UniCredit SpALTS:0RLS +2.16%64 5-Year Yield-on-Cost % is 3.96 as of Jul. 11, 2026, which is 8% above its 10-year median of 3.67. GuruFocus rates LTS:0RLS with a GF Score™ of 64/100 and a GF Value™ of €46.05 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,253 Banks companies, UniCredit SpA ranks worse than 50.92% on this metric.
UniCredit SpA's yield on cost for the quarter that ended in Mar. 2026 was 3.96.
The historical rank and industry rank for UniCredit SpA's 5-Year Yield-on-Cost % or its related term are showing as below:
LTS:0RLS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.76 Med: 3.67 Max: 7.12
Current: 3.96
During the past 13 years, UniCredit SpA's highest Yield on Cost was 7.12. The lowest was 0.76. And the median was 3.67.
LTS:0RLS's 5-Year Yield-on-Cost % is ranked worse than 50.92% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs LTS:0RLS: 3.96
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.
UniCredit SpA 5-Year Yield-on-Cost % Related Terms
LTS:0RLS vs PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, UniCredit SpA'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.
UniCredit SpA 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit SpA's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where UniCredit SpA'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 UniCredit SpA is calculated as
UniCredit SpA (LTS:0RLS) has a 5-Year Yield-on-Cost % of 3.96 as of Jul. 11, 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 UniCredit SpA and its competitors. This is near median its historical median of 3.67. Over the past decade, UniCredit SpA's 5-Year Yield-on-Cost % has ranged from 0.76 to 7.12. According to the industry distribution chart, UniCredit SpA ranks #638 out of 1253 companies in the Banks industry, placing it in the top 50.9%.
Is UniCredit SpA's 5-Year Yield-on-Cost % too high?
UniCredit SpA's current 5-Year Yield-on-Cost % of 3.96 is near median its 10-year median of 3.67. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 7.12. The Banks industry median 5-Year Yield-on-Cost % is 3.89. UniCredit SpA's value of 3.96 is 1.8% above this industry median. Based on the distribution chart, UniCredit SpA ranks #638 out of 1253 companies in the Banks industry, which is below the industry midpoint. Overall, UniCredit SpA has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UniCredit SpA's 5-Year Yield-on-Cost % compare to PNC?
According to the Banks industry distribution chart, UniCredit SpA ranks #638 out of 1253 companies for 5-Year Yield-on-Cost %. This places UniCredit SpA in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. UniCredit SpA's value of 3.96 is 1.8% above this benchmark. Historically, UniCredit SpA's own 5-Year Yield-on-Cost % has ranged from 0.76 to 7.12 over the past decade. While the company's 10-year median is 3.67 vs. the industry median of 3.89, UniCredit SpA 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 3.89, based on 1,253 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. UniCredit SpA's current 5-Year Yield-on-Cost % of 3.96 is 1.8% 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 UniCredit SpA and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCredit SpA's current 5-Year Yield-on-Cost % is 3.96, which is near median its own 10-year median of 3.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit SpA stock overvalued right now?
Based on GuruFocus' analysis, UniCredit SpA (LTS:0RLS) is currently considered Significantly Overvalued. The stock's GF Value™ is €46.05, compared to a current price of €83.07 — trading 80.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.96, which is near median its 10-year median of 3.67 and 1.8% above the Banks industry median of 3.89. UniCredit SpA's overall GF Score™ is 64/100 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 UniCredit SpA (LTS:0RLS), the current 5-Year Yield-on-Cost % is 3.96 as of Jul. 11, 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 UniCredit SpA (LTS:0RLS) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit SpA stock appears to be overvalued.
The current stock price of €83.07 is trading 80.4% above its estimated GF Value™ of €46.05.
GuruFocus considers UniCredit SpA to be Significantly Overvalued.
Key valuation signals for LTS:0RLS:
5-Year Yield-on-Cost %: 3.96 (near median its 10-year median of 3.67)
GF Value™: €46.05 vs. price of €83.07 (80.4% above fair value)
Industry Position: 1.8% above the Banks median (#638 of 1253)
No single metric tells the full story. See the LTS:0RLS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit is one of the two largest Italian retail and commercial banks, but roughly half of its operations are outside Italy. UniCredit has a strong presence in Germany, Austria, and Central and Eastern Europe. It generates most of its revenue from retail banking but also maintains a sizable corporate and investment bank. It is is expanding its reach into asset management and insurance.
64GF Score
Get the complete analysis for LTS:0RLS
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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