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Younited Financial S.A.

Younited Financial S.A.

HT5 · F · Financial Services / Credit Services

5.95EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close5.95
Open5.90
Day Range5.90 – 6.05
52-Week Range4.66 – 7.40
Volume0
Market Cap281.96M
P/E (TTM)21.85
Forward P/E0.00
EPS0.27
Dividend Yield0.00%
50-Day Avg6.14
200-Day Avg6.32

About

Younited Financial S.A. provides consumer credit services in France, Italy, Spain, Portugal, and internationally. The company offers credit and point-of-sale financing; open banking services; insurance product distribution; and credit protection insurance products, including life, disability, and unemployment coverage, as well as affinity insurance products. It also provides unsecured personal loans; budget advisory services; and daily banking services, such as current accounts, payment cards, savings products and cashback solutions delivered through a digital mobile and web application. Younited Financial S.A. is based in Luxembourg, Luxembourg.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Charles Egly
  • Employees479
  • Headquarters17 Boulevard Friedrich Wilhelm Raiffeisen, Luxembourg, Luxembourg, 2411, Germany
  • Websitehttps://www.younited.com

Leadership

  • Mr. Charles EglyFounder & CEO · b. 1979
  • Mr. Geoffroy GuigouDeputy CEO & Founder
  • Mr. Naren RamachandranGroup Chief Financial Officer · b. 1978
  • Pierre-Marin CampenonChief Operating Officer
  • Mr. Stephane AlizonChief Technology Officer
  • Veronique Moussu-BaajHead of Compliance & Internal Control
  • Vigdis FlatenChief People & Impact Officer
  • Francois de BodinatChief Product Officer
  • Bilal TalebHead of Credit Risk
  • Michael HerschleinChief Executive Officer of Germany

Financials

Income Statement

Currency: EUR2021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue15.76M99.00K101.75M8.83M3.74M
Growth (%)--99.37%+102682.83%-91.32%-57.71%
Cost of Revenue23.98M32.91M47.35M55.54M57.34M
Gross Profit-8.22M-32.81M-40.79M-46.71M-53.60M
Gross Margin-52.20%-33142.42%-40.08%-528.73%-1434.69%
Operating Expense49.17M64.06M67.49M76.10M88.35M
Operating Income-57.40M-96.87M-108.27M-122.81M-141.95M
Operating Margin-364.26%-97848.48%-106.41%-1390.21%-3799.52%
EBITDA--81.45M-86.59M-95.54M-115.53M
EBITDA Margin--82274.75%-85.10%-1081.51%-3092.34%
Net Income-22.76M-78.92M-49.68M-83.44M-1.72M
Net Income Margin-144.46%-79715.15%-48.82%-944.52%-45.93%

Balance Sheet

Currency: EUR2021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets754.26M1.22B1.40B1.22B1.53B
Total Liabilities574.98M1.08B1.26B985.97M1.28B
Total Equity179.28M140.58M143.38M238.47M248.34M
Cash9.00K508.00K236.76M193.43M169.08M
Net Debt508.01M59.51M949.53M699.90M-

Cash Flow

Currency: EUR2021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-122.22M-195.28M243.68M-223.49M-53.38M
Capital Expenditure12.94M24.38M25.16M21.36M15.08M
Free Cash Flow-135.16M-219.65M218.51M-244.85M-68.46M
FCF to OCF110.59%112.48%89.67%109.56%128.26%

Key Statistics & Ratios

Market Cap281.96M
Enterprise Value348.65M
Trailing P/E21.85
Forward P/E0.00
Price / Sales2.65
Price / Book1.13
EPS0.27
Book Value5.22
Revenue (TTM)106.52M
Gross Profit (TTM)106.52M
Profit Margin9.69%
Operating Margin3.63%
Return on Equity4.23%
Return on Assets0.64%
Shares Outstanding47.79M
Shares Float12.89M
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%