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ClienteleJSE:CLI 47 5-Year Yield-on-Cost % is 7.40 as of Jul. 30, 2026, which is 28% below its 10-year median of 10.33. GuruFocus rates JSE:CLI with a GF Score™ of 47/100 and a GF Value™ of R18.59 (Fairly Valued). The stock has 8 warning signs investors should review. Among 419 Insurance companies, Clientele ranks better than 80.67% on this metric.
Clientele's yield on cost for the quarter that ended in Dec. 2025 was 7.40.
The historical rank and industry rank for Clientele's 5-Year Yield-on-Cost % or its related term are showing as below:
JSE:CLI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.13 Med: 10.33 Max: 18.41
Current: 7.4
During the past 13 years, Clientele's highest Yield on Cost was 18.41. The lowest was 5.13. And the median was 10.33.
JSE:CLI's 5-Year Yield-on-Cost % is ranked better than 80.67% of 419
companies
in the Insurance industry
Industry Median: 3.87
vs JSE:CLI: 7.40
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.
Clientele 5-Year Yield-on-Cost % Related Terms
JSE:CLI vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Clientele'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.
Clientele 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Clientele's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Clientele'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 Clientele is calculated as
Clientele (JSE:CLI) has a 5-Year Yield-on-Cost % of 7.40 as of Jul. 30, 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 Clientele and its competitors. This is 28% below median its historical median of 10.33. Over the past decade, Clientele's 5-Year Yield-on-Cost % has ranged from 5.13 to 18.41. According to the industry distribution chart, Clientele ranks #81 out of 419 companies in the Insurance industry, placing it in the top 19.3%.
Is Clientele's 5-Year Yield-on-Cost % too high?
Clientele's current 5-Year Yield-on-Cost % of 7.40 is 28% below median its 10-year median of 10.33. Over the past 10 years, this metric has ranged from a low of 5.13 to a high of 18.41. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. Clientele's value of 7.40 is 91.2% above this industry median. Based on the distribution chart, Clientele ranks #81 out of 419 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Clientele has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Clientele ranks #81 out of 419 companies for 5-Year Yield-on-Cost %. This places Clientele in the top 19% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. Clientele's value of 7.40 is 91.2% above this benchmark. Historically, Clientele's own 5-Year Yield-on-Cost % has ranged from 5.13 to 18.41 over the past decade. While the company's 10-year median is 10.33 vs. the industry median of 3.87, Clientele 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 3.87, 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. Clientele's current 5-Year Yield-on-Cost % of 7.40 is 91.2% 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 Clientele and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clientele's current 5-Year Yield-on-Cost % is 7.40, which is 28% below median its own 10-year median of 10.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clientele stock overvalued right now?
Based on GuruFocus' analysis, Clientele (JSE:CLI) is currently considered Fairly Valued. The stock's GF Value™ is R18.59, compared to a current price of R19.71 — trading 6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.40, which is 28% below median its 10-year median of 10.33 and 91.2% above the Insurance industry median of 3.87. Clientele's overall GF Score™ is 47/100 with 8 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 Clientele (JSE:CLI), the current 5-Year Yield-on-Cost % is 7.40 as of Jul. 30, 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 Clientele (JSE:CLI) Overvalued in 2026?
Based on GuruFocus' analysis, Clientele stock appears to be overvalued.
The current stock price of R19.71 is trading 6% above its estimated GF Value™ of R18.59.
GuruFocus considers Clientele to be Fairly Valued.
Key valuation signals for JSE:CLI:
5-Year Yield-on-Cost %: 7.40 (28% below median its 10-year median of 10.33)
GF Value™: R18.59 vs. price of R19.71 (6% above fair value)
Industry Position: 91.2% above the Insurance median (#81 of 419)
No single metric tells the full story. See the JSE:CLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clientele Ltd is a diversified financial services group. It markets, distributes, and underwrites insurance and investment products. The company's operating segment includes Clientele Life Insurance, 1Life Insurance, Non-Life Insurance, Emerald Life Insurance, and CBC Rewards, Mobile & Direct Rewards. Its insurance products and services include Legal, Mobile, Wealth, Credit Life, Investments, and others. It generates maximum revenue from the 1Life insurance segment, which involves the sale and administration of long-term insurance risk policies. The group currently operates in the South African market only.
47GF Score
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