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Foris AGHAM:FRS -1.27%66 5-Year Yield-on-Cost % is 4.84 as of Jul. 27, 2026, which is 36% above its 10-year median of 3.57. GuruFocus rates HAM:FRS with a GF Score™ of 66/100 and a GF Value™ of €2.57. The stock has 2 warning signs investors should review. Among 212 Credit Services companies, Foris AG ranks better than 50.94% on this metric.
Foris AG's yield on cost for the quarter that ended in Dec. 2025 was 4.84.
The historical rank and industry rank for Foris AG's 5-Year Yield-on-Cost % or its related term are showing as below:
HAM:FRS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.21 Med: 3.57 Max: 5.47
Current: 4.84
During the past 13 years, Foris AG's highest Yield on Cost was 5.47. The lowest was 3.21. And the median was 3.57.
HAM:FRS's 5-Year Yield-on-Cost % is ranked better than 50.94% of 212
companies
in the Credit Services industry
Industry Median: 4.505
vs HAM:FRS: 4.84
Foris AG (HAM:FRS) 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.
Foris AG 5-Year Yield-on-Cost % Related Terms
HAM:FRS vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Foris AG'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.
Foris AG 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Foris AG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Foris AG's 5-Year Yield-on-Cost % falls into.
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.
Therefore, Yield-on-Cost of Foris AG is calculated as
Foris AG (HAM:FRS) has a 5-Year Yield-on-Cost % of 4.84 as of Jul. 27, 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 Foris AG and its competitors. This is 36% above median its historical median of 3.57. Over the past decade, Foris AG's 5-Year Yield-on-Cost % has ranged from 3.21 to 5.47. According to the industry distribution chart, Foris AG ranks #104 out of 212 companies in the Credit Services industry, placing it in the top 49.1%.
Is Foris AG's 5-Year Yield-on-Cost % too high?
Foris AG's current 5-Year Yield-on-Cost % of 4.84 is 36% above median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 5.47. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. Foris AG's value of 4.84 is 7.4% above this industry median. Based on the distribution chart, Foris AG ranks #104 out of 212 companies in the Credit Services industry, which is above the industry midpoint. Overall, Foris AG has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Foris AG's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Foris AG ranks #104 out of 212 companies for 5-Year Yield-on-Cost %. This puts Foris AG in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.51. Foris AG's value of 4.84 is 7.4% above this benchmark. Historically, Foris AG's own 5-Year Yield-on-Cost % has ranged from 3.21 to 5.47 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 4.51, Foris AG 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 Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.51, based on 212 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. Foris AG's current 5-Year Yield-on-Cost % of 4.84 is 7.4% 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 Foris AG and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Foris AG's current 5-Year Yield-on-Cost % is 4.84, which is 36% above median its own 10-year median of 3.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foris AG stock overvalued right now?
Foris AG (HAM:FRS) has a current 5-Year Yield-on-Cost % of 4.84. The stock's GF Value™ is €2.57, compared to a current price of €3.10 — trading 20.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.84, which is 36% above median its 10-year median of 3.57 and 7.4% above the Credit Services industry median of 4.51. Foris AG's overall GF Score™ is 66/100 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 Foris AG (HAM:FRS), the current 5-Year Yield-on-Cost % is 4.84 as of Jul. 27, 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 Foris AG (HAM:FRS) Overvalued in 2026?
Based on GuruFocus' analysis, Foris AG stock appears to be overvalued.
The current stock price of €3.10 is trading 20.6% above its estimated GF Value™ of €2.57.
Key valuation signals for HAM:FRS:
5-Year Yield-on-Cost %: 4.84 (36% above median its 10-year median of 3.57)
GF Value™: €2.57 vs. price of €3.10 (20.6% above fair value)
Industry Position: 7.4% above the Credit Services median (#104 of 212)
No single metric tells the full story. See the HAM:FRS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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