Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) 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.
PT Bank Rakyat Indonesia (Persero) Tbk 5-Year Yield-on-Cost % Related Terms
PT Bank Rakyat Indonesia (Persero) Tbk 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Rakyat Indonesia (Persero) Tbk'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.
PT Bank Rakyat Indonesia (Persero) Tbk 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Rakyat Indonesia (Persero) Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Bank Rakyat Indonesia (Persero) Tbk's 5-Year Yield-on-Cost % falls into.
PT Bank Rakyat Indonesia (Persero) Tbk 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.
PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) has a 5-Year Yield-on-Cost % of 42.81 as of Aug. 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 PT Bank Rakyat Indonesia (Persero) Tbk and its competitors. This is 228% above median its historical median of 13.05. Over the past decade, PT Bank Rakyat Indonesia (Persero) Tbk's 5-Year Yield-on-Cost % has ranged from 3.73 to 49.03. According to the industry distribution chart, PT Bank Rakyat Indonesia (Persero) Tbk ranks #19 out of 1251 companies in the Banks industry, placing it in the top 1.5%.
Is PT Bank Rakyat Indonesia (Persero) Tbk's 5-Year Yield-on-Cost % too high?
PT Bank Rakyat Indonesia (Persero) Tbk's current 5-Year Yield-on-Cost % of 42.81 is 228% above median its 10-year median of 13.05. Over the past 10 years, this metric has ranged from a low of 3.73 to a high of 49.03. The Banks industry median 5-Year Yield-on-Cost % is 3.84. PT Bank Rakyat Indonesia (Persero) Tbk's value of 42.81 is 1014.8% above this industry median. Based on the distribution chart, PT Bank Rakyat Indonesia (Persero) Tbk ranks #19 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Rakyat Indonesia (Persero) Tbk has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Rakyat Indonesia (Persero) Tbk's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, PT Bank Rakyat Indonesia (Persero) Tbk ranks #19 out of 1251 companies for 5-Year Yield-on-Cost %. This places PT Bank Rakyat Indonesia (Persero) Tbk in the top 2% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.84. PT Bank Rakyat Indonesia (Persero) Tbk's value of 42.81 is 1014.8% above this benchmark. Historically, PT Bank Rakyat Indonesia (Persero) Tbk's own 5-Year Yield-on-Cost % has ranged from 3.73 to 49.03 over the past decade. While the company's 10-year median is 13.05 vs. the industry median of 3.84, PT Bank Rakyat Indonesia (Persero) Tbk 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 3.84, based on 1,251 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. PT Bank Rakyat Indonesia (Persero) Tbk's current 5-Year Yield-on-Cost % of 42.81 is 1014.8% 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 PT Bank Rakyat Indonesia (Persero) Tbk and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Rakyat Indonesia (Persero) Tbk's current 5-Year Yield-on-Cost % is 42.81, which is 228% above median its own 10-year median of 13.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Rakyat Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.24, compared to a current price of €0.14 — trading 41.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 42.81, which is 228% above median its 10-year median of 13.05 and 1014.8% above the Banks industry median of 3.84. PT Bank Rakyat Indonesia (Persero) Tbk's overall GF Score™ is 70/100 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 PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA), the current 5-Year Yield-on-Cost % is 42.81 as of Aug. 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 PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.14 is trading 41.7% below its estimated GF Value™ of €0.24.
GuruFocus considers PT Bank Rakyat Indonesia (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for FRA:BYRA:
5-Year Yield-on-Cost %: 42.81 (228% above median its 10-year median of 13.05)
GF Value™: €0.24 vs. price of €0.14 (41.7% below fair value)
Industry Position: 1014.8% above the Banks median (#19 of 1251)
No single metric tells the full story. See the FRA:BYRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Rakyat Indonesia (Persero) Tbk operates in the banking sector. It provides and tailors banking services to micro, small, and medium enterprises. Its segments are Micro, Retail, Corporate, Others, and Subsidiaries. The majority of its revenue is generated from the Micro segment. The company emphasizes integrating financial technology across its platforms to improve access for its customer base. Its core business services include collecting customer deposits, loan disbursement, issuing promissory notes and loan agreements, and collateralizing assets. Its loan products include working capital loans for corporate and commercial customers, as well as mortgages for consumer customers.
70GF Score
Get the complete analysis for FRA:BYRA
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:BYRA has been successfully added to your 
