diff --git a/ext/opcache/jit/zend_jit_trace.c b/ext/opcache/jit/zend_jit_trace.c
index 9d2de55e29499..41393f721cfcf 100644
--- a/ext/opcache/jit/zend_jit_trace.c
+++ b/ext/opcache/jit/zend_jit_trace.c
@@ -328,6 +328,14 @@ static int zend_jit_trace_may_exit(const zend_op_array *op_array, const zend_op
 			// TODO: recompilation may change target ???
 			return 0;
 #endif
+		case ZEND_FETCH_OBJ_R:
+			if (opline->op2_type == IS_CONST) {
+				const zend_class_entry *ce = opline->op1_type == IS_UNUSED ? op_array->scope : NULL;
+				if (!ce || !(ce->ce_flags & ZEND_ACC_FINAL) || ce->num_hooked_props > 0) {
+					return 1;
+				}
+			}
+			break;
 		case ZEND_RETURN_BY_REF:
 		case ZEND_RETURN:
 			/* return */
diff --git a/ext/opcache/tests/jit/gh20890.phpt b/ext/opcache/tests/jit/gh20890.phpt
new file mode 100644
index 0000000000000..c375c379fcc72
--- /dev/null
+++ b/ext/opcache/tests/jit/gh20890.phpt
@@ -0,0 +1,37 @@
+--TEST--
+GH-20890 (Segfault in zval_undefined_cv with non-simple property hook with minimal tracing JIT)
+--CREDITS--
+Moonster8282
+--EXTENSIONS--
+opcache
+--INI--
+opcache.jit=1251
+--FILE--
+<?php
+class HookJIT {
+    private int $readCount = 0;
+
+    public int $computed {
+        get {
+            $this->readCount++;
+            return $this->readCount * 2;
+        }
+    }
+}
+
+function hook_hot_path($obj, $iterations) {
+    $sum = 0;
+    for ($i = 0; $i < $iterations; $i++) {
+        $sum += $obj->computed;
+    }
+    return $sum;
+}
+
+echo "Testing property hook in hot path...\n";
+$obj = new HookJIT();
+$result = hook_hot_path($obj, 100);
+echo "Result: $result\n";
+?>
+--EXPECT--
+Testing property hook in hot path...
+Result: 10100