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IDLC FinanceDHA:IDLC +0.68%88 5-Year Yield-on-Cost % is 2.11 as of Jul. 16, 2026, which is 17% below its 10-year median of 2.53. GuruFocus rates DHA:IDLC with a GF Score™ of 88/100 and a GF Value™ of BDT45.69 (Fairly Valued). The stock has 4 warning signs investors should review. Among 210 Credit Services companies, IDLC Finance ranks worse than 70% on this metric.
IDLC Finance's yield on cost for the quarter that ended in Mar. 2026 was 2.11.
The historical rank and industry rank for IDLC Finance's 5-Year Yield-on-Cost % or its related term are showing as below:
DHA:IDLC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.27 Med: 2.53 Max: 5.34
Current: 2.11
During the past 13 years, IDLC Finance's highest Yield on Cost was 5.34. The lowest was 1.27. And the median was 2.53.
DHA:IDLC's 5-Year Yield-on-Cost % is ranked worse than 70% of 210
companies
in the Credit Services industry
Industry Median: 4.465
vs DHA:IDLC: 2.11
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.
IDLC Finance 5-Year Yield-on-Cost % Related Terms
DHA:IDLC vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, IDLC Finance'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.
IDLC Finance 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IDLC Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where IDLC Finance'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 IDLC Finance is calculated as
IDLC Finance (DHA:IDLC) has a 5-Year Yield-on-Cost % of 2.11 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 IDLC Finance and its competitors. This is 17% below median its historical median of 2.53. Over the past decade, IDLC Finance's 5-Year Yield-on-Cost % has ranged from 1.27 to 5.34. According to the industry distribution chart, IDLC Finance ranks #147 out of 210 companies in the Credit Services industry, placing it in the top 70%.
Is IDLC Finance's 5-Year Yield-on-Cost % too high?
IDLC Finance's current 5-Year Yield-on-Cost % of 2.11 is 17% below median its 10-year median of 2.53. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 5.34. The Credit Services industry median 5-Year Yield-on-Cost % is 4.47. IDLC Finance's value of 2.11 is 52.7% below this industry median. Based on the distribution chart, IDLC Finance ranks #147 out of 210 companies in the Credit Services industry, which is below the industry midpoint. Overall, IDLC Finance has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, IDLC Finance ranks #147 out of 210 companies for 5-Year Yield-on-Cost %. This places IDLC Finance in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.47. IDLC Finance's value of 2.11 is 52.7% below this benchmark. Historically, IDLC Finance's own 5-Year Yield-on-Cost % has ranged from 1.27 to 5.34 over the past decade. While the company's 10-year median is 2.53 vs. the industry median of 4.47, IDLC Finance has consistently been below 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 Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.47, based on 210 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. IDLC Finance's current 5-Year Yield-on-Cost % of 2.11 is 52.7% below 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 IDLC Finance and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IDLC Finance's current 5-Year Yield-on-Cost % is 2.11, which is 17% below median its own 10-year median of 2.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT45.69, compared to a current price of BDT44.40 — trading 2.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.11, which is 17% below median its 10-year median of 2.53 and 52.7% below the Credit Services industry median of 4.47. IDLC Finance's overall GF Score™ is 88/100 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 IDLC Finance (DHA:IDLC), the current 5-Year Yield-on-Cost % is 2.11 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT44.40 is trading 2.8% below its estimated GF Value™ of BDT45.69.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
5-Year Yield-on-Cost %: 2.11 (17% below median its 10-year median of 2.53)
GF Value™: BDT45.69 vs. price of BDT44.40 (2.8% below fair value)
Industry Position: 52.7% below the Credit Services median (#147 of 210)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
88GF Score
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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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