 393 Credit Services companies, Younited Financial ranks better than 90.33% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Younited Financial's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 41.34%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Younited Financial's 3-Year ROIIC % or its related term are showing as below:
FRA:HT5's 3-Year ROIIC % is ranked better than 90.33% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs FRA:HT5: 41.34
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Younited Financial 3-Year ROIIC % Related Terms
Younited Financial 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Younited Financial's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Younited Financial's 3-Year ROIIC % falls into.
Younited Financial's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -4.5302335 (Dec. 2025) - -49.703 (Dec. 2022) )
/
( 1262.67 (Dec. 2025) - 1153.399 (Dec. 2022) )
=
45.1727665
/
109.271
=
41.34%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Younited Financial (FRA:HT5) has a 3-Year ROIIC % of 41.34 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Younited Financial and its competitors. This is 101% above median its historical median of 20.61. According to the industry distribution chart, Younited Financial ranks #38 out of 393 companies in the Credit Services industry, placing it in the top 9.7%.
Is Younited Financial's 3-Year ROIIC % too high?
Younited Financial's current 3-Year ROIIC % of 41.34 is 101% above median its 10-year median of 20.61. The Credit Services industry median 3-Year ROIIC % is 2.85. Younited Financial's value of 41.34 is 1350.5% above this industry median. Based on the distribution chart, Younited Financial ranks #38 out of 393 companies in the Credit Services industry, which is in the top quartile — a strong position 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #38 out of 393 companies for 3-Year ROIIC %. This places Younited Financial in the top 10% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.85. Younited Financial's value of 41.34 is 1350.5% above this benchmark. While the company's 10-year median is 20.61 vs. the industry median of 2.85, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Younited Financial's current 3-Year ROIIC % of 41.34 is 1350.5% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Younited Financial and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Younited Financial's current 3-Year ROIIC % is 41.34, which is 101% above median its own 10-year median of 20.61. 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 3-Year ROIIC % of 41.34. The current 3-Year ROIIC % is 41.34, which is 101% above median its 10-year median of 20.61 and 1350.5% above the Credit Services industry median of 2.85. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current 3-Year ROIIC % is 41.34 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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