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Emirates NBD PJSCDFM:EMIRATESNBD -2.66%69 5-Year Yield-on-Cost % is 10.79 as of Jul. 20, 2026, which is 12% below its 10-year median of 12.27. GuruFocus rates DFM:EMIRATESNBD with a GF Score™ of 69/100 and a GF Value™ of د.إ24.42 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,255 Banks companies, Emirates NBD PJSC ranks better than 88.45% on this metric.
Emirates NBD PJSC's yield on cost for the quarter that ended in Mar. 2026 was 10.79.
The historical rank and industry rank for Emirates NBD PJSC's 5-Year Yield-on-Cost % or its related term are showing as below:
DFM:EMIRATESNBD'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 8.41 Med: 12.27 Max: 24.42
Current: 10.79
During the past 13 years, Emirates NBD PJSC's highest Yield on Cost was 24.42. The lowest was 8.41. And the median was 12.27.
DFM:EMIRATESNBD's 5-Year Yield-on-Cost % is ranked better than 88.45% of 1255
companies
in the Banks industry
Industry Median: 3.86
vs DFM:EMIRATESNBD: 10.79
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.
Emirates NBD PJSC 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Emirates NBD PJSC'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.
Emirates NBD PJSC 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Emirates NBD PJSC's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Emirates NBD PJSC'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.
Emirates NBD PJSC (DFM:EMIRATESNBD) has a 5-Year Yield-on-Cost % of 10.79 as of Jul. 20, 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 Emirates NBD PJSC and its competitors. This is 12% below median its historical median of 12.27. Over the past decade, Emirates NBD PJSC's 5-Year Yield-on-Cost % has ranged from 8.41 to 24.42. According to the industry distribution chart, Emirates NBD PJSC ranks #145 out of 1255 companies in the Banks industry, placing it in the top 11.6%.
Is Emirates NBD PJSC's 5-Year Yield-on-Cost % too high?
Emirates NBD PJSC's current 5-Year Yield-on-Cost % of 10.79 is 12% below median its 10-year median of 12.27. Over the past 10 years, this metric has ranged from a low of 8.41 to a high of 24.42. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Emirates NBD PJSC's value of 10.79 is 179.5% above this industry median. Based on the distribution chart, Emirates NBD PJSC ranks #145 out of 1255 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Emirates NBD PJSC has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Emirates NBD PJSC's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Emirates NBD PJSC ranks #145 out of 1255 companies for 5-Year Yield-on-Cost %. This places Emirates NBD PJSC in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.86. Emirates NBD PJSC's value of 10.79 is 179.5% above this benchmark. Historically, Emirates NBD PJSC's own 5-Year Yield-on-Cost % has ranged from 8.41 to 24.42 over the past decade. While the company's 10-year median is 12.27 vs. the industry median of 3.86, Emirates NBD PJSC 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 3.86, 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. Emirates NBD PJSC's current 5-Year Yield-on-Cost % of 10.79 is 179.5% 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 Emirates NBD PJSC and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates NBD PJSC's current 5-Year Yield-on-Cost % is 10.79, which is 12% below median its own 10-year median of 12.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates NBD PJSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates NBD PJSC (DFM:EMIRATESNBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ24.42, compared to a current price of د.إ29.30 — trading 20% above its estimated fair value. The current 5-Year Yield-on-Cost % is 10.79, which is 12% below median its 10-year median of 12.27 and 179.5% above the Banks industry median of 3.86. Emirates NBD PJSC's overall GF Score™ is 69/100 with 3 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 Emirates NBD PJSC (DFM:EMIRATESNBD), the current 5-Year Yield-on-Cost % is 10.79 as of Jul. 20, 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 Emirates NBD PJSC (DFM:EMIRATESNBD) Overvalued in 2026?
Based on GuruFocus' analysis, Emirates NBD PJSC stock appears to be overvalued.
The current stock price of د.إ29.30 is trading 20% above its estimated GF Value™ of د.إ24.42.
GuruFocus considers Emirates NBD PJSC to be Modestly Overvalued.
Key valuation signals for DFM:EMIRATESNBD:
5-Year Yield-on-Cost %: 10.79 (12% below median its 10-year median of 12.27)
GF Value™: د.إ24.42 vs. price of د.إ29.30 (20% above fair value)
Industry Position: 179.5% above the Banks median (#145 of 1255)
No single metric tells the full story. See the DFM:EMIRATESNBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emirates NBD PJSC provides banking services. The company's operating segment includes Corporate and Institutional Banking; Retail Banking and Wealth Management; Global Markets and Treasury activities; DenizBank and others. It generates maximum revenue from the Retail Banking and Wealth Management segment. The Retail Banking and Wealth Management segment represents retail loans and deposits, private banking and wealth management, equity broking services, asset management, and consumer financing in the UAE and Egypt.
69GF Score
Get the complete analysis for DFM:EMIRATESNBD
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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