The Pakistan Credit Rating Agency (KAR:GEMPACRA) 5-Year Yield-on-Cost %: 4.19 (As of Sep. 16, 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

KAR:GEMPACRA The Pakistan Credit Rating Agency Ltd KAR:GEMPACRA
11 GF Score
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What is The Pakistan Credit Rating Agency 5-Year Yield-on-Cost %?

The Pakistan Credit Rating Agency KAR:GEMPACRA 11 5-Year Yield-on-Cost % is 4.19 as of Sep. 16, 2026. GuruFocus rates KAR:GEMPACRA with a GF Score™ of 11/100. The stock has 2 warning signs investors should review. Among 367 Capital Markets companies, The Pakistan Credit Rating Agency ranks better than 55.31% on this metric.

The Pakistan Credit Rating Agency's yield on cost for the quarter that ended in . 20 was 4.19.


The historical rank and industry rank for The Pakistan Credit Rating Agency's 5-Year Yield-on-Cost % or its related term are showing as below:

KAR:GEMPACRA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0   Med: 0   Max: 5.95
Current: 4.19


During the past 0 years, The Pakistan Credit Rating Agency's highest Yield on Cost was 5.95. The lowest was 0.00. And the median was 0.00.


KAR:GEMPACRA's 5-Year Yield-on-Cost % is ranked better than
55.31% of 367 companies
in the Capital Markets industry
Industry Median: 3.39 vs KAR:GEMPACRA: 4.19

The Pakistan Credit Rating Agency  (KAR:GEMPACRA) 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.


The Pakistan Credit Rating Agency 5-Year Yield-on-Cost % Related Terms


KAR:GEMPACRA vs MS, GS, SCHW: 5-Year Yield-on-Cost % Comparison

For the Capital Markets subindustry, The Pakistan Credit Rating Agency'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.


The Pakistan Credit Rating Agency 5-Year Yield-on-Cost % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, The Pakistan Credit Rating Agency's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where The Pakistan Credit Rating Agency's 5-Year Yield-on-Cost % falls into.


KAR:GEMPACRA
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The Pakistan Credit Rating Agency Ltd KAR:GEMPACRA
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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The Pakistan Credit Rating Agency 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.

Therefore, Yield-on-Cost of The Pakistan Credit Rating Agency is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 4.19 mean?
The Pakistan Credit Rating Agency (KAR:GEMPACRA) has a 5-Year Yield-on-Cost % of 4.19 as of Sep. 16, 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 The Pakistan Credit Rating Agency and its competitors. According to the industry distribution chart, The Pakistan Credit Rating Agency ranks #164 out of 367 companies in the Capital Markets industry, placing it in the top 44.7%.
Is The Pakistan Credit Rating Agency's 5-Year Yield-on-Cost % too high?
The Pakistan Credit Rating Agency's current 5-Year Yield-on-Cost % is 4.19. The Capital Markets industry median 5-Year Yield-on-Cost % is 3.39. The Pakistan Credit Rating Agency's value of 4.19 is 23.6% above this industry median. Based on the distribution chart, The Pakistan Credit Rating Agency ranks #164 out of 367 companies in the Capital Markets industry, which is above the industry midpoint. Overall, The Pakistan Credit Rating Agency has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does The Pakistan Credit Rating Agency's 5-Year Yield-on-Cost % compare to MS and GS?
According to the Capital Markets industry distribution chart, The Pakistan Credit Rating Agency ranks #164 out of 367 companies for 5-Year Yield-on-Cost %. This puts The Pakistan Credit Rating Agency in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.39. The Pakistan Credit Rating Agency's value of 4.19 is 23.6% above this benchmark. 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 Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 3.39, based on 367 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. The Pakistan Credit Rating Agency's current 5-Year Yield-on-Cost % of 4.19 is 23.6% 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 The Pakistan Credit Rating Agency and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Pakistan Credit Rating Agency's current 5-Year Yield-on-Cost % is 4.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Pakistan Credit Rating Agency stock overvalued right now?
The Pakistan Credit Rating Agency (KAR:GEMPACRA) has a current 5-Year Yield-on-Cost % of 4.19. The current 5-Year Yield-on-Cost % is 4.19 and 23.6% above the Capital Markets industry median of 3.39. The Pakistan Credit Rating Agency's overall GF Score™ is 11/100 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 The Pakistan Credit Rating Agency (KAR:GEMPACRA), the current 5-Year Yield-on-Cost % is 4.19 as of Sep. 16, 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.

The Pakistan Credit Rating Agency Business Description

Address FB1, Awami Complex, Usman Block, New Garden Town, Lahore, PB, PAK
The Pakistan Credit Rating Agency Ltd provides credit rating services to evaluate the capacity and willingness of entities to meet their financial obligations. It offers independent assessments of credit risk for various debt instruments and entities. The company's ratings help investors make informed decisions by measuring creditworthiness. Its rating services include Entity rating, Instrument rating, Vendor assessment, and Fund rating. The agency generates revenue through fees charged for conducting credit ratings. It operates predominantly within Pakistan and is recognized by key regulatory bodies.
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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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