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.
United Bankers OyjFRA:DX0 73 5-Year Yield-on-Cost % is 5.00 as of Aug. 28, 2026, which is 2% below its 10-year median of 5.12. GuruFocus rates FRA:DX0 with a GF Score™ of 73/100 and a GF Value™ of €16.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,110 Asset Management companies, United Bankers Oyj ranks worse than 63.6% on this metric.
United Bankers Oyj's yield on cost for the quarter that ended in Jun. 2026 was 5.00.
The historical rank and industry rank for United Bankers Oyj's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:DX0'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.37 Med: 5.12 Max: 28.57
Current: 5
During the past 13 years, United Bankers Oyj's highest Yield on Cost was 28.57. The lowest was 2.37. And the median was 5.12.
FRA:DX0's 5-Year Yield-on-Cost % is ranked worse than 63.6% of 1110
companies
in the Asset Management industry
Industry Median: 6.335
vs FRA:DX0: 5.00
United Bankers Oyj (FRA:DX0) 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.
United Bankers Oyj 5-Year Yield-on-Cost % Related Terms
FRA:DX0 vs BLK, BX, KKR: 5-Year Yield-on-Cost % Comparison
For the Asset Management subindustry, United Bankers Oyj'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.
United Bankers Oyj 5-Year Yield-on-Cost % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, United Bankers Oyj's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Bankers Oyj's 5-Year Yield-on-Cost % falls into.
United Bankers Oyj 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.
United Bankers Oyj (FRA:DX0) has a 5-Year Yield-on-Cost % of 5.00 as of Aug. 28, 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 United Bankers Oyj and its competitors. This is near median its historical median of 5.12. Over the past decade, United Bankers Oyj's 5-Year Yield-on-Cost % has ranged from 2.37 to 28.57. According to the industry distribution chart, United Bankers Oyj ranks #706 out of 1110 companies in the Asset Management industry, placing it in the top 63.6%.
Is United Bankers Oyj's 5-Year Yield-on-Cost % too high?
United Bankers Oyj's current 5-Year Yield-on-Cost % of 5.00 is near median its 10-year median of 5.12. Over the past 10 years, this metric has ranged from a low of 2.37 to a high of 28.57. The Asset Management industry median 5-Year Yield-on-Cost % is 6.34. United Bankers Oyj's value of 5.00 is 21.1% below this industry median. Based on the distribution chart, United Bankers Oyj ranks #706 out of 1110 companies in the Asset Management industry, which is below the industry midpoint. Overall, United Bankers Oyj has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankers Oyj's 5-Year Yield-on-Cost % compare to BLK and BX?
According to the Asset Management industry distribution chart, United Bankers Oyj ranks #706 out of 1110 companies for 5-Year Yield-on-Cost %. This places United Bankers Oyj in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 6.34. United Bankers Oyj's value of 5.00 is 21.1% below this benchmark. Historically, United Bankers Oyj's own 5-Year Yield-on-Cost % has ranged from 2.37 to 28.57 over the past decade. While the company's 10-year median is 5.12 vs. the industry median of 6.34, United Bankers Oyj 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 an Asset Management company?
The median 5-Year Yield-on-Cost % among Asset Management companies is 6.34, based on 1,110 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. United Bankers Oyj's current 5-Year Yield-on-Cost % of 5.00 is 21.1% 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 United Bankers Oyj and its competitors. For the Asset Management industry, the median 5-Year Yield-on-Cost % is 6.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankers Oyj's current 5-Year Yield-on-Cost % is 5.00, which is near median its own 10-year median of 5.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankers Oyj stock overvalued right now?
Based on GuruFocus' analysis, United Bankers Oyj (FRA:DX0) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.94, compared to a current price of €22.60 — trading 33.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.00, which is near median its 10-year median of 5.12 and 21.1% below the Asset Management industry median of 6.34. United Bankers Oyj's overall GF Score™ is 73/100 with 7 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 United Bankers Oyj (FRA:DX0), the current 5-Year Yield-on-Cost % is 5.00 as of Aug. 28, 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 United Bankers Oyj (FRA:DX0) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankers Oyj stock appears to be overvalued.
The current stock price of €22.60 is trading 33.4% above its estimated GF Value™ of €16.94.
GuruFocus considers United Bankers Oyj to be Modestly Overvalued.
Key valuation signals for FRA:DX0:
5-Year Yield-on-Cost %: 5.00 (near median its 10-year median of 5.12)
GF Value™: €16.94 vs. price of €22.60 (33.4% above fair value)
Industry Position: 21.1% below the Asset Management median (#706 of 1110)
No single metric tells the full story. See the FRA:DX0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bankers Oyj provides investment products and services. The company has two business areas, wealth management and capital markets services. In wealth management, the Group specializes in real asset investments including forest real estate, and infrastructure funds. The majority of the income from operations is generated by the wealth management segment, whose customers include individuals, companies, and institutions.
73GF Score
Get the complete analysis for FRA:DX0
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:DX0 has been successfully added to your 
