EarlyPay (ASX:EPY) 5-Year Yield-on-Cost %: 5.20 (As of Jul. 12, 2026) — 53% Above Median


ASX:EPY EarlyPay Ltd ASX:EPY
28 GF Score
Price A$0.13
GF Value A$0.46
Valuation Possible Value Trap
! 4 Warning Signs
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What is EarlyPay 5-Year Yield-on-Cost %?

EarlyPay ASX:EPY 28 5-Year Yield-on-Cost % is 5.20 as of Jul. 12, 2026, which is 53% above its 10-year median of 3.40. GuruFocus rates ASX:EPY with a GF Score™ of 28/100 and a GF Value™ of A$0.46 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 210 Credit Services companies, EarlyPay ranks better than 58.1% on this metric.

EarlyPay's yield on cost for the quarter that ended in Dec. 2025 was 5.20.


The historical rank and industry rank for EarlyPay's 5-Year Yield-on-Cost % or its related term are showing as below:

ASX:EPY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.4   Med: 3.4   Max: 15
Current: 5.2


During the past 13 years, EarlyPay's highest Yield on Cost was 15.00. The lowest was 1.40. And the median was 3.40.


ASX:EPY's 5-Year Yield-on-Cost % is ranked better than
58.1% of 210 companies
in the Credit Services industry
Industry Median: 4.53 vs ASX:EPY: 5.20

EarlyPay  (ASX:EPY) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


EarlyPay 5-Year Yield-on-Cost % Related Terms


ASX:EPY vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison

For the Credit Services subindustry, EarlyPay's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


EarlyPay 5-Year Yield-on-Cost % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, EarlyPay's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where EarlyPay's 5-Year Yield-on-Cost % falls into.


ASX:EPY
28GF Score
EarlyPay Ltd ASX:EPY
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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EarlyPay 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of EarlyPay is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 5.20 mean?
EarlyPay (ASX:EPY) has a 5-Year Yield-on-Cost % of 5.20 as of Jul. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on EarlyPay and its competitors. This is 53% above median its historical median of 3.40. Over the past decade, EarlyPay's 5-Year Yield-on-Cost % has ranged from 1.40 to 15.00. According to the industry distribution chart, EarlyPay ranks #88 out of 210 companies in the Credit Services industry, placing it in the top 41.9%.
Is EarlyPay's 5-Year Yield-on-Cost % too high?
EarlyPay's current 5-Year Yield-on-Cost % of 5.20 is 53% above median its 10-year median of 3.40. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 15.00. The Credit Services industry median 5-Year Yield-on-Cost % is 4.53. EarlyPay's value of 5.20 is 14.8% above this industry median. Based on the distribution chart, EarlyPay ranks #88 out of 210 companies in the Credit Services industry, which is above the industry midpoint. Overall, EarlyPay has a GF Score™ of 28/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #88 out of 210 companies for 5-Year Yield-on-Cost %. This puts EarlyPay in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.53. EarlyPay's value of 5.20 is 14.8% above this benchmark. Historically, EarlyPay's own 5-Year Yield-on-Cost % has ranged from 1.40 to 15.00 over the past decade. While the company's 10-year median is 3.40 vs. the industry median of 4.53, EarlyPay has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.53, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EarlyPay's current 5-Year Yield-on-Cost % of 5.20 is 14.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on EarlyPay and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current 5-Year Yield-on-Cost % is 5.20, which is 53% above median its own 10-year median of 3.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EarlyPay stock overvalued right now?
Based on GuruFocus' analysis, EarlyPay (ASX:EPY) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.46, compared to a current price of A$0.13 — trading 72.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.20, which is 53% above median its 10-year median of 3.40 and 14.8% above the Credit Services industry median of 4.53. EarlyPay's overall GF Score™ is 28/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For EarlyPay (ASX:EPY), the current 5-Year Yield-on-Cost % is 5.20 as of Jul. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is EarlyPay (ASX:EPY) Overvalued in 2026?

Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued. The current stock price of A$0.13 is trading 72.8% below its estimated GF Value™ of A$0.46. GuruFocus considers EarlyPay to be Possible Value Trap.

Key valuation signals for ASX:EPY:

  • 5-Year Yield-on-Cost %: 5.20 (53% above median its 10-year median of 3.40)
  • GF Value™: A$0.46 vs. price of A$0.13 (72.8% below fair value)
  • GF Score™: 28/100 with 4 warning signs
  • Industry Position: 14.8% above the Credit Services median (#88 of 210)

No single metric tells the full story. See the ASX:EPY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


EarlyPay Business Description

Address 201 Miller Street, Level 5, North Sydney, Sydney, NSW, AUS, 2060
EarlyPay Ltd is engaged in providing tailored financing solutions to businesses of all shapes and sizes. It is a line of credit financing for businesses in Australia. It is involved in various business activities namely Invoice Finance, and Equipment Finance. It generates the majority of its revenue from the Invoice finance segment.
28GF Score

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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.13
Price
A$0.46
GF Value