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United FinanceDHA:UNITEDFIN +5.43%60 5-Year Yield-on-Cost % is 3.94 as of Aug. 12, 2026, which is at its 10-year median of 3.94. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 60/100 and a GF Value™ of BDT13.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 212 Credit Services companies, United Finance ranks worse than 56.13% on this metric.
United Finance's yield on cost for the quarter that ended in Jun. 2026 was 3.94.
The historical rank and industry rank for United Finance's 5-Year Yield-on-Cost % or its related term are showing as below:
DHA:UNITEDFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.18 Med: 3.94 Max: 6.79
Current: 3.94
During the past 13 years, United Finance's highest Yield on Cost was 6.79. The lowest was 1.18. And the median was 3.94.
DHA:UNITEDFIN's 5-Year Yield-on-Cost % is ranked worse than 56.13% of 212
companies
in the Credit Services industry
Industry Median: 4.51
vs DHA:UNITEDFIN: 3.94
United Finance (DHA:UNITEDFIN) 5-Year Yield-on-Cost % Explanation
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.
United Finance 5-Year Yield-on-Cost % Related Terms
DHA:UNITEDFIN vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, United 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.
United Finance 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United 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 United Finance is calculated as
United Finance (DHA:UNITEDFIN) has a 5-Year Yield-on-Cost % of 3.94 as of Aug. 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 United Finance and its competitors. This is near median its historical median of 3.94. Over the past decade, United Finance's 5-Year Yield-on-Cost % has ranged from 1.18 to 6.79. According to the industry distribution chart, United Finance ranks #119 out of 212 companies in the Credit Services industry, placing it in the top 56.1%.
Is United Finance's 5-Year Yield-on-Cost % too high?
United Finance's current 5-Year Yield-on-Cost % of 3.94 is near median its 10-year median of 3.94. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 6.79. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. United Finance's value of 3.94 is 12.6% below this industry median. Based on the distribution chart, United Finance ranks #119 out of 212 companies in the Credit Services industry, which is below the industry midpoint. Overall, United Finance has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #119 out of 212 companies for 5-Year Yield-on-Cost %. This places United Finance in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.51. United Finance's value of 3.94 is 12.6% below this benchmark. Historically, United Finance's own 5-Year Yield-on-Cost % has ranged from 1.18 to 6.79 over the past decade. While the company's 10-year median is 3.94 vs. the industry median of 4.51, United 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 4.51, based on 212 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. United Finance's current 5-Year Yield-on-Cost % of 3.94 is 12.6% 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 United Finance and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance's current 5-Year Yield-on-Cost % is 3.94, which is near median its own 10-year median of 3.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT13.66, compared to a current price of BDT19.40 — trading 42% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.94, which is near median its 10-year median of 3.94 and 12.6% below the Credit Services industry median of 4.51. United Finance's overall GF Score™ is 60/100 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 United Finance (DHA:UNITEDFIN), the current 5-Year Yield-on-Cost % is 3.94 as of Aug. 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 United Finance (DHA:UNITEDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, United Finance stock appears to be overvalued.
The current stock price of BDT19.40 is trading 42% above its estimated GF Value™ of BDT13.66.
GuruFocus considers United Finance to be Significantly Overvalued.
Key valuation signals for DHA:UNITEDFIN:
5-Year Yield-on-Cost %: 3.94 (near median its 10-year median of 3.94)
GF Value™: BDT13.66 vs. price of BDT19.40 (42% above fair value)
Industry Position: 12.6% below the Credit Services median (#119 of 212)
No single metric tells the full story. See the DHA:UNITEDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
60GF Score
Get the complete analysis for DHA:UNITEDFIN
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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