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LexinFintech HoldingsFRA:1LFA 63 5-Year Yield-on-Cost % is 27.50 as of Aug. 12, 2026, which is 337% above its 10-year median of 6.30. GuruFocus rates FRA:1LFA with a GF Score™ of 63/100 and a GF Value™ of €2.55 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 212 Credit Services companies, LexinFintech Holdings ranks better than 96.7% on this metric.
LexinFintech Holdings's yield on cost for the quarter that ended in Mar. 2026 was 27.50.
The historical rank and industry rank for LexinFintech Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:1LFA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.23 Med: 6.3 Max: 27.5
Current: 27.5
During the past 11 years, LexinFintech Holdings's highest Yield on Cost was 27.50. The lowest was 1.23. And the median was 6.30.
FRA:1LFA's 5-Year Yield-on-Cost % is ranked better than 96.7% of 212
companies
in the Credit Services industry
Industry Median: 4.51
vs FRA:1LFA: 27.50
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.
LexinFintech Holdings 5-Year Yield-on-Cost % Related Terms
FRA:1LFA vs TROO, OPRT, MFIN: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, LexinFintech Holdings'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.
LexinFintech Holdings 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LexinFintech Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where LexinFintech Holdings'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.
LexinFintech Holdings (FRA:1LFA) has a 5-Year Yield-on-Cost % of 27.50 as of Aug. 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 LexinFintech Holdings and its competitors. This is 337% above median its historical median of 6.30. Over the past decade, LexinFintech Holdings' 5-Year Yield-on-Cost % has ranged from 1.23 to 27.50. According to the industry distribution chart, LexinFintech Holdings ranks #7 out of 212 companies in the Credit Services industry, placing it in the top 3.3%.
Is LexinFintech Holdings' 5-Year Yield-on-Cost % too high?
LexinFintech Holdings' current 5-Year Yield-on-Cost % of 27.50 is 337% above median its 10-year median of 6.30. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 27.50. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. LexinFintech Holdings' value of 27.50 is 509.8% above this industry median. Based on the distribution chart, LexinFintech Holdings ranks #7 out of 212 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, LexinFintech Holdings has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LexinFintech Holdings' 5-Year Yield-on-Cost % compare to TROO and OPRT?
According to the Credit Services industry distribution chart, LexinFintech Holdings ranks #7 out of 212 companies for 5-Year Yield-on-Cost %. This places LexinFintech Holdings in the top 3% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.51. LexinFintech Holdings' value of 27.50 is 509.8% above this benchmark. Historically, LexinFintech Holdings' own 5-Year Yield-on-Cost % has ranged from 1.23 to 27.50 over the past decade. While the company's 10-year median is 6.30 vs. the industry median of 4.51, LexinFintech Holdings 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 4.51, based on 212 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. LexinFintech Holdings's current 5-Year Yield-on-Cost % of 27.50 is 509.8% 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 LexinFintech Holdings and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LexinFintech Holdings's current 5-Year Yield-on-Cost % is 27.50, which is 337% above median its own 10-year median of 6.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LexinFintech Holdings stock overvalued right now?
Based on GuruFocus' analysis, LexinFintech Holdings (FRA:1LFA) is currently considered Significantly Undervalued. The stock's GF Value™ is €2.55, compared to a current price of €1.19 — trading 53.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 27.50, which is 337% above median its 10-year median of 6.30 and 509.8% above the Credit Services industry median of 4.51. LexinFintech Holdings' overall GF Score™ is 63/100 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 LexinFintech Holdings (FRA:1LFA), the current 5-Year Yield-on-Cost % is 27.50 as of Aug. 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 LexinFintech Holdings (FRA:1LFA) Overvalued in 2026?
Based on GuruFocus' analysis, LexinFintech Holdings stock appears to be undervalued.
The current stock price of €1.19 is trading 53.3% below its estimated GF Value™ of €2.55.
GuruFocus considers LexinFintech Holdings to be Significantly Undervalued.
Key valuation signals for FRA:1LFA:
5-Year Yield-on-Cost %: 27.50 (337% above median its 10-year median of 6.30)
GF Value™: €2.55 vs. price of €1.19 (53.3% below fair value)
Industry Position: 509.8% above the Credit Services median (#7 of 212)
No single metric tells the full story. See the FRA:1LFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LexinFintech Holdings Ltd is an online consumer finance platform and a technology-driven service provider in China. The group is engaged in online direct sales services and online consumer finance services for its customers in the PRC. Geographically, it derives revenue from China.
63GF Score
Get the complete analysis for FRA:1LFA
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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