Medibank PvtASX:MPL +0.20%77 5-Year Yield-on-Cost % is 5.04 as of Jul. 04, 2026, which is 4% below its 10-year median of 5.23. GuruFocus rates ASX:MPL with a GF Score™ of 77/100 and a GF Value™ of A$4.39 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 424 Insurance companies, Medibank Pvt ranks better than 62.03% on this metric.
Medibank Pvt's yield on cost for the quarter that ended in Dec. 2025 was 5.04.
The historical rank and industry rank for Medibank Pvt's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:MPL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.22 Med: 5.23 Max: 7.17
Current: 5.04
During the past 11 years, Medibank Pvt's highest Yield on Cost was 7.17. The lowest was 4.22. And the median was 5.23.
ASX:MPL's 5-Year Yield-on-Cost % is ranked better than 62.03% of 424
companies
in the Insurance industry
Industry Median: 3.965
vs ASX:MPL: 5.04
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.
Medibank Pvt 5-Year Yield-on-Cost % Related Terms
ASX:MPL vs FNF, AXS, FAF: 5-Year Yield-on-Cost % Comparison
For the Insurance - Specialty subindustry, Medibank Pvt'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.
Medibank Pvt 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Medibank Pvt's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Medibank Pvt'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 Medibank Pvt is calculated as
Medibank Pvt (ASX:MPL) has a 5-Year Yield-on-Cost % of 5.04 as of Jul. 04, 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 Medibank Pvt and its competitors. This is near median its historical median of 5.23. Over the past decade, Medibank Pvt's 5-Year Yield-on-Cost % has ranged from 4.22 to 7.17. According to the industry distribution chart, Medibank Pvt ranks #161 out of 424 companies in the Insurance industry, placing it in the top 38%.
Is Medibank Pvt's 5-Year Yield-on-Cost % too high?
Medibank Pvt's current 5-Year Yield-on-Cost % of 5.04 is near median its 10-year median of 5.23. Over the past 10 years, this metric has ranged from a low of 4.22 to a high of 7.17. The Insurance industry median 5-Year Yield-on-Cost % is 3.97. Medibank Pvt's value of 5.04 is 27.1% above this industry median. Based on the distribution chart, Medibank Pvt ranks #161 out of 424 companies in the Insurance industry, which is above the industry midpoint. Overall, Medibank Pvt has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's 5-Year Yield-on-Cost % compare to FNF and AXS?
According to the Insurance industry distribution chart, Medibank Pvt ranks #161 out of 424 companies for 5-Year Yield-on-Cost %. This puts Medibank Pvt in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.97. Medibank Pvt's value of 5.04 is 27.1% above this benchmark. Historically, Medibank Pvt's own 5-Year Yield-on-Cost % has ranged from 4.22 to 7.17 over the past decade. While the company's 10-year median is 5.23 vs. the industry median of 3.97, Medibank Pvt 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 an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.97, based on 424 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. Medibank Pvt's current 5-Year Yield-on-Cost % of 5.04 is 27.1% 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 Medibank Pvt and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medibank Pvt's current 5-Year Yield-on-Cost % is 5.04, which is near median its own 10-year median of 5.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Medibank Pvt stock overvalued right now?
Based on GuruFocus' analysis, Medibank Pvt (ASX:MPL) is currently considered Modestly Overvalued. The stock's GF Value™ is A$4.39, compared to a current price of A$5.00 — trading 13.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.04, which is near median its 10-year median of 5.23 and 27.1% above the Insurance industry median of 3.97. Medibank Pvt's overall GF Score™ is 77/100 with 6 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 Medibank Pvt (ASX:MPL), the current 5-Year Yield-on-Cost % is 5.04 as of Jul. 04, 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 Medibank Pvt (ASX:MPL) Overvalued in 2026?
Based on GuruFocus' analysis, Medibank Pvt stock appears to be overvalued.
The current stock price of A$5.00 is trading 13.9% above its estimated GF Value™ of A$4.39.
GuruFocus considers Medibank Pvt to be Modestly Overvalued.
Key valuation signals for ASX:MPL:
5-Year Yield-on-Cost %: 5.04 (near median its 10-year median of 5.23)
GF Value™: A$4.39 vs. price of A$5.00 (13.9% above fair value)
Industry Position: 27.1% above the Insurance median (#161 of 424)
No single metric tells the full story. See the ASX:MPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Previously owned by the Australian government, Medibank is the largest health insurer in Australia. Its two brands, Medibank Private and Ahm, cover around 5 million people. Medibank and Australia's fourth-largest health fund, NIB Holdings, are the only listed health insurers. In addition to private health insurance, the firm provides life, pet, and travel insurance, as well as health insurance for overseas students and temporary overseas workers. The Medibank Health division provides healthcare services to businesses, governments, and communities across Australia and New Zealand.
77GF Score
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