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China Citic BankFRA:D7C +1.13%60 5-Year Yield-on-Cost % is 10.81 as of Jul. 25, 2026, which is 26% above its 10-year median of 8.60. GuruFocus rates FRA:D7C with a GF Score™ of 60/100 and a GF Value™ of €0.75 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,250 Banks companies, China Citic Bank ranks better than 85.68% on this metric.
China Citic Bank's yield on cost for the quarter that ended in Mar. 2026 was 10.81.
The historical rank and industry rank for China Citic Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:D7C'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.3 Med: 8.6 Max: 15.23
Current: 10.81
During the past 13 years, China Citic Bank's highest Yield on Cost was 15.23. The lowest was 5.30. And the median was 8.60.
FRA:D7C's 5-Year Yield-on-Cost % is ranked better than 85.68% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs FRA:D7C: 10.81
China Citic Bank (FRA:D7C) 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.
China Citic Bank 5-Year Yield-on-Cost % Related Terms
China Citic Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, China Citic Bank'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.
China Citic Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, China Citic Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where China Citic Bank's 5-Year Yield-on-Cost % falls into.
China Citic Bank 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.
China Citic Bank (FRA:D7C) has a 5-Year Yield-on-Cost % of 10.81 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 China Citic Bank and its competitors. This is 26% above median its historical median of 8.60. Over the past decade, China Citic Bank's 5-Year Yield-on-Cost % has ranged from 5.30 to 15.23. According to the industry distribution chart, China Citic Bank ranks #179 out of 1250 companies in the Banks industry, placing it in the top 14.3%.
Is China Citic Bank's 5-Year Yield-on-Cost % too high?
China Citic Bank's current 5-Year Yield-on-Cost % of 10.81 is 26% above median its 10-year median of 8.60. Over the past 10 years, this metric has ranged from a low of 5.30 to a high of 15.23. The Banks industry median 5-Year Yield-on-Cost % is 3.89. China Citic Bank's value of 10.81 is 178.2% above this industry median. Based on the distribution chart, China Citic Bank ranks #179 out of 1250 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, China Citic Bank has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, China Citic Bank ranks #179 out of 1250 companies for 5-Year Yield-on-Cost %. This places China Citic Bank in the top 14% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. China Citic Bank's value of 10.81 is 178.2% above this benchmark. Historically, China Citic Bank's own 5-Year Yield-on-Cost % has ranged from 5.30 to 15.23 over the past decade. While the company's 10-year median is 8.60 vs. the industry median of 3.89, China Citic Bank 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. China Citic Bank's current 5-Year Yield-on-Cost % of 10.81 is 178.2% 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 China Citic Bank 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. China Citic Bank's current 5-Year Yield-on-Cost % is 10.81, which is 26% above median its own 10-year median of 8.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (FRA:D7C) is currently considered Fairly Valued. The stock's GF Value™ is €0.75, compared to a current price of €0.81 — trading 7.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 10.81, which is 26% above median its 10-year median of 8.60 and 178.2% above the Banks industry median of 3.89. China Citic Bank's overall GF Score™ is 60/100 with 2 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 China Citic Bank (FRA:D7C), the current 5-Year Yield-on-Cost % is 10.81 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 China Citic Bank (FRA:D7C) Overvalued in 2026?
Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued.
The current stock price of €0.81 is trading 7.6% above its estimated GF Value™ of €0.75.
GuruFocus considers China Citic Bank to be Fairly Valued.
Key valuation signals for FRA:D7C:
5-Year Yield-on-Cost %: 10.81 (26% above median its 10-year median of 8.60)
GF Value™: €0.75 vs. price of €0.81 (7.6% above fair value)
Industry Position: 178.2% above the Banks median (#179 of 1250)
No single metric tells the full story. See the FRA:D7C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
60GF 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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