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SBI Shinsei BankFRA:LCJ -1.97%31 5-Year Yield-on-Cost % is 3.05 as of Jul. 26, 2026, which is 6% above its 10-year median of 2.88. GuruFocus rates FRA:LCJ with a GF Score™ of 31/100. The stock has 1 warning sign investors should review. Among 1,252 Banks companies, SBI Shinsei Bank ranks worse than 66.05% on this metric.
SBI Shinsei Bank's yield on cost for the quarter that ended in Mar. 2026 was 3.05.
The historical rank and industry rank for SBI Shinsei Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:LCJ'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.43 Med: 2.88 Max: 3.05
Current: 3.05
During the past 13 years, SBI Shinsei Bank's highest Yield on Cost was 3.05. The lowest was 2.43. And the median was 2.88.
FRA:LCJ's 5-Year Yield-on-Cost % is ranked worse than 66.05% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs FRA:LCJ: 3.05
SBI Shinsei Bank (FRA:LCJ) 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.
SBI Shinsei Bank 5-Year Yield-on-Cost % Related Terms
SBI Shinsei Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, SBI Shinsei 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.
SBI Shinsei Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, SBI Shinsei Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where SBI Shinsei Bank's 5-Year Yield-on-Cost % falls into.
SBI Shinsei 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.
SBI Shinsei Bank (FRA:LCJ) has a 5-Year Yield-on-Cost % of 3.05 as of Jul. 26, 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 SBI Shinsei Bank and its competitors. This is near median its historical median of 2.88. Over the past decade, SBI Shinsei Bank's 5-Year Yield-on-Cost % has ranged from 2.43 to 3.05. According to the industry distribution chart, SBI Shinsei Bank ranks #827 out of 1252 companies in the Banks industry, placing it in the top 66.1%.
Is SBI Shinsei Bank's 5-Year Yield-on-Cost % too high?
SBI Shinsei Bank's current 5-Year Yield-on-Cost % of 3.05 is near median its 10-year median of 2.88. Over the past 10 years, this metric has ranged from a low of 2.43 to a high of 3.05. The Banks industry median 5-Year Yield-on-Cost % is 3.88. SBI Shinsei Bank's value of 3.05 is 21.3% below this industry median. Based on the distribution chart, SBI Shinsei Bank ranks #827 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, SBI Shinsei Bank has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does SBI Shinsei Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, SBI Shinsei Bank ranks #827 out of 1252 companies for 5-Year Yield-on-Cost %. This places SBI Shinsei Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. SBI Shinsei Bank's value of 3.05 is 21.3% below this benchmark. Historically, SBI Shinsei Bank's own 5-Year Yield-on-Cost % has ranged from 2.43 to 3.05 over the past decade. While the company's 10-year median is 2.88 vs. the industry median of 3.88, SBI Shinsei Bank 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 a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 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. SBI Shinsei Bank's current 5-Year Yield-on-Cost % of 3.05 is 21.3% 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 SBI Shinsei Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Shinsei Bank's current 5-Year Yield-on-Cost % is 3.05, which is near median its own 10-year median of 2.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Shinsei Bank stock overvalued right now?
SBI Shinsei Bank (FRA:LCJ) has a current 5-Year Yield-on-Cost % of 3.05. The current 5-Year Yield-on-Cost % is 3.05, which is near median its 10-year median of 2.88 and 21.3% below the Banks industry median of 3.88. SBI Shinsei Bank's overall GF Score™ is 31/100 with 1 warning sign 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 SBI Shinsei Bank (FRA:LCJ), the current 5-Year Yield-on-Cost % is 3.05 as of Jul. 26, 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.
SBI Shinsei Bank Ltd is a commercial bank in Japan. It provides a broad range of value-added financial solutions to institutional and individual customers under the banner of "Better Banking. It offers PowerFlex account, free ATM network and internet banking service, and customer-friendly financial centers have redefined the Japanese retail banking experience.
31GF Score
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