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TotvsBSP:TOTS3 +2.26%91 5-Year Yield-on-Cost % is 6.48 as of Aug. 05, 2026, which is 80% above its 10-year median of 3.60. GuruFocus rates BSP:TOTS3 with a GF Score™ of 91/100 and a GF Value™ of R$48.16 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,009 Software companies, Totvs ranks better than 77.8% on this metric.
Totvs's yield on cost for the quarter that ended in Mar. 2026 was 6.48.
The historical rank and industry rank for Totvs's 5-Year Yield-on-Cost % or its related term are showing as below:
BSP:TOTS3'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.18 Med: 3.6 Max: 12.2
Current: 6.48
During the past 13 years, Totvs's highest Yield on Cost was 12.20. The lowest was 1.18. And the median was 3.60.
BSP:TOTS3's 5-Year Yield-on-Cost % is ranked better than 77.8% of 1009
companies
in the Software industry
Industry Median: 3.06
vs BSP:TOTS3: 6.48
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.
Totvs 5-Year Yield-on-Cost % Related Terms
BSP:TOTS3 vs QH, SHOP, UBER: 5-Year Yield-on-Cost % Comparison
For the Software - Application subindustry, Totvs'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.
Totvs 5-Year Yield-on-Cost % vs Software Industry
For the Software industry and Technology sector, Totvs's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Totvs'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 Totvs is calculated as
Totvs (BSP:TOTS3) has a 5-Year Yield-on-Cost % of 6.48 as of Aug. 05, 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 Totvs and its competitors. This is 80% above median its historical median of 3.60. Over the past decade, Totvs' 5-Year Yield-on-Cost % has ranged from 1.18 to 12.20. According to the industry distribution chart, Totvs ranks #224 out of 1009 companies in the Software industry, placing it in the top 22.2%.
Is Totvs' 5-Year Yield-on-Cost % too high?
Totvs' current 5-Year Yield-on-Cost % of 6.48 is 80% above median its 10-year median of 3.60. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 12.20. The Software industry median 5-Year Yield-on-Cost % is 3.06. Totvs' value of 6.48 is 111.8% above this industry median. Based on the distribution chart, Totvs ranks #224 out of 1009 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Totvs has a GF Score™ of 91/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Totvs' 5-Year Yield-on-Cost % compare to QH and SHOP?
According to the Software industry distribution chart, Totvs ranks #224 out of 1009 companies for 5-Year Yield-on-Cost %. This places Totvs in the top 22% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.06. Totvs' value of 6.48 is 111.8% above this benchmark. Historically, Totvs' own 5-Year Yield-on-Cost % has ranged from 1.18 to 12.20 over the past decade. While the company's 10-year median is 3.60 vs. the industry median of 3.06, Totvs 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 Software company?
The median 5-Year Yield-on-Cost % among Software companies is 3.06, based on 1,009 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. Totvs's current 5-Year Yield-on-Cost % of 6.48 is 111.8% 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 Totvs and its competitors. For the Software industry, the median 5-Year Yield-on-Cost % is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Totvs's current 5-Year Yield-on-Cost % is 6.48, which is 80% above median its own 10-year median of 3.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Totvs stock overvalued right now?
Based on GuruFocus' analysis, Totvs (BSP:TOTS3) is currently considered Significantly Undervalued. The stock's GF Value™ is R$48.16, compared to a current price of R$32.51 — trading 32.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.48, which is 80% above median its 10-year median of 3.60 and 111.8% above the Software industry median of 3.06. Totvs' overall GF Score™ is 91/100 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 Totvs (BSP:TOTS3), the current 5-Year Yield-on-Cost % is 6.48 as of Aug. 05, 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 Totvs (BSP:TOTS3) Overvalued in 2026?
Based on GuruFocus' analysis, Totvs stock appears to be undervalued.
The current stock price of R$32.51 is trading 32.5% below its estimated GF Value™ of R$48.16.
GuruFocus considers Totvs to be Significantly Undervalued.
Key valuation signals for BSP:TOTS3:
5-Year Yield-on-Cost %: 6.48 (80% above median its 10-year median of 3.60)
GF Value™: R$48.16 vs. price of R$32.51 (32.5% below fair value)
Industry Position: 111.8% above the Software median (#224 of 1009)
No single metric tells the full story. See the BSP:TOTS3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Totvs SA is a provider of information technology solutions to small and medium enterprises in the education, government, healthcare, and retail end markets. The Company's business purpose is to provide business solutions for companies of all sizes, through the development and sale of management software, productivity platforms, collaboration, and data intelligence, digital marketing, as well as the provision of implementation, consulting, advisory, maintenance services, e-commerce, and mobility. The Company operates in three reportable segments, which include the TOTVS Management segment, the RD Station segment, and the TOTVS Techfin segment. The majority of its revenues is generated from the TOTVS Management segment.
91GF Score
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