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YOUNITED FINANCIAL (YOUNI.AS) Stock Fundamental Analysis

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

8.25  0 (0%)

Fundamental Rating

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YOUNI gets a fundamental rating of 0 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. YOUNI has a bad profitability rating. Also its financial health evaluation is rather negative. YOUNI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

YOUNI had negative earnings in the past year.
YOUNI had a positive 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 0 2M -2M 4M -4M 6M 8M

1.2 Ratios

YOUNI has a Return On Assets of -2.07%. This is in the lower half of the industry: YOUNI underperforms 75.00% of its industry peers.
Industry RankSector Rank
ROA -2.07%
ROE N/A
ROIC N/A
ROA(3y)-4.79%
ROA(5y)N/A
ROE(3y)N/A
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 0 100 200 300

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

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2. Health

2.1 Basic Checks

The number of shares outstanding for YOUNI remains at a similar level compared to 1 year ago.
YOUNI has a worse debt/assets ratio than last year.
YOUNI.AS Yearly Shares OutstandingYOUNI.AS Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 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 50M 100M 150M 200M

2.2 Solvency

YOUNI has a debt to FCF ratio of 27.76. This is a negative value and a sign of low solvency as YOUNI would need 27.76 years to pay back of all of its debts.
YOUNI has a worse Debt to FCF ratio (27.76) than 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 27.76
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 0 50M 100M 150M 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 -233.10%.
EPS 1Y (TTM)-233.1%
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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for YOUNI. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
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 0 0 0 0 0 0

4.2 Price Multiples

YOUNI's Price/Free Cash Flow ratio is rather expensive when compared to the industry. YOUNI is more expensive than 87.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 69.12
EV/EBITDA N/A
YOUNI.AS Per share dataYOUNI.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.05 -0.05 0.1

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 (4/25/2025, 7:00:00 PM)

8.25

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 Cap539.80M
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 YearsN/A
Div Non Decr YearsN/A
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 N/A
Fwd PE N/A
P/S N/A
P/FCF 69.12
P/OCF 69.12
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.08
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.12
FCFY1.45%
OCF(TTM)0.12
OCFY1.45%
SpS0
BVpS-0.02
TBVpS-0.02
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.07%
ROE N/A
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)-4.79%
ROA(5y)N/A
ROE(3y)N/A
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-Score3
Asset Turnover0
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 27.76
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-Score3
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)-233.1%
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 1Y-86.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y301.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y301.11%
OCF growth 3YN/A
OCF growth 5YN/A