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FinVolution GroupFINV +0.69%79 5-Year Yield-on-Cost % is 14.12 as of Aug. 26, 2026, which is 62% above its 10-year median of 8.73. GuruFocus rates FINV with a GF Score™ of 79/100 and a GF Value™ of $5.93 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 210 Credit Services companies, FinVolution Group ranks better than 91.9% on this metric.
FinVolution Group's yield on cost for the quarter that ended in Mar. 2026 was 14.12.
The historical rank and industry rank for FinVolution Group's 5-Year Yield-on-Cost % or its related term are showing as below:
FINV'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.86 Med: 8.73 Max: 26.91
Current: 14.12
During the past 11 years, FinVolution Group's highest Yield on Cost was 26.91. The lowest was 2.86. And the median was 8.73.
FINV's 5-Year Yield-on-Cost % is ranked better than 91.9% of 210
companies
in the Credit Services industry
Industry Median: 4.495
vs FINV: 14.12
FinVolution Group (NYSE:FINV) 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.
FinVolution Group 5-Year Yield-on-Cost % Related Terms
FINV vs LU, JCAP, WRLD: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, FinVolution 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.
FinVolution Group 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FinVolution Group's 5-Year Yield-on-Cost % falls into.
FinVolution 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.
FinVolution Group (FINV) has a 5-Year Yield-on-Cost % of 14.12 as of Aug. 26, 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 FinVolution Group and its competitors. This is 62% above median its historical median of 8.73. Over the past decade, FinVolution Group's 5-Year Yield-on-Cost % has ranged from 2.86 to 26.91. According to the industry distribution chart, FinVolution Group ranks #17 out of 210 companies in the Credit Services industry, placing it in the top 8.1%.
Is FinVolution Group's 5-Year Yield-on-Cost % too high?
FinVolution Group's current 5-Year Yield-on-Cost % of 14.12 is 62% above median its 10-year median of 8.73. Over the past 10 years, this metric has ranged from a low of 2.86 to a high of 26.91. The Credit Services industry median 5-Year Yield-on-Cost % is 4.50. FinVolution Group's value of 14.12 is 214.1% above this industry median. Based on the distribution chart, FinVolution Group ranks #17 out of 210 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, FinVolution Group has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinVolution Group's 5-Year Yield-on-Cost % compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #17 out of 210 companies for 5-Year Yield-on-Cost %. This places FinVolution Group in the top 8% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.50. FinVolution Group's value of 14.12 is 214.1% above this benchmark. Historically, FinVolution Group's own 5-Year Yield-on-Cost % has ranged from 2.86 to 26.91 over the past decade. While the company's 10-year median is 8.73 vs. the industry median of 4.50, FinVolution 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 4.50, 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. FinVolution Group's current 5-Year Yield-on-Cost % of 14.12 is 214.1% 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 FinVolution Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current 5-Year Yield-on-Cost % is 14.12, which is 62% above median its own 10-year median of 8.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinVolution Group stock overvalued right now?
Based on GuruFocus' analysis, FinVolution Group (FINV) is currently considered Modestly Undervalued. The stock's GF Value™ is $5.93, compared to a current price of $4.37 — trading 26.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 14.12, which is 62% above median its 10-year median of 8.73 and 214.1% above the Credit Services industry median of 4.50. FinVolution Group's overall GF Score™ is 79/100 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 FinVolution Group (FINV), the current 5-Year Yield-on-Cost % is 14.12 as of Aug. 26, 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 FinVolution Group (FINV) Overvalued in 2026?
Based on GuruFocus' analysis, FinVolution Group stock appears to be undervalued.
The current stock price of $4.37 is trading 26.3% below its estimated GF Value™ of $5.93.
GuruFocus considers FinVolution Group to be Modestly Undervalued.
Key valuation signals for FINV:
5-Year Yield-on-Cost %: 14.12 (62% above median its 10-year median of 8.73)
GF Value™: $5.93 vs. price of $4.37 (26.3% below fair value)
Industry Position: 214.1% above the Credit Services median (#17 of 210)
No single metric tells the full story. See the FINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FinVolution Group is a provider of online consumer finance in China. The company offers various loan products, making financial services available to borrowers anytime, anywhere; designs a loan transaction process, and offers tailored risk-based pricing. It offers short-term loans to borrowers to meet immediate credit needs while allowing them to gradually establish their credit history through activities on the company's platform. The company generates revenues from fees charged to borrowers. The Group's long-lived assets are located in the PRC, and its revenues are derived from within the PRC.
79GF Score
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