Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Younited Financial's operating assets for the quarter that ended in Dec. 2025 was €1,281.77 Mil. Younited Financial's operating liabilities for the quarter that ended in Dec. 2025 was €1,106.29 Mil. Younited Financial's Total Assets for the quarter that ended in Jun. 2025 was €1,470.44 Mil. Therefore, Younited Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.12.
Younited Financial Scaled Net Operating Assets Related Terms
Younited Financial Scaled Net Operating Assets Historical Data
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The historical data trend for Younited Financial's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart
FRA:HT5 vs V, MA, AXP: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Younited Financial's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Younited Financial's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of 0.12 mean?
Younited Financial (FRA:HT5) has a Scaled Net Operating Assets of 0.12 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Younited Financial and its competitors.
Is Younited Financial's Scaled Net Operating Assets too high?
Younited Financial's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to V and MA?
Younited Financial's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Younited Financial and its competitors. Younited Financial's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets of 0.12. The current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Younited Financial (FRA:HT5), the current Scaled Net Operating Assets is 0.12 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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