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Finbond GroupJSE:FGL +1.12%32 5-Year Yield-on-Cost % is 10.75 as of Jul. 17, 2026, which is 617% above its 10-year median of 1.50. GuruFocus rates JSE:FGL with a GF Score™ of 32/100 and a GF Value™ of R0.93 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, Finbond Group ranks better than 88.76% on this metric.
Finbond Group's yield on cost for the quarter that ended in Feb. 2026 was 10.75.
The historical rank and industry rank for Finbond Group's 5-Year Yield-on-Cost % or its related term are showing as below:
JSE:FGL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.59 Med: 1.5 Max: 24.19
Current: 10.75
During the past 13 years, Finbond Group's highest Yield on Cost was 24.19. The lowest was 0.59. And the median was 1.50.
JSE:FGL's 5-Year Yield-on-Cost % is ranked better than 88.76% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs JSE:FGL: 10.75
Finbond Group (JSE:FGL) 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.
Finbond Group 5-Year Yield-on-Cost % Related Terms
JSE:FGL vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, Finbond Group'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.
Finbond Group 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Finbond Group'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 Finbond Group is calculated as
Finbond Group (JSE:FGL) has a 5-Year Yield-on-Cost % of 10.75 as of Jul. 17, 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 Finbond Group and its competitors. This is 617% above median its historical median of 1.50. Over the past decade, Finbond Group's 5-Year Yield-on-Cost % has ranged from 0.59 to 24.19. According to the industry distribution chart, Finbond Group ranks #141 out of 1255 companies in the Banks industry, placing it in the top 11.2%.
Is Finbond Group's 5-Year Yield-on-Cost % too high?
Finbond Group's current 5-Year Yield-on-Cost % of 10.75 is 617% above median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 24.19. The Banks industry median 5-Year Yield-on-Cost % is 3.85. Finbond Group's value of 10.75 is 179.2% above this industry median. Based on the distribution chart, Finbond Group ranks #141 out of 1255 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Finbond Group has a GF Score™ of 32/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #141 out of 1255 companies for 5-Year Yield-on-Cost %. This places Finbond Group in the top 11% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.85. Finbond Group's value of 10.75 is 179.2% above this benchmark. Historically, Finbond Group's own 5-Year Yield-on-Cost % has ranged from 0.59 to 24.19 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 3.85, Finbond Group 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 3.85, based on 1,255 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. Finbond Group's current 5-Year Yield-on-Cost % of 10.75 is 179.2% 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 Finbond Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbond Group's current 5-Year Yield-on-Cost % is 10.75, which is 617% above median its own 10-year median of 1.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.93, compared to a current price of R0.90 — trading 3.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 10.75, which is 617% above median its 10-year median of 1.50 and 179.2% above the Banks industry median of 3.85. Finbond Group's overall GF Score™ is 32/100 with 7 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 Finbond Group (JSE:FGL), the current 5-Year Yield-on-Cost % is 10.75 as of Jul. 17, 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.90 is trading 3.2% below its estimated GF Value™ of R0.93.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
5-Year Yield-on-Cost %: 10.75 (617% above median its 10-year median of 1.50)
GF Value™: R0.93 vs. price of R0.90 (3.2% below fair value)
Industry Position: 179.2% above the Banks median (#141 of 1255)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
32GF Score
Get the complete analysis for JSE:FGL
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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