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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Liberty Financial GroupASX:LFG +1.23%56 5-Year Yield-on-Cost % is 10.12 as of Jul. 15, 2026, which is 24% above its 10-year median of 8.18. GuruFocus rates ASX:LFG with a GF Score™ of 56/100 and a GF Value™ of A$5.74 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 210 Credit Services companies, Liberty Financial Group ranks better than 85.24% on this metric.
The historical rank and industry rank for Liberty Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:LFG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.25 Med: 8.18 Max: 14.29
Current: 10.12
During the past 6 years, Liberty Financial Group's highest Yield on Cost was 14.29. The lowest was 3.25. And the median was 8.18.
ASX:LFG's 5-Year Yield-on-Cost % is ranked better than 85.24% of 210
companies
in the Credit Services industry
Industry Median: 4.53
vs ASX:LFG: 10.12
Liberty Financial Group (ASX:LFG) 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.
Liberty Financial Group 5-Year Yield-on-Cost % Related Terms
ASX:LFG vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Liberty Financial Group'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.
Liberty Financial Group 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Liberty Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Liberty Financial Group's 5-Year Yield-on-Cost % falls into.
Liberty Financial Group 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.
Liberty Financial Group (ASX:LFG) has a 5-Year Yield-on-Cost % of 10.12 as of Jul. 15, 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 Liberty Financial Group and its competitors. This is 24% above median its historical median of 8.18. Over the past decade, Liberty Financial Group's 5-Year Yield-on-Cost % has ranged from 3.25 to 14.29. According to the industry distribution chart, Liberty Financial Group ranks #31 out of 210 companies in the Credit Services industry, placing it in the top 14.8%.
Is Liberty Financial Group's 5-Year Yield-on-Cost % too high?
Liberty Financial Group's current 5-Year Yield-on-Cost % of 10.12 is 24% above median its 10-year median of 8.18. Over the past 10 years, this metric has ranged from a low of 3.25 to a high of 14.29. The Credit Services industry median 5-Year Yield-on-Cost % is 4.53. Liberty Financial Group's value of 10.12 is 123.4% above this industry median. Based on the distribution chart, Liberty Financial Group ranks #31 out of 210 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Liberty Financial Group has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liberty Financial Group's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Liberty Financial Group ranks #31 out of 210 companies for 5-Year Yield-on-Cost %. This places Liberty Financial Group in the top 15% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.53. Liberty Financial Group's value of 10.12 is 123.4% above this benchmark. Historically, Liberty Financial Group's own 5-Year Yield-on-Cost % has ranged from 3.25 to 14.29 over the past decade. While the company's 10-year median is 8.18 vs. the industry median of 4.53, Liberty Financial Group 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. Liberty Financial Group's current 5-Year Yield-on-Cost % of 10.12 is 123.4% 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 Liberty Financial Group 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. Liberty Financial Group's current 5-Year Yield-on-Cost % is 10.12, which is 24% above median its own 10-year median of 8.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liberty Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Liberty Financial Group (ASX:LFG) is currently considered Significantly Undervalued. The stock's GF Value™ is A$5.74, compared to a current price of A$3.29 — trading 42.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 10.12, which is 24% above median its 10-year median of 8.18 and 123.4% above the Credit Services industry median of 4.53. Liberty Financial Group's overall GF Score™ is 56/100 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 Liberty Financial Group (ASX:LFG), the current 5-Year Yield-on-Cost % is 10.12 as of Jul. 15, 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 Liberty Financial Group (ASX:LFG) Overvalued in 2026?
Based on GuruFocus' analysis, Liberty Financial Group stock appears to be undervalued.
The current stock price of A$3.29 is trading 42.7% below its estimated GF Value™ of A$5.74.
GuruFocus considers Liberty Financial Group to be Significantly Undervalued.
Key valuation signals for ASX:LFG:
5-Year Yield-on-Cost %: 10.12 (24% above median its 10-year median of 8.18)
GF Value™: A$5.74 vs. price of A$3.29 (42.7% below fair value)
Industry Position: 123.4% above the Credit Services median (#31 of 210)
No single metric tells the full story. See the ASX:LFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1997, Liberty Financial Group is a nonbank lender operating in Australia and New Zealand. Unlike banks, nonbanks are unable to take customer deposits, a privilege exclusive to Authorized deposit-taking institutions, or ADIs. Liberty operates three business segments: residential, secured finance, and financial services. Mortgages make up about 52% of the loan book, with a focus on higher-risk borrowers. Secured finance makes up 41% of loans, including motor finance, commercial property loans, and self-managed superannuation fund loans. The financial services division includes unsecured personal and small and midsize business loans, mortgage broking, and distribution of general and life insurance.
56GF Score
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