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Manx Financial GroupFRA:3IM +6.11%53 5-Year Yield-on-Cost % is 2.30 as of Jul. 17, 2026, which is 6% above its 10-year median of 2.16. GuruFocus rates FRA:3IM with a GF Score™ of 53/100 and a GF Value™ of €0.27 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,255 Banks companies, Manx Financial Group ranks worse than 81.51% on this metric.
Manx Financial Group's yield on cost for the quarter that ended in Dec. 2025 was 2.30.
The historical rank and industry rank for Manx Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:3IM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.74 Med: 2.16 Max: 3.77
Current: 2.3
During the past 13 years, Manx Financial Group's highest Yield on Cost was 3.77. The lowest was 0.74. And the median was 2.16.
FRA:3IM's 5-Year Yield-on-Cost % is ranked worse than 81.51% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs FRA:3IM: 2.30
Manx Financial Group (FRA:3IM) 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.
Manx Financial Group 5-Year Yield-on-Cost % Related Terms
FRA:3IM vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Manx Financial Group'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.
Manx Financial Group 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's 5-Year Yield-on-Cost % falls into.
Manx Financial Group 5-Year Yield-on-Cost % Calculation
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.
Manx Financial Group (FRA:3IM) has a 5-Year Yield-on-Cost % of 2.30 as of Jul. 17, 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 Manx Financial Group and its competitors. This is near median its historical median of 2.16. Over the past decade, Manx Financial Group's 5-Year Yield-on-Cost % has ranged from 0.74 to 3.77. According to the industry distribution chart, Manx Financial Group ranks #1023 out of 1255 companies in the Banks industry, placing it in the top 81.5%.
Is Manx Financial Group's 5-Year Yield-on-Cost % too high?
Manx Financial Group's current 5-Year Yield-on-Cost % of 2.30 is near median its 10-year median of 2.16. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 3.77. The Banks industry median 5-Year Yield-on-Cost % is 3.85. Manx Financial Group's value of 2.30 is 40.3% below this industry median. Based on the distribution chart, Manx Financial Group ranks #1023 out of 1255 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Manx Financial Group has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #1023 out of 1255 companies for 5-Year Yield-on-Cost %. This places Manx Financial Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. Manx Financial Group's value of 2.30 is 40.3% below this benchmark. Historically, Manx Financial Group's own 5-Year Yield-on-Cost % has ranged from 0.74 to 3.77 over the past decade. While the company's 10-year median is 2.16 vs. the industry median of 3.85, Manx Financial Group 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 Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, 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. Manx Financial Group's current 5-Year Yield-on-Cost % of 2.30 is 40.3% 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 Manx Financial Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manx Financial Group's current 5-Year Yield-on-Cost % is 2.30, which is near median its own 10-year median of 2.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.27, compared to a current price of €0.28 — trading 3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.30, which is near median its 10-year median of 2.16 and 40.3% below the Banks industry median of 3.85. Manx Financial Group's overall GF Score™ is 53/100 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 Manx Financial Group (FRA:3IM), the current 5-Year Yield-on-Cost % is 2.30 as of Jul. 17, 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.28 is trading 3% above its estimated GF Value™ of €0.27.
GuruFocus considers Manx Financial Group to be Fairly Valued.
Key valuation signals for FRA:3IM:
5-Year Yield-on-Cost %: 2.30 (near median its 10-year median of 2.16)
GF Value™: €0.27 vs. price of €0.28 (3% above fair value)
Industry Position: 40.3% below the Banks median (#1023 of 1255)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
53GF 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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