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Humm GroupFRA:F5L -0.74%37 5-Year Yield-on-Cost % is 4.91 as of Jul. 25, 2026, which is 3% below its 10-year median of 5.05. GuruFocus rates FRA:F5L with a GF Score™ of 37/100 and a GF Value™ of €0.37. The stock has 5 warning signs investors should review. Among 211 Credit Services companies, Humm Group ranks better than 54.5% on this metric.
Humm Group's yield on cost for the quarter that ended in Dec. 2025 was 4.91.
The historical rank and industry rank for Humm Group's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:F5L'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.08 Med: 5.05 Max: 15.47
Current: 4.91
During the past 13 years, Humm Group's highest Yield on Cost was 15.47. The lowest was 2.08. And the median was 5.05.
FRA:F5L's 5-Year Yield-on-Cost % is ranked better than 54.5% of 211
companies
in the Credit Services industry
Industry Median: 4.65
vs FRA:F5L: 4.91
Humm Group (FRA:F5L) 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.
Humm Group 5-Year Yield-on-Cost % Related Terms
FRA:F5L vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Humm 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.
Humm Group 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Humm Group'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 Humm Group is calculated as
Humm Group (FRA:F5L) has a 5-Year Yield-on-Cost % of 4.91 as of Jul. 25, 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 Humm Group and its competitors. This is near median its historical median of 5.05. Over the past decade, Humm Group's 5-Year Yield-on-Cost % has ranged from 2.08 to 15.47. According to the industry distribution chart, Humm Group ranks #96 out of 211 companies in the Credit Services industry, placing it in the top 45.5%.
Is Humm Group's 5-Year Yield-on-Cost % too high?
Humm Group's current 5-Year Yield-on-Cost % of 4.91 is near median its 10-year median of 5.05. Over the past 10 years, this metric has ranged from a low of 2.08 to a high of 15.47. The Credit Services industry median 5-Year Yield-on-Cost % is 4.65. Humm Group's value of 4.91 is 5.6% above this industry median. Based on the distribution chart, Humm Group ranks #96 out of 211 companies in the Credit Services industry, which is above the industry midpoint. Overall, Humm Group has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #96 out of 211 companies for 5-Year Yield-on-Cost %. This puts Humm Group in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.65. Humm Group's value of 4.91 is 5.6% above this benchmark. Historically, Humm Group's own 5-Year Yield-on-Cost % has ranged from 2.08 to 15.47 over the past decade. While the company's 10-year median is 5.05 vs. the industry median of 4.65, Humm 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 4.65, based on 211 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. Humm Group's current 5-Year Yield-on-Cost % of 4.91 is 5.6% 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 Humm Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current 5-Year Yield-on-Cost % is 4.91, which is near median its own 10-year median of 5.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humm Group stock overvalued right now?
Humm Group (FRA:F5L) has a current 5-Year Yield-on-Cost % of 4.91. The stock's GF Value™ is €0.37, compared to a current price of €0.27 — trading 27.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.91, which is near median its 10-year median of 5.05 and 5.6% above the Credit Services industry median of 4.65. Humm Group's overall GF Score™ is 37/100 with 5 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 Humm Group (FRA:F5L), the current 5-Year Yield-on-Cost % is 4.91 as of Jul. 25, 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 Humm Group (FRA:F5L) Overvalued in 2026?
Based on GuruFocus' analysis, Humm Group stock appears to be undervalued.
The current stock price of €0.27 is trading 27.6% below its estimated GF Value™ of €0.37.
Key valuation signals for FRA:F5L:
5-Year Yield-on-Cost %: 4.91 (near median its 10-year median of 5.05)
GF Value™: €0.37 vs. price of €0.27 (27.6% below fair value)
Industry Position: 5.6% above the Credit Services median (#96 of 211)
No single metric tells the full story. See the FRA:F5L stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Humm Group Ltd is a diversified financial services company that provides instalment plans which enable businesses and consumers to make large purchases. hummgroup operates in Australia, New Zealand, Ireland, Canada and the United Kingdom. Its principal activities inlcude Commercial Lending in Australia and New Zealand; Point of Sale Payment Plans; Australia Cards (humm90); and New Zealand Cards (including Farmers Finance Card, Farmers Mastercard, Q Card, Q Mastercard and Flight Centre Mastercard). Its segment includes: Commercial; PosPP; Cards NZ; Cards AU; and Corporate.
37GF Score
Get the complete analysis for FRA:F5L
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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