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XTBFRA:9PR -6.55%85 5-Year Yield-on-Cost % is 53.96 as of Jul. 18, 2026, which is 55% below its 10-year median of 121.10. GuruFocus rates FRA:9PR with a GF Score™ of 85/100 and a GF Value™ of €21.92 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 364 Capital Markets companies, XTB ranks better than 98.08% on this metric.
XTB's yield on cost for the quarter that ended in Mar. 2026 was 53.96.
The historical rank and industry rank for XTB's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:9PR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 16.1 Med: 121.1 Max: 286.39
Current: 53.96
During the past 11 years, XTB's highest Yield on Cost was 286.39. The lowest was 16.10. And the median was 121.10.
FRA:9PR's 5-Year Yield-on-Cost % is ranked better than 98.08% of 364
companies
in the Capital Markets industry
Industry Median: 2.985
vs FRA:9PR: 53.96
XTB (FRA:9PR) 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.
XTB 5-Year Yield-on-Cost % Related Terms
FRA:9PR vs MS, GS, SCHW: 5-Year Yield-on-Cost % Comparison
For the Capital Markets subindustry, XTB'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.
XTB 5-Year Yield-on-Cost % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, XTB's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where XTB'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.
XTB (FRA:9PR) has a 5-Year Yield-on-Cost % of 53.96 as of Jul. 18, 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 XTB and its competitors. This is 55% below median its historical median of 121.10. Over the past decade, XTB's 5-Year Yield-on-Cost % has ranged from 16.10 to 286.39. According to the industry distribution chart, XTB ranks #7 out of 364 companies in the Capital Markets industry, placing it in the top 1.9%.
Is XTB's 5-Year Yield-on-Cost % too high?
XTB's current 5-Year Yield-on-Cost % of 53.96 is 55% below median its 10-year median of 121.10. Over the past 10 years, this metric has ranged from a low of 16.10 to a high of 286.39. The Capital Markets industry median 5-Year Yield-on-Cost % is 2.99. XTB's value of 53.96 is 1707.7% above this industry median. Based on the distribution chart, XTB ranks #7 out of 364 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, XTB has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does XTB's 5-Year Yield-on-Cost % compare to MS and GS?
According to the Capital Markets industry distribution chart, XTB ranks #7 out of 364 companies for 5-Year Yield-on-Cost %. This places XTB in the top 2% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 2.99. XTB's value of 53.96 is 1707.7% above this benchmark. Historically, XTB's own 5-Year Yield-on-Cost % has ranged from 16.10 to 286.39 over the past decade. While the company's 10-year median is 121.10 vs. the industry median of 2.99, XTB 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 Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 2.99, based on 364 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. XTB's current 5-Year Yield-on-Cost % of 53.96 is 1707.7% 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 XTB and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 2.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XTB's current 5-Year Yield-on-Cost % is 53.96, which is 55% below median its own 10-year median of 121.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XTB stock overvalued right now?
Based on GuruFocus' analysis, XTB (FRA:9PR) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.92, compared to a current price of €28.97 — trading 32.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 53.96, which is 55% below median its 10-year median of 121.10 and 1707.7% above the Capital Markets industry median of 2.99. XTB's overall GF Score™ is 85/100 with 8 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 XTB (FRA:9PR), the current 5-Year Yield-on-Cost % is 53.96 as of Jul. 18, 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 XTB (FRA:9PR) Overvalued in 2026?
Based on GuruFocus' analysis, XTB stock appears to be overvalued.
The current stock price of €28.97 is trading 32.2% above its estimated GF Value™ of €21.92.
GuruFocus considers XTB to be Significantly Overvalued.
Key valuation signals for FRA:9PR:
5-Year Yield-on-Cost %: 53.96 (55% below median its 10-year median of 121.10)
GF Value™: €21.92 vs. price of €28.97 (32.2% above fair value)
Industry Position: 1707.7% above the Capital Markets median (#7 of 364)
No single metric tells the full story. See the FRA:9PR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
XTB SA is engaged in brokerage activities business. It is a Polish broker from the fin-tech sector, providing products and services dedicated to active investing, saving, and virtual payment management. The group conducts its operations through two business segments; the Retail segment includes the provision of trading in financial instruments for individual customers; the Institutional segment includes the provision of trading in financial instruments and offering trade infrastructure to entities (institutions), which in turn provide services of trading in financial instruments for their customers under their brand. It derives a majority of its revenue from the Retail segment.
85GF Score
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