Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
VCredit HoldingsFRA:5R6 +2.33%21 5-Year Yield-on-Cost % is 6.33 as of Aug. 04, 2026, which is 9% below its 10-year median of 6.92. GuruFocus rates FRA:5R6 with a GF Score™ of 21/100 and a GF Value™ of €0.06 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 210 Credit Services companies, VCredit Holdings ranks better than 62.38% on this metric.
VCredit Holdings's yield on cost for the quarter that ended in Dec. 2025 was 6.33.
The historical rank and industry rank for VCredit Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:5R6'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.26 Med: 6.92 Max: 29.3
Current: 6.33
During the past 11 years, VCredit Holdings's highest Yield on Cost was 29.30. The lowest was 2.26. And the median was 6.92.
FRA:5R6's 5-Year Yield-on-Cost % is ranked better than 62.38% of 210
companies
in the Credit Services industry
Industry Median: 4.555
vs FRA:5R6: 6.33
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.
VCredit Holdings 5-Year Yield-on-Cost % Related Terms
FRA:5R6 vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, VCredit 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.
VCredit Holdings 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where VCredit 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.
VCredit Holdings (FRA:5R6) has a 5-Year Yield-on-Cost % of 6.33 as of Aug. 04, 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 VCredit Holdings and its competitors. This is near median its historical median of 6.92. Over the past decade, VCredit Holdings' 5-Year Yield-on-Cost % has ranged from 2.26 to 29.30. According to the industry distribution chart, VCredit Holdings ranks #79 out of 210 companies in the Credit Services industry, placing it in the top 37.6%.
Is VCredit Holdings' 5-Year Yield-on-Cost % too high?
VCredit Holdings' current 5-Year Yield-on-Cost % of 6.33 is near median its 10-year median of 6.92. Over the past 10 years, this metric has ranged from a low of 2.26 to a high of 29.30. The Credit Services industry median 5-Year Yield-on-Cost % is 4.56. VCredit Holdings' value of 6.33 is 39% above this industry median. Based on the distribution chart, VCredit Holdings ranks #79 out of 210 companies in the Credit Services industry, which is above the industry midpoint. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #79 out of 210 companies for 5-Year Yield-on-Cost %. This puts VCredit Holdings in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.56. VCredit Holdings' value of 6.33 is 39% above this benchmark. Historically, VCredit Holdings' own 5-Year Yield-on-Cost % has ranged from 2.26 to 29.30 over the past decade. While the company's 10-year median is 6.92 vs. the industry median of 4.56, VCredit 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 4.56, 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. VCredit Holdings's current 5-Year Yield-on-Cost % of 6.33 is 39% 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 VCredit Holdings and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VCredit Holdings's current 5-Year Yield-on-Cost % is 6.33, which is near median its own 10-year median of 6.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (FRA:5R6) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 46.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.33, which is near median its 10-year median of 6.92 and 39% above the Credit Services industry median of 4.56. VCredit Holdings' overall GF Score™ is 21/100 with 3 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 VCredit Holdings (FRA:5R6), the current 5-Year Yield-on-Cost % is 6.33 as of Aug. 04, 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 VCredit Holdings (FRA:5R6) Overvalued in 2026?
Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued.
The current stock price of €0.09 is trading 46.7% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
5-Year Yield-on-Cost %: 6.33 (near median its 10-year median of 6.92)
GF Value™: €0.06 vs. price of €0.09 (46.7% above fair value)
Industry Position: 39% above the Credit Services median (#79 of 210)
No single metric tells the full story. See the FRA:5R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score
Get the complete analysis for FRA:5R6
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:5R6 has been successfully added to your 
