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The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's 5-Year Yield-on-Cost % or its related term are showing as below:
ISX:CFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 13.23 Med: 16.03 Max: 21.01
Current: 14.53
During the past 13 years, PT Clipan Finance Indonesia Tbk's highest Yield on Cost was 21.01. The lowest was 13.23. And the median was 16.03.
ISX:CFIN's 5-Year Yield-on-Cost % is ranked better than 92.42% of 211
companies
in the Credit Services industry
Industry Median: 4.65
vs ISX:CFIN: 14.53
PT Clipan Finance Indonesia Tbk (ISX:CFIN) 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.
PT Clipan Finance Indonesia Tbk 5-Year Yield-on-Cost % Related Terms
ISX:CFIN vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk'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.
PT Clipan Finance Indonesia Tbk 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's 5-Year Yield-on-Cost % falls into.
PT Clipan Finance Indonesia Tbk 5-Year Yield-on-Cost % Calculation
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.
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a 5-Year Yield-on-Cost % of 14.53 as of Jul. 24, 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 PT Clipan Finance Indonesia Tbk and its competitors. This is near median its historical median of 16.03. Over the past decade, PT Clipan Finance Indonesia Tbk's 5-Year Yield-on-Cost % has ranged from 13.23 to 21.01. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #16 out of 211 companies in the Credit Services industry, placing it in the top 7.6%.
Is PT Clipan Finance Indonesia Tbk's 5-Year Yield-on-Cost % too high?
PT Clipan Finance Indonesia Tbk's current 5-Year Yield-on-Cost % of 14.53 is near median its 10-year median of 16.03. Over the past 10 years, this metric has ranged from a low of 13.23 to a high of 21.01. The Credit Services industry median 5-Year Yield-on-Cost % is 4.65. PT Clipan Finance Indonesia Tbk's value of 14.53 is 212.5% above this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #16 out of 211 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #16 out of 211 companies for 5-Year Yield-on-Cost %. This places PT Clipan Finance Indonesia Tbk in the top 8% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.65. PT Clipan Finance Indonesia Tbk's value of 14.53 is 212.5% above this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own 5-Year Yield-on-Cost % has ranged from 13.23 to 21.01 over the past decade. While the company's 10-year median is 16.03 vs. the industry median of 4.65, PT Clipan Finance Indonesia Tbk 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. PT Clipan Finance Indonesia Tbk's current 5-Year Yield-on-Cost % of 14.53 is 212.5% 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 PT Clipan Finance Indonesia Tbk 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. PT Clipan Finance Indonesia Tbk's current 5-Year Yield-on-Cost % is 14.53, which is near median its own 10-year median of 16.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp347.89, compared to a current price of Rp342.00 — trading 1.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 14.53, which is near median its 10-year median of 16.03 and 212.5% above the Credit Services industry median of 4.65. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 73/100 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 PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current 5-Year Yield-on-Cost % is 14.53 as of Jul. 24, 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 PT Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp342.00 is trading 1.7% below its estimated GF Value™ of Rp347.89.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
5-Year Yield-on-Cost %: 14.53 (near median its 10-year median of 16.03)
GF Value™: Rp347.89 vs. price of Rp342.00 (1.7% below fair value)
Industry Position: 212.5% above the Credit Services median (#16 of 211)
No single metric tells the full story. See the ISX:CFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Clipan Finance Indonesia Tbk Business Description
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
73GF Score
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