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Tokio Marine HoldingsHAM:MH6 +1.18%61 5-Year Yield-on-Cost % is 9.04 as of Jul. 25, 2026, which is 12% below its 10-year median of 10.28. GuruFocus rates HAM:MH6 with a GF Score™ of 61/100 and a GF Value™ of €33.85 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 419 Insurance companies, Tokio Marine Holdings ranks better than 87.59% on this metric.
Tokio Marine Holdings's yield on cost for the quarter that ended in Mar. 2026 was 9.04.
The historical rank and industry rank for Tokio Marine Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
HAM:MH6'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 6.41 Med: 10.28 Max: 13.98
Current: 9.04
During the past 13 years, Tokio Marine Holdings's highest Yield on Cost was 13.98. The lowest was 6.41. And the median was 10.28.
HAM:MH6's 5-Year Yield-on-Cost % is ranked better than 87.59% of 419
companies
in the Insurance industry
Industry Median: 3.92
vs HAM:MH6: 9.04
Tokio Marine Holdings (HAM:MH6) 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.
Tokio Marine Holdings 5-Year Yield-on-Cost % Related Terms
HAM:MH6 vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, Tokio Marine Holdings'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.
Tokio Marine Holdings 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tokio Marine Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Tokio Marine Holdings's 5-Year Yield-on-Cost % falls into.
Tokio Marine Holdings 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.
Tokio Marine Holdings (HAM:MH6) has a 5-Year Yield-on-Cost % of 9.04 as of Jul. 25, 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 Tokio Marine Holdings and its competitors. This is 12% below median its historical median of 10.28. Over the past decade, Tokio Marine Holdings' 5-Year Yield-on-Cost % has ranged from 6.41 to 13.98. According to the industry distribution chart, Tokio Marine Holdings ranks #52 out of 419 companies in the Insurance industry, placing it in the top 12.4%.
Is Tokio Marine Holdings' 5-Year Yield-on-Cost % too high?
Tokio Marine Holdings' current 5-Year Yield-on-Cost % of 9.04 is 12% below median its 10-year median of 10.28. Over the past 10 years, this metric has ranged from a low of 6.41 to a high of 13.98. The Insurance industry median 5-Year Yield-on-Cost % is 3.92. Tokio Marine Holdings' value of 9.04 is 130.6% above this industry median. Based on the distribution chart, Tokio Marine Holdings ranks #52 out of 419 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Tokio Marine Holdings has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tokio Marine Holdings' 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, Tokio Marine Holdings ranks #52 out of 419 companies for 5-Year Yield-on-Cost %. This places Tokio Marine Holdings in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.92. Tokio Marine Holdings' value of 9.04 is 130.6% above this benchmark. Historically, Tokio Marine Holdings' own 5-Year Yield-on-Cost % has ranged from 6.41 to 13.98 over the past decade. While the company's 10-year median is 10.28 vs. the industry median of 3.92, Tokio Marine Holdings 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 an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.92, based on 419 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. Tokio Marine Holdings's current 5-Year Yield-on-Cost % of 9.04 is 130.6% 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 Tokio Marine Holdings and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tokio Marine Holdings's current 5-Year Yield-on-Cost % is 9.04, which is 12% below median its own 10-year median of 10.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tokio Marine Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tokio Marine Holdings (HAM:MH6) is currently considered Modestly Overvalued. The stock's GF Value™ is €33.85, compared to a current price of €43.26 — trading 27.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 9.04, which is 12% below median its 10-year median of 10.28 and 130.6% above the Insurance industry median of 3.92. Tokio Marine Holdings' overall GF Score™ is 61/100 with 5 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 Tokio Marine Holdings (HAM:MH6), the current 5-Year Yield-on-Cost % is 9.04 as of Jul. 25, 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 Tokio Marine Holdings (HAM:MH6) Overvalued in 2026?
Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued.
The current stock price of €43.26 is trading 27.8% above its estimated GF Value™ of €33.85.
GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.
Key valuation signals for HAM:MH6:
5-Year Yield-on-Cost %: 9.04 (12% below median its 10-year median of 10.28)
GF Value™: €33.85 vs. price of €43.26 (27.8% above fair value)
Industry Position: 130.6% above the Insurance median (#52 of 419)
No single metric tells the full story. See the HAM:MH6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dating back to 1879, Tokio Marine is the oldest insurance company in Japan and operated as its top property and casualty insurer for decades. Following industry consolidation, it now shares domestic dominance with MS and AD and Sompo. However, Tokio Marine remains by far the most valuable listed Japanese insurer by market capitalization. This premium valuation is driven by an aggressive unwinding of domestic cross-shareholdings and a highly profitable overseas portfolio. The majority of its international business is based in the United States, where it has acquired premium specialty insurers since 2008, including Philadelphia Consolidated, Delphi Financial, Tokio Marine HCC, and Privilege Underwriters Reciprocal Exchange, recently fortified by a capital alliance with Berkshire Hathaway.
61GF Score
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