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YOUNITED FINANCIAL (YOUNI.AS) Stock Fundamental Analysis

AMS:YOUNI - Euronext Amsterdam - LU2999653251 - Common Stock - Currency: EUR

10.3  0 (0%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to YOUNI. YOUNI was compared to 8 industry peers in the Consumer Finance industry. The financial health of YOUNI is average, but there are quite some concerns on its profitability. YOUNI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year YOUNI was profitable.
In the past year YOUNI has reported a negative cash flow from operations.
YOUNI.AS Yearly Net Income VS EBIT VS OCF VS FCFYOUNI.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 0 100M -100M 200M -200M

1.2 Ratios

The Return On Assets of YOUNI (0.31%) is worse than 62.50% of its industry peers.
Looking at the Return On Equity, with a value of 1.59%, YOUNI is doing worse than 62.50% of the companies in the same industry.
Industry RankSector Rank
ROA 0.31%
ROE 1.59%
ROIC N/A
ROA(3y)-2.92%
ROA(5y)N/A
ROE(3y)10.67%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
YOUNI.AS Yearly ROA, ROE, ROICYOUNI.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 0 50 100

1.3 Margins

YOUNI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
YOUNI.AS Yearly Profit, Operating, Gross MarginsYOUNI.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 -20 -40 -60 -80

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4

2. Health

2.1 Basic Checks

Compared to 1 year ago, YOUNI has less shares outstanding
YOUNI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
YOUNI.AS Yearly Shares OutstandingYOUNI.AS Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 10M 20M 30M 40M 50M
YOUNI.AS Yearly Total Debt VS Total AssetsYOUNI.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

YOUNI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
YOUNI.AS Yearly LT Debt VS Equity VS FCFYOUNI.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 100M -100M 200M -200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
YOUNI.AS Yearly Current Assets VS Current LiabilitesYOUNI.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 50M 100M 150M 200M

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3. Growth

3.1 Past

YOUNI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.53%.
EPS 1Y (TTM)-56.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
YOUNI.AS Yearly Revenue VS EstimatesYOUNI.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2024 20M 40M 60M 80M

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1

4. Valuation

4.1 Price/Earnings Ratio

YOUNI is valuated quite expensively with a Price/Earnings ratio of 147.14.
Based on the Price/Earnings ratio, YOUNI is valued a bit more expensive than 62.50% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.50, YOUNI is valued quite expensively.
Industry RankSector Rank
PE 147.14
Fwd PE N/A
YOUNI.AS Price Earnings VS Forward Price EarningsYOUNI.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, YOUNI is valued a bit cheaper than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 26.57
YOUNI.AS Per share dataYOUNI.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for YOUNI!.
Industry RankSector Rank
Dividend Yield N/A

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YOUNITED FINANCIAL

AMS:YOUNI (7/18/2025, 7:00:00 PM)

10.3

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap673.93M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 147.14
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B 2.83
P/tB 3.3
EV/EBITDA 26.57
EPS(TTM)0.07
EY0.68%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-3.74
FCFYN/A
OCF(TTM)-3.42
OCFYN/A
SpS0
BVpS3.64
TBVpS3.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 1.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-2.92%
ROA(5y)N/A
ROE(3y)10.67%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 78.34%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-56.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-212.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-191.7%
OCF growth 3YN/A
OCF growth 5YN/A