FirstrandFANDF 85 5-Year Yield-on-Cost % is 12.26 as of Jul. 02, 2026, which is 10% above its 10-year median of 11.10. GuruFocus rates FANDF with a GF Score™ of 85/100 and a GF Value™ of $5.04 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,252 Banks companies, Firstrand ranks better than 89.78% on this metric.
Firstrand's yield on cost for the quarter that ended in Dec. 2025 was 12.26.
The historical rank and industry rank for Firstrand's 5-Year Yield-on-Cost % or its related term are showing as below:
FANDF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.33 Med: 11.1 Max: 19.2
Current: 12.26
During the past 13 years, Firstrand's highest Yield on Cost was 19.20. The lowest was 3.33. And the median was 11.10.
FANDF's 5-Year Yield-on-Cost % is ranked better than 89.78% of 1252
companies
in the Banks industry
Industry Median: 3.91
vs FANDF: 12.26
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.
Firstrand 5-Year Yield-on-Cost % Related Terms
FANDF vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Firstrand'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.
Firstrand 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Firstrand's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Firstrand'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 Firstrand is calculated as
Firstrand (FANDF) has a 5-Year Yield-on-Cost % of 12.26 as of Jul. 02, 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 Firstrand and its competitors. This is 10% above median its historical median of 11.10. Over the past decade, Firstrand's 5-Year Yield-on-Cost % has ranged from 3.33 to 19.20. According to the industry distribution chart, Firstrand ranks #128 out of 1252 companies in the Banks industry, placing it in the top 10.2%.
Is Firstrand's 5-Year Yield-on-Cost % too high?
Firstrand's current 5-Year Yield-on-Cost % of 12.26 is 10% above median its 10-year median of 11.10. Over the past 10 years, this metric has ranged from a low of 3.33 to a high of 19.20. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Firstrand's value of 12.26 is 213.6% above this industry median. Based on the distribution chart, Firstrand ranks #128 out of 1252 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Firstrand has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Firstrand's 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, Firstrand ranks #128 out of 1252 companies for 5-Year Yield-on-Cost %. This places Firstrand in the top 10% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.91. Firstrand's value of 12.26 is 213.6% above this benchmark. Historically, Firstrand's own 5-Year Yield-on-Cost % has ranged from 3.33 to 19.20 over the past decade. While the company's 10-year median is 11.10 vs. the industry median of 3.91, Firstrand 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 3.91, based on 1,252 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. Firstrand's current 5-Year Yield-on-Cost % of 12.26 is 213.6% 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 Firstrand and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstrand's current 5-Year Yield-on-Cost % is 12.26, which is 10% above median its own 10-year median of 11.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firstrand stock overvalued right now?
Based on GuruFocus' analysis, Firstrand (FANDF) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.04, compared to a current price of $5.60 — trading 11.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 12.26, which is 10% above median its 10-year median of 11.10 and 213.6% above the Banks industry median of 3.91. Firstrand's overall GF Score™ is 85/100 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 Firstrand (FANDF), the current 5-Year Yield-on-Cost % is 12.26 as of Jul. 02, 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 Firstrand (FANDF) Overvalued in 2026?
Based on GuruFocus' analysis, Firstrand stock appears to be overvalued.
The current stock price of $5.60 is trading 11.1% above its estimated GF Value™ of $5.04.
GuruFocus considers Firstrand to be Modestly Overvalued.
Key valuation signals for FANDF:
5-Year Yield-on-Cost %: 12.26 (10% above median its 10-year median of 11.10)
GF Value™: $5.04 vs. price of $5.60 (11.1% above fair value)
Industry Position: 213.6% above the Banks median (#128 of 1252)
No single metric tells the full story. See the FANDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firstrand Ltd wholly owns FirstRand Bank, a full-service bank providing a comprehensive range of retail, commercial, corporate and investment banking services in South Africa and offers niche products. The bank has three divisions, which are separately branded: First National Bank (FNB), WesBank and Rand Merchant Bank (RMB). The firm's reportable segment includes Retail and commercial segment, Corporate and institutional segment, Centre (including group treasury), Firstrand Bank Normalised, and Normalised adjustments.
85GF Score
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