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PT Bank CIMB Niaga TbkFRA:NKX 80 5-Year Yield-on-Cost % is 43.36 as of Aug. 14, 2026, which is 100% above its 10-year median of 21.63. GuruFocus rates FRA:NKX with a GF Score™ of 80/100 and a GF Value™ of €0.05 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,251 Banks companies, PT Bank CIMB Niaga Tbk ranks better than 97.68% on this metric.
PT Bank CIMB Niaga Tbk's yield on cost for the quarter that ended in Mar. 2026 was 43.36.
The historical rank and industry rank for PT Bank CIMB Niaga Tbk's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:NKX'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 6.35 Med: 21.63 Max: 43.73
Current: 43.36
During the past 13 years, PT Bank CIMB Niaga Tbk's highest Yield on Cost was 43.73. The lowest was 6.35. And the median was 21.63.
FRA:NKX's 5-Year Yield-on-Cost % is ranked better than 97.68% of 1251
companies
in the Banks industry
Industry Median: 3.82
vs FRA:NKX: 43.36
PT Bank CIMB Niaga Tbk (FRA:NKX) 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 CIMB Niaga Tbk 5-Year Yield-on-Cost % Related Terms
PT Bank CIMB Niaga Tbk 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, PT Bank CIMB Niaga 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 CIMB Niaga Tbk 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank CIMB Niaga Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Bank CIMB Niaga Tbk's 5-Year Yield-on-Cost % falls into.
PT Bank CIMB Niaga 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 CIMB Niaga Tbk (FRA:NKX) has a 5-Year Yield-on-Cost % of 43.36 as of Aug. 14, 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 CIMB Niaga Tbk and its competitors. This is 100% above median its historical median of 21.63. Over the past decade, PT Bank CIMB Niaga Tbk's 5-Year Yield-on-Cost % has ranged from 6.35 to 43.73. According to the industry distribution chart, PT Bank CIMB Niaga Tbk ranks #29 out of 1251 companies in the Banks industry, placing it in the top 2.3%.
Is PT Bank CIMB Niaga Tbk's 5-Year Yield-on-Cost % too high?
PT Bank CIMB Niaga Tbk's current 5-Year Yield-on-Cost % of 43.36 is 100% above median its 10-year median of 21.63. Over the past 10 years, this metric has ranged from a low of 6.35 to a high of 43.73. The Banks industry median 5-Year Yield-on-Cost % is 3.82. PT Bank CIMB Niaga Tbk's value of 43.36 is 1035.1% above this industry median. Based on the distribution chart, PT Bank CIMB Niaga Tbk ranks #29 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank CIMB Niaga Tbk has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank CIMB Niaga Tbk's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, PT Bank CIMB Niaga Tbk ranks #29 out of 1251 companies for 5-Year Yield-on-Cost %. This places PT Bank CIMB Niaga Tbk in the top 2% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.82. PT Bank CIMB Niaga Tbk's value of 43.36 is 1035.1% above this benchmark. Historically, PT Bank CIMB Niaga Tbk's own 5-Year Yield-on-Cost % has ranged from 6.35 to 43.73 over the past decade. While the company's 10-year median is 21.63 vs. the industry median of 3.82, PT Bank CIMB Niaga 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 3.82, 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 CIMB Niaga Tbk's current 5-Year Yield-on-Cost % of 43.36 is 1035.1% 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 CIMB Niaga Tbk and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank CIMB Niaga Tbk's current 5-Year Yield-on-Cost % is 43.36, which is 100% above median its own 10-year median of 21.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank CIMB Niaga Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk (FRA:NKX) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.05, compared to a current price of €0.06 — trading 20% above its estimated fair value. The current 5-Year Yield-on-Cost % is 43.36, which is 100% above median its 10-year median of 21.63 and 1035.1% above the Banks industry median of 3.82. PT Bank CIMB Niaga Tbk's overall GF Score™ is 80/100 with 3 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 CIMB Niaga Tbk (FRA:NKX), the current 5-Year Yield-on-Cost % is 43.36 as of Aug. 14, 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 CIMB Niaga Tbk (FRA:NKX) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk stock appears to be overvalued.
The current stock price of €0.06 is trading 20% above its estimated GF Value™ of €0.05.
GuruFocus considers PT Bank CIMB Niaga Tbk to be Modestly Overvalued.
Key valuation signals for FRA:NKX:
5-Year Yield-on-Cost %: 43.36 (100% above median its 10-year median of 21.63)
GF Value™: €0.05 vs. price of €0.06 (20% above fair value)
Industry Position: 1035.1% above the Banks median (#29 of 1251)
No single metric tells the full story. See the FRA:NKX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank CIMB Niaga Tbk operates in the commercial banking sector. Its principal activities include accepting funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, and saving accounts; providing loans, safe deposit boxes, and online banking facilities; performing custodian and treasury activities; offering credit cards, factoring, and trust services; and others. The company's reportable segments are Corporate, Business, Retail, Treasury, Sharia, Others, and Subsidiaries. Key revenue is generated from its Retail segment, which focuses on providing products and services to individual customers. It includes products such as loans, deposits, and other transactions, and balances with retail customers.
80GF Score
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