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BSP Financial GroupASX:BFL 54 5-Year Yield-on-Cost % is 6.39 as of Jul. 16, 2026, which is 3% above its 10-year median of 6.20. GuruFocus rates ASX:BFL with a GF Score™ of 54/100 and a GF Value™ of A$8.00 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,255 Banks companies, BSP Financial Group ranks better than 74.66% on this metric.
BSP Financial Group's yield on cost for the quarter that ended in Dec. 2025 was 6.39.
The historical rank and industry rank for BSP Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:BFL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.75 Med: 6.2 Max: 11.51
Current: 6.39
During the past 5 years, BSP Financial Group's highest Yield on Cost was 11.51. The lowest was 1.75. And the median was 6.20.
ASX:BFL's 5-Year Yield-on-Cost % is ranked better than 74.66% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs ASX:BFL: 6.39
BSP Financial Group (ASX:BFL) 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.
BSP Financial Group 5-Year Yield-on-Cost % Related Terms
ASX:BFL vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, BSP Financial 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.
BSP Financial Group 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where BSP Financial Group's 5-Year Yield-on-Cost % falls into.
BSP Financial Group 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.
BSP Financial Group (ASX:BFL) has a 5-Year Yield-on-Cost % of 6.39 as of Jul. 16, 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 BSP Financial Group and its competitors. This is near median its historical median of 6.20. Over the past decade, BSP Financial Group's 5-Year Yield-on-Cost % has ranged from 1.75 to 11.51. According to the industry distribution chart, BSP Financial Group ranks #318 out of 1255 companies in the Banks industry, placing it in the top 25.3%.
Is BSP Financial Group's 5-Year Yield-on-Cost % too high?
BSP Financial Group's current 5-Year Yield-on-Cost % of 6.39 is near median its 10-year median of 6.20. Over the past 10 years, this metric has ranged from a low of 1.75 to a high of 11.51. The Banks industry median 5-Year Yield-on-Cost % is 3.88. BSP Financial Group's value of 6.39 is 64.7% above this industry median. Based on the distribution chart, BSP Financial Group ranks #318 out of 1255 companies in the Banks industry, which is above the industry midpoint. Overall, BSP Financial Group has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #318 out of 1255 companies for 5-Year Yield-on-Cost %. This puts BSP Financial Group in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. BSP Financial Group's value of 6.39 is 64.7% above this benchmark. Historically, BSP Financial Group's own 5-Year Yield-on-Cost % has ranged from 1.75 to 11.51 over the past decade. While the company's 10-year median is 6.20 vs. the industry median of 3.88, BSP Financial 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 Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 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. BSP Financial Group's current 5-Year Yield-on-Cost % of 6.39 is 64.7% 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 BSP Financial Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BSP Financial Group's current 5-Year Yield-on-Cost % is 6.39, which is near median its own 10-year median of 6.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$8.00, compared to a current price of A$8.17 — trading 2.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.39, which is near median its 10-year median of 6.20 and 64.7% above the Banks industry median of 3.88. BSP Financial Group's overall GF Score™ is 54/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current 5-Year Yield-on-Cost % is 6.39 as of Jul. 16, 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.17 is trading 2.1% above its estimated GF Value™ of A$8.00.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
5-Year Yield-on-Cost %: 6.39 (near median its 10-year median of 6.20)
GF Value™: A$8.00 vs. price of A$8.17 (2.1% above fair value)
Industry Position: 64.7% above the Banks median (#318 of 1255)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
54GF Score
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