Younited S.A.
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Younited S.A. - overview
Established
2009
Location
Paris, -, France
Primary Industry
Financial Services
About
Based in Paris, France, and founded in 2009 by co-founders Charles Egly, Geoffroy Guigou, and Thomas Beylot, Younited SA, doing business as Younited Credit, operates as a provider of an online lending platform to facilitate financial transactions. In October 2025, Younited SA raised EUR 400 million in venture debt funding from investor Citi Ventures. As of 2024, the company has a client base including companies like Gamestop, Microsoft, Pixmania, and many more. Younited Credit offers financial services to individuals including amortizing personal loans, extended payment solutions, budget coaching, and term deposits.
The firm also provides banking technology solutions to banks, insurance companies, telecom operators, and more. It uses open-banking APIs to ingest data, enabling customers to avail of loans and credit directly from individual lenders. Younited earns through consumer loan interest, investor fund management fees, partnerships with insurers and banks, and ancillary services like credit cards and current accounts. The company will use the October 2025 funding to increase lending capacity, support refinancing through asset-backed securities, and expand credit access across Europe.
Current Investors
Eurazeo, AG2R La Mondiale, Crédit Mutuel Arkéa
Primary Industry
Financial Services
Sub Industries
e-Financial, Consumer Finance, Web Applications
Website
www.younited-credit.com/
Verticals
Artificial Intelligence, FinTech, Mobile Apps
Company Stage
Series G
Total Amount Raised
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Younited S.A. - timeline of key events
Younited S.A. - financials
| Fiscal Year Ended | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (USD) | 20,401,092 | 16,448,315 | 25,346,253 | 40,949,818 | 65,780,907 | 96,184,014 | 156,345,867 | - | - | - |
| % Revenue Growth (YoY) | - | (19.4%) | 54.1% | 61.6% | 60.6% | 46.2% | 62.5% | - | - | - |
| EBITDA (USD) | (655,770) | (15,354,351) | (15,767,232) | (15,000,267) | (6,155,363) | (28,388,403) | (36,152,859) | - | - | - |
| Operating Income (USD) | (988,675) | (15,354,351) | (15,767,232) | (15,000,267) | (6,155,363) | (28,388,403) | (36,152,859) | - | - | - |
| Operating Margin | (4.8%) | (93.3%) | (62.2%) | (36.6%) | (9.4%) | (29.5%) | (23.1%) | - | - | - |
| % EBITDA Margin | (3.2%) | (93.3%) | (62.2%) | (36.6%) | (9.4%) | (29.5%) | (23.1%) | - | - | - |
| NET Income (USD) | 9,299,048 | (14,757,121) | (15,776,867) | (14,997,603) | (19,573,502) | (26,272,514) | (33,362,890) | - | - | - |
| % Net Margin | 45.6% | (89.7%) | (62.2%) | (36.6%) | (29.8%) | (27.3%) | (21.3%) | - | - | - |
Younited S.A. - deals
| Deals Type | Deal Status | Target (s) | Deal Date | Investor(s) | Seller(s) | Deal size (Mn) | Enterprise value (Mn) | Post-money valuation (Mn) | EBITDA multiple (x) | Revenue multiple (x) | Lead partner (s) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Venture Debt | Completed | Younited S.A. | - | ||||||||
| Unspecified Round | Completed | Younited S.A. | - | ||||||||
| Series G | Completed | Younited S.A. | - | ||||||||
| Unspecified Round | Completed | Younited S.A. | - | ||||||||
| Unspecified Round | Completed | Younited S.A. | - |
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Younited S.A. - employee data
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