YOUNITED FINANCIAL (YOUNI.AS) Fundamental Analysis & Valuation

AMS:YOUNI • LU2999653251

Current stock price

6.2 EUR
-0.1 (-1.59%)
Last:

This YOUNI.AS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. YOUNI.AS Profitability Analysis

1.1 Basic Checks

  • YOUNI had negative earnings in the past year.
  • YOUNI had a negative operating cash flow in the past year.
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

  • YOUNI's Return On Assets of -5.43% is on the low side compared to the rest of the industry. YOUNI is outperformed by 87.50% of its industry peers.
  • With a Return On Equity value of -34.06%, YOUNI is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -5.43%
ROE -34.06%
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

  • The Profit Margin and Operating Margin and Gross Margin are not available for YOUNI so they could not be analyzed.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. YOUNI.AS Health Analysis

2.1 Basic Checks

  • YOUNI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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

  • There is no outstanding debt for YOUNI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.63%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. YOUNI.AS Growth Analysis

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%50%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%41.66%

3.2 Future

  • Based on estimates for the next years, YOUNI will show a very strong growth in Earnings Per Share. The EPS will grow by 30.85% on average per year.
  • Based on estimates for the next years, YOUNI will show a very strong growth in Revenue. The Revenue will grow by 30.87% on average per year.
EPS Next Y85.53%
EPS Next 2Y44.22%
EPS Next 3Y30.85%
EPS Next 5YN/A
Revenue Next Year56.67%
Revenue Next 2Y37.98%
Revenue Next 3Y30.87%
Revenue Next 5YN/A

3.3 Evolution

YOUNI.AS Yearly Revenue VS EstimatesYOUNI.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2024 2025 2026 2027 50M 100M 150M 200M
YOUNI.AS Yearly EPS VS EstimatesYOUNI.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 0.2 -0.2 0.4 -0.4 0.6 0.8

More info and screens

Find the best growth stocksShow best growing peers

2

4. YOUNI.AS Valuation Analysis

4.1 Price/Earnings Ratio

  • YOUNI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 23.15 indicates a rather expensive valuation of YOUNI.
  • 75.00% of the companies in the same industry are cheaper than YOUNI, based on the Price/Forward Earnings ratio.
  • YOUNI is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 23.15
YOUNI.AS Price Earnings VS Forward Price EarningsYOUNI.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as YOUNI's earnings are expected to grow with 30.85% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.22%
EPS Next 3Y30.85%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. YOUNI.AS Dividend Analysis

5.1 Amount

  • YOUNI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

YOUNI.AS Fundamentals: All Metrics, Ratios and Statistics

YOUNITED FINANCIAL

AMS:YOUNI (2/26/2026, 7:00:00 PM)

6.2

-0.1 (-1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap418.38M
Revenue(TTM)118.61M
Net Income(TTM)-79.78M
Analysts40
Price Target8.67 (39.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)0%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 23.15
P/S 3.53
P/FCF N/A
P/OCF N/A
P/B 1.79
P/tB 2.06
EV/EBITDA N/A
EPS(TTM)-3.07
EYN/A
EPS(NY)0.27
Fwd EY4.32%
FCF(TTM)-1.45
FCFYN/A
OCF(TTM)-1.63
OCFYN/A
SpS1.76
BVpS3.47
TBVpS3.01
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -5.43%
ROE -34.06%
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
ROICexgc growth 3YN/A
ROICexgc 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-ScoreN/A
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
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-ScoreN/A
WACC7.63%
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%50%
EPS Next Y85.53%
EPS Next 2Y44.22%
EPS Next 3Y30.85%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%41.66%
Revenue Next Year56.67%
Revenue Next 2Y37.98%
Revenue Next 3Y30.87%
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

YOUNITED FINANCIAL / YOUNI.AS Fundamental Analysis FAQ

What is the fundamental rating for YOUNI stock?

ChartMill assigns a fundamental rating of 2 / 10 to YOUNI.AS.


What is the valuation status of YOUNITED FINANCIAL (YOUNI.AS) stock?

ChartMill assigns a valuation rating of 2 / 10 to YOUNITED FINANCIAL (YOUNI.AS). This can be considered as Overvalued.


How profitable is YOUNITED FINANCIAL (YOUNI.AS) stock?

YOUNITED FINANCIAL (YOUNI.AS) has a profitability rating of 0 / 10.


What is the financial health of YOUNITED FINANCIAL (YOUNI.AS) stock?

The financial health rating of YOUNITED FINANCIAL (YOUNI.AS) is 4 / 10.