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Yiren DigitalFRA:19YA -5.41%56 5-Year Yield-on-Cost % is 18.23 as of Jul. 17, 2026, which is 441% above its 10-year median of 3.37. GuruFocus rates FRA:19YA with a GF Score™ of 56/100 and a GF Value™ of €4.24 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 210 Credit Services companies, Yiren Digital ranks better than 96.19% on this metric.
Yiren Digital's yield on cost for the quarter that ended in Mar. 2026 was 18.23.
The historical rank and industry rank for Yiren Digital's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:19YA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.3 Med: 3.37 Max: 39.91
Current: 18.23
During the past 13 years, Yiren Digital's highest Yield on Cost was 39.91. The lowest was 1.30. And the median was 3.37.
FRA:19YA's 5-Year Yield-on-Cost % is ranked better than 96.19% of 210
companies
in the Credit Services industry
Industry Median: 4.465
vs FRA:19YA: 18.23
Yiren Digital (FRA:19YA) 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.
Yiren Digital 5-Year Yield-on-Cost % Related Terms
FRA:19YA vs SUIG, ANTA, VRM: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Yiren Digital'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.
Yiren Digital 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Yiren Digital's 5-Year Yield-on-Cost % falls into.
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 Yiren Digital is calculated as
Yiren Digital (FRA:19YA) has a 5-Year Yield-on-Cost % of 18.23 as of Jul. 17, 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 Yiren Digital and its competitors. This is 441% above median its historical median of 3.37. Over the past decade, Yiren Digital's 5-Year Yield-on-Cost % has ranged from 1.30 to 39.91. According to the industry distribution chart, Yiren Digital ranks #8 out of 210 companies in the Credit Services industry, placing it in the top 3.8%.
Is Yiren Digital's 5-Year Yield-on-Cost % too high?
Yiren Digital's current 5-Year Yield-on-Cost % of 18.23 is 441% above median its 10-year median of 3.37. Over the past 10 years, this metric has ranged from a low of 1.30 to a high of 39.91. The Credit Services industry median 5-Year Yield-on-Cost % is 4.47. Yiren Digital's value of 18.23 is 308.3% above this industry median. Based on the distribution chart, Yiren Digital ranks #8 out of 210 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Yiren Digital has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's 5-Year Yield-on-Cost % compare to SUIG and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #8 out of 210 companies for 5-Year Yield-on-Cost %. This places Yiren Digital in the top 4% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.47. Yiren Digital's value of 18.23 is 308.3% above this benchmark. Historically, Yiren Digital's own 5-Year Yield-on-Cost % has ranged from 1.30 to 39.91 over the past decade. While the company's 10-year median is 3.37 vs. the industry median of 4.47, Yiren Digital 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 4.47, 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. Yiren Digital's current 5-Year Yield-on-Cost % of 18.23 is 308.3% 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 Yiren Digital and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current 5-Year Yield-on-Cost % is 18.23, which is 441% above median its own 10-year median of 3.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yiren Digital stock overvalued right now?
Based on GuruFocus' analysis, Yiren Digital (FRA:19YA) is currently considered Possible Value Trap. The stock's GF Value™ is €4.24, compared to a current price of €1.05 — trading 75.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 18.23, which is 441% above median its 10-year median of 3.37 and 308.3% above the Credit Services industry median of 4.47. Yiren Digital'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 Yiren Digital (FRA:19YA), the current 5-Year Yield-on-Cost % is 18.23 as of Jul. 17, 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 Yiren Digital (FRA:19YA) Overvalued in 2026?
Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued.
The current stock price of €1.05 is trading 75.2% below its estimated GF Value™ of €4.24.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
5-Year Yield-on-Cost %: 18.23 (441% above median its 10-year median of 3.37)
GF Value™: €4.24 vs. price of €1.05 (75.2% below fair value)
Industry Position: 308.3% above the Credit Services median (#8 of 210)
No single metric tells the full story. See the FRA:19YA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yiren Digital Ltd is an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. The company supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.
56GF Score
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