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BNP Paribas Bank PolskaFRA:82MA -2.24%78 5-Year Yield-on-Cost % is 7.19 as of Jul. 25, 2026, which is 47% above its 10-year median of 4.88. GuruFocus rates FRA:82MA with a GF Score™ of 78/100 and a GF Value™ of €22.66 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,250 Banks companies, BNP Paribas Bank Polska ranks better than 77.44% on this metric.
The historical rank and industry rank for BNP Paribas Bank Polska's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:82MA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.09 Med: 4.88 Max: 7.71
Current: 7.19
During the past 13 years, BNP Paribas Bank Polska's highest Yield on Cost was 7.71. The lowest was 3.09. And the median was 4.88.
FRA:82MA's 5-Year Yield-on-Cost % is ranked better than 77.44% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs FRA:82MA: 7.19
BNP Paribas Bank Polska (FRA:82MA) 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.
BNP Paribas Bank Polska 5-Year Yield-on-Cost % Related Terms
FRA:82MA vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska's 5-Year Yield-on-Cost % falls into.
BNP Paribas Bank Polska 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.
BNP Paribas Bank Polska (FRA:82MA) has a 5-Year Yield-on-Cost % of 7.19 as of Jul. 25, 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 BNP Paribas Bank Polska and its competitors. This is 47% above median its historical median of 4.88. Over the past decade, BNP Paribas Bank Polska's 5-Year Yield-on-Cost % has ranged from 3.09 to 7.71. According to the industry distribution chart, BNP Paribas Bank Polska ranks #282 out of 1250 companies in the Banks industry, placing it in the top 22.6%.
Is BNP Paribas Bank Polska's 5-Year Yield-on-Cost % too high?
BNP Paribas Bank Polska's current 5-Year Yield-on-Cost % of 7.19 is 47% above median its 10-year median of 4.88. Over the past 10 years, this metric has ranged from a low of 3.09 to a high of 7.71. The Banks industry median 5-Year Yield-on-Cost % is 3.89. BNP Paribas Bank Polska's value of 7.19 is 85.1% above this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #282 out of 1250 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BNP Paribas Bank Polska has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #282 out of 1250 companies for 5-Year Yield-on-Cost %. This places BNP Paribas Bank Polska in the top 23% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. BNP Paribas Bank Polska's value of 7.19 is 85.1% above this benchmark. Historically, BNP Paribas Bank Polska's own 5-Year Yield-on-Cost % has ranged from 3.09 to 7.71 over the past decade. While the company's 10-year median is 4.88 vs. the industry median of 3.89, BNP Paribas Bank Polska 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 3.89, based on 1,250 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. BNP Paribas Bank Polska's current 5-Year Yield-on-Cost % of 7.19 is 85.1% 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 BNP Paribas Bank Polska and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BNP Paribas Bank Polska's current 5-Year Yield-on-Cost % is 7.19, which is 47% above median its own 10-year median of 4.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.66, compared to a current price of €32.70 — trading 44.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.19, which is 47% above median its 10-year median of 4.88 and 85.1% above the Banks industry median of 3.89. BNP Paribas Bank Polska's overall GF Score™ is 78/100 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 BNP Paribas Bank Polska (FRA:82MA), the current 5-Year Yield-on-Cost % is 7.19 as of Jul. 25, 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €32.70 is trading 44.3% above its estimated GF Value™ of €22.66.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
5-Year Yield-on-Cost %: 7.19 (47% above median its 10-year median of 4.88)
GF Value™: €22.66 vs. price of €32.70 (44.3% above fair value)
Industry Position: 85.1% above the Banks median (#282 of 1250)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
78GF Score
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