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DelfinGroupFRA:ON0 62 5-Year Yield-on-Cost % is 2.57 as of Jul. 22, 2026, which is 210% above its 10-year median of 0.83. GuruFocus rates FRA:ON0 with a GF Score™ of 62/100 and a GF Value™ of €1.73. The stock has 4 warning signs investors should review. Among 211 Credit Services companies, DelfinGroup ranks worse than 65.4% on this metric.
DelfinGroup's yield on cost for the quarter that ended in Mar. 2026 was 2.57.
The historical rank and industry rank for DelfinGroup's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:ON0'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.58 Med: 0.83 Max: 7.98
Current: 2.57
During the past 9 years, DelfinGroup's highest Yield on Cost was 7.98. The lowest was 0.58. And the median was 0.83.
FRA:ON0's 5-Year Yield-on-Cost % is ranked worse than 65.4% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs FRA:ON0: 2.57
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.
DelfinGroup 5-Year Yield-on-Cost % Related Terms
FRA:ON0 vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, DelfinGroup'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.
DelfinGroup 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, DelfinGroup's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where DelfinGroup'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 DelfinGroup is calculated as
DelfinGroup (FRA:ON0) has a 5-Year Yield-on-Cost % of 2.57 as of Jul. 22, 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 DelfinGroup and its competitors. This is 210% above median its historical median of 0.83. Over the past decade, DelfinGroup's 5-Year Yield-on-Cost % has ranged from 0.58 to 7.98. According to the industry distribution chart, DelfinGroup ranks #138 out of 211 companies in the Credit Services industry, placing it in the top 65.4%.
Is DelfinGroup's 5-Year Yield-on-Cost % too high?
DelfinGroup's current 5-Year Yield-on-Cost % of 2.57 is 210% above median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 7.98. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. DelfinGroup's value of 2.57 is 43.5% below this industry median. Based on the distribution chart, DelfinGroup ranks #138 out of 211 companies in the Credit Services industry, which is below the industry midpoint. Overall, DelfinGroup has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does DelfinGroup's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, DelfinGroup ranks #138 out of 211 companies for 5-Year Yield-on-Cost %. This places DelfinGroup in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. DelfinGroup's value of 2.57 is 43.5% below this benchmark. Historically, DelfinGroup's own 5-Year Yield-on-Cost % has ranged from 0.58 to 7.98 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 4.55, DelfinGroup has consistently been below 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 4.55, 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. DelfinGroup's current 5-Year Yield-on-Cost % of 2.57 is 43.5% below 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 DelfinGroup and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DelfinGroup's current 5-Year Yield-on-Cost % is 2.57, which is 210% above median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DelfinGroup stock overvalued right now?
DelfinGroup (FRA:ON0) has a current 5-Year Yield-on-Cost % of 2.57. The stock's GF Value™ is €1.73, compared to a current price of €1.52 — trading 12.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.57, which is 210% above median its 10-year median of 0.83 and 43.5% below the Credit Services industry median of 4.55. DelfinGroup's overall GF Score™ is 62/100 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 DelfinGroup (FRA:ON0), the current 5-Year Yield-on-Cost % is 2.57 as of Jul. 22, 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 DelfinGroup (FRA:ON0) Overvalued in 2026?
Based on GuruFocus' analysis, DelfinGroup stock appears to be undervalued.
The current stock price of €1.52 is trading 12.1% below its estimated GF Value™ of €1.73.
Key valuation signals for FRA:ON0:
5-Year Yield-on-Cost %: 2.57 (210% above median its 10-year median of 0.83)
GF Value™: €1.73 vs. price of €1.52 (12.1% below fair value)
Industry Position: 43.5% below the Credit Services median (#138 of 211)
No single metric tells the full story. See the FRA:ON0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DelfinGroup is a Latvian fintech company that offers finance and pawn services. The operating segments of the group are: Pawn loan segment includes handling pawn loan issuance, sale of pawn shop items in the branches, and online. The retail of pre-owned goods segment includes the sale of pre-owned goods in the branches and online, purchased by customers. Consumer loan segment includes handling consumer loans to customers, debt collection activities, and debt sales to external debt collection companies. The other operations segment includes providing loans for real estate development, general administrative services to the companies of the Group, and transactions with related parties.
62GF Score
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