Younited Financial S.A.
Younited Financial S.A. provides consumer credit services in France, Italy, Spain, and Portugal. The company offers credit and point-of-sale financing; open banking services; and credit protection insurance products, including life, disability, and unemployment insurance, as well as affinity insurance products. It also provides unsecured personal loans; budget advisory services; and solutions to … Read more
Younited Financial S.A. - Asset Resilience Ratio
Younited Financial S.A. (HT5) has an Asset Resilience Ratio of 7.09% as of December 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2021–2024)
This chart shows how Younited Financial S.A.'s Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Younited Financial S.A.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | €0.00 | 0% |
| Short-term Investments | €86.84 Million | 7.09% |
| Total Liquid Assets | €86.84 Million | 7.09% |
Asset Resilience Insights
- Limited Liquidity: Younited Financial S.A. maintains only 7.09% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Younited Financial S.A. Industry Peers by Asset Resilience Ratio
Compare Younited Financial S.A.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for Younited Financial S.A. (2021–2024)
The table below shows the annual Asset Resilience Ratio data for Younited Financial S.A..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 7.09% | €86.84 Million | €1.22 Billion | -2.59pp |
| 2023-12-31 | 9.68% | €135.40 Million | €1.40 Billion | +4.39pp |
| 2022-12-31 | 5.29% | €64.40 Million | €1.22 Billion | -23.39pp |
| 2021-12-31 | 28.67% | €216.28 Million | €754.26 Million | -- |