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.
Banca MediolanumHAM:ME1 -1.66%61 5-Year Yield-on-Cost % is 2.89 as of Jul. 27, 2026, which is 51% below its 10-year median of 5.84. GuruFocus rates HAM:ME1 with a GF Score™ of 61/100 and a GF Value™ of €13.11. The stock has 6 warning signs investors should review. Among 1,252 Banks companies, Banca Mediolanum ranks better than 68.69% on this metric.
Banca Mediolanum's yield on cost for the quarter that ended in Dec. 2025 was 2.89.
The historical rank and industry rank for Banca Mediolanum's 5-Year Yield-on-Cost % or its related term are showing as below:
HAM:ME1'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.3 Med: 5.84 Max: 19.86
Current: 2.89
During the past 13 years, Banca Mediolanum's highest Yield on Cost was 19.86. The lowest was 0.30. And the median was 5.84.
HAM:ME1's 5-Year Yield-on-Cost % is ranked better than 68.69% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs HAM:ME1: 2.89
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.
Banca Mediolanum 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Banca Mediolanum'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.
Banca Mediolanum 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Mediolanum's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Banca Mediolanum'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.
Banca Mediolanum (HAM:ME1) has a 5-Year Yield-on-Cost % of 2.89 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 Banca Mediolanum and its competitors. This is 51% below median its historical median of 5.84. Over the past decade, Banca Mediolanum's 5-Year Yield-on-Cost % has ranged from 0.30 to 19.86. According to the industry distribution chart, Banca Mediolanum ranks #392 out of 1252 companies in the Banks industry, placing it in the top 31.3%.
Is Banca Mediolanum's 5-Year Yield-on-Cost % too high?
Banca Mediolanum's current 5-Year Yield-on-Cost % of 2.89 is 51% below median its 10-year median of 5.84. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 19.86. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Banca Mediolanum's value of 2.89 is 25.4% below this industry median. Based on the distribution chart, Banca Mediolanum ranks #392 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, Banca Mediolanum has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Banca Mediolanum's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Banca Mediolanum ranks #392 out of 1252 companies for 5-Year Yield-on-Cost %. This puts Banca Mediolanum in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Banca Mediolanum's value of 2.89 is 25.4% below this benchmark. Historically, Banca Mediolanum's own 5-Year Yield-on-Cost % has ranged from 0.30 to 19.86 over the past decade. While the company's 10-year median is 5.84 vs. the industry median of 3.88, Banca Mediolanum 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. Banca Mediolanum's current 5-Year Yield-on-Cost % of 2.89 is 25.4% 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 Banca Mediolanum 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. Banca Mediolanum's current 5-Year Yield-on-Cost % is 2.89, which is 51% below median its own 10-year median of 5.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Mediolanum stock overvalued right now?
Banca Mediolanum (HAM:ME1) has a current 5-Year Yield-on-Cost % of 2.89. The stock's GF Value™ is €13.11, compared to a current price of €22.47 — trading 71.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.89, which is 51% below median its 10-year median of 5.84 and 25.4% below the Banks industry median of 3.88. Banca Mediolanum's overall GF Score™ is 61/100 with 6 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 Banca Mediolanum (HAM:ME1), the current 5-Year Yield-on-Cost % is 2.89 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 Banca Mediolanum (HAM:ME1) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Mediolanum stock appears to be overvalued.
The current stock price of €22.47 is trading 71.4% above its estimated GF Value™ of €13.11.
Key valuation signals for HAM:ME1:
5-Year Yield-on-Cost %: 2.89 (51% below median its 10-year median of 5.84)
GF Value™: €13.11 vs. price of €22.47 (71.4% above fair value)
Industry Position: 25.4% below the Banks median (#392 of 1252)
No single metric tells the full story. See the HAM:ME1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Mediolanum is an Italy-based company which provides banking and financial services. It operates with various segments namely Lending which includes Retail and Commercial Banking, Treasury activities which has trading and sales, Asset Management and Retail Brokerage. The company offers current accounts, mortgages and loan products; credit, debit, and rechargeable cards and investment products. Geographically, it operates the market of Italy, Spain, and Germany of which Italy accounts for a larger share of revenue.
61GF Score
Get the complete analysis for HAM:ME1
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
HAM:ME1 has been successfully added to your 
