Banca IfisCHIX:IFM +2.65%63 5-Year Yield-on-Cost % is 15.18 as of Jul. 12, 2026, which is 84% above its 10-year median of 8.26. GuruFocus rates CHIX:IFM with a GF Score™ of 63/100 and a GF Value™ of €24.45 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,258 Banks companies, Banca Ifis ranks better than 92.61% on this metric.
Banca Ifis's yield on cost for the quarter that ended in Mar. 2026 was 15.18.
The historical rank and industry rank for Banca Ifis's 5-Year Yield-on-Cost % or its related term are showing as below:
CHIX:IFm'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.71 Med: 8.26 Max: 18.62
Current: 15.18
During the past 13 years, Banca Ifis's highest Yield on Cost was 18.62. The lowest was 1.71. And the median was 8.26.
CHIX:IFm's 5-Year Yield-on-Cost % is ranked better than 92.61% of 1258
companies
in the Banks industry
Industry Median: 3.89
vs CHIX:IFm: 15.18
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.
Banca Ifis 5-Year Yield-on-Cost % Related Terms
CHIX:IFM vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Banca Ifis'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.
Banca Ifis 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Ifis's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Banca Ifis'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 Banca Ifis is calculated as
Banca Ifis (CHIX:IFM) has a 5-Year Yield-on-Cost % of 15.18 as of Jul. 12, 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 Banca Ifis and its competitors. This is 84% above median its historical median of 8.26. Over the past decade, Banca Ifis' 5-Year Yield-on-Cost % has ranged from 1.71 to 18.62. According to the industry distribution chart, Banca Ifis ranks #93 out of 1258 companies in the Banks industry, placing it in the top 7.4%.
Is Banca Ifis' 5-Year Yield-on-Cost % too high?
Banca Ifis' current 5-Year Yield-on-Cost % of 15.18 is 84% above median its 10-year median of 8.26. Over the past 10 years, this metric has ranged from a low of 1.71 to a high of 18.62. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Banca Ifis' value of 15.18 is 290.2% above this industry median. Based on the distribution chart, Banca Ifis ranks #93 out of 1258 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Ifis has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Ifis' 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Ifis ranks #93 out of 1258 companies for 5-Year Yield-on-Cost %. This places Banca Ifis in the top 7% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Banca Ifis' value of 15.18 is 290.2% above this benchmark. Historically, Banca Ifis' own 5-Year Yield-on-Cost % has ranged from 1.71 to 18.62 over the past decade. While the company's 10-year median is 8.26 vs. the industry median of 3.89, Banca Ifis 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 3.89, based on 1,258 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. Banca Ifis's current 5-Year Yield-on-Cost % of 15.18 is 290.2% 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 Banca Ifis and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Ifis's current 5-Year Yield-on-Cost % is 15.18, which is 84% above median its own 10-year median of 8.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Ifis stock overvalued right now?
Based on GuruFocus' analysis, Banca Ifis (CHIX:IFM) is currently considered Significantly Undervalued. The stock's GF Value™ is €24.45, compared to a current price of €13.97 — trading 42.9% below its estimated fair value. The current 5-Year Yield-on-Cost % is 15.18, which is 84% above median its 10-year median of 8.26 and 290.2% above the Banks industry median of 3.89. Banca Ifis' overall GF Score™ is 63/100 with 4 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 Banca Ifis (CHIX:IFM), the current 5-Year Yield-on-Cost % is 15.18 as of Jul. 12, 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 Banca Ifis (CHIX:IFM) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Ifis stock appears to be undervalued.
The current stock price of €13.97 is trading 42.9% below its estimated GF Value™ of €24.45.
GuruFocus considers Banca Ifis to be Significantly Undervalued.
Key valuation signals for CHIX:IFM:
5-Year Yield-on-Cost %: 15.18 (84% above median its 10-year median of 8.26)
GF Value™: €24.45 vs. price of €13.97 (42.9% below fair value)
Industry Position: 290.2% above the Banks median (#93 of 1258)
No single metric tells the full story. See the CHIX:IFM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Ifis is an independent banking group specializing in the provision of banking and other financial services. It specializes in providing factoring services, managing distressed loans, servicing and managing non-performing, secured loans, and offering leasing services, among other activities. The company's operating segments are Commercial & Corporate Banking, NPL, and Governance & Services and Non-Core. A majority of its revenue is generated from the Commercial & Corporate Banking segment, which represents the Group's commercial offerings dedicated to businesses and also includes personal loans with the assignment of one-fifth of salary or pension. This segment consists of the factoring, leasing, and corporate banking & lending business areas.
63GF Score
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