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Credito EmilianoMIL:CE +1.86%54 5-Year Yield-on-Cost % is 3.99 as of Jul. 14, 2026, which is 2% above its 10-year median of 3.93. GuruFocus rates MIL:CE with a GF Score™ of 54/100 and a GF Value™ of €9.93 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,257 Banks companies, Credito Emiliano ranks better than 51.87% on this metric.
Credito Emiliano's yield on cost for the quarter that ended in Mar. 2026 was 3.99.
The historical rank and industry rank for Credito Emiliano's 5-Year Yield-on-Cost % or its related term are showing as below:
MIL:CE'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.91 Med: 3.93 Max: 7.7
Current: 3.99
During the past 13 years, Credito Emiliano's highest Yield on Cost was 7.70. The lowest was 1.91. And the median was 3.93.
MIL:CE's 5-Year Yield-on-Cost % is ranked better than 51.87% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs MIL:CE: 3.99
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.
Credito Emiliano 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Credito Emiliano'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.
Credito Emiliano 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Credito Emiliano'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.
Credito Emiliano (MIL:CE) has a 5-Year Yield-on-Cost % of 3.99 as of Jul. 14, 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 Credito Emiliano and its competitors. This is near median its historical median of 3.93. Over the past decade, Credito Emiliano's 5-Year Yield-on-Cost % has ranged from 1.91 to 7.70. According to the industry distribution chart, Credito Emiliano ranks #605 out of 1257 companies in the Banks industry, placing it in the top 48.1%.
Is Credito Emiliano's 5-Year Yield-on-Cost % too high?
Credito Emiliano's current 5-Year Yield-on-Cost % of 3.99 is near median its 10-year median of 3.93. Over the past 10 years, this metric has ranged from a low of 1.91 to a high of 7.70. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Credito Emiliano's value of 3.99 is 2.6% above this industry median. Based on the distribution chart, Credito Emiliano ranks #605 out of 1257 companies in the Banks industry, which is above the industry midpoint. Overall, Credito Emiliano has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Credito Emiliano ranks #605 out of 1257 companies for 5-Year Yield-on-Cost %. This puts Credito Emiliano in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Credito Emiliano's value of 3.99 is 2.6% above this benchmark. Historically, Credito Emiliano's own 5-Year Yield-on-Cost % has ranged from 1.91 to 7.70 over the past decade. While the company's 10-year median is 3.93 vs. the industry median of 3.89, Credito Emiliano 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 1,257 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. Credito Emiliano's current 5-Year Yield-on-Cost % of 3.99 is 2.6% 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 Credito Emiliano 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. Credito Emiliano's current 5-Year Yield-on-Cost % is 3.99, which is near median its own 10-year median of 3.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credito Emiliano stock overvalued right now?
Based on GuruFocus' analysis, Credito Emiliano (MIL:CE) is currently considered Significantly Overvalued. The stock's GF Value™ is €9.93, compared to a current price of €19.14 — trading 92.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.99, which is near median its 10-year median of 3.93 and 2.6% above the Banks industry median of 3.89. Credito Emiliano's overall GF Score™ is 54/100 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 Credito Emiliano (MIL:CE), the current 5-Year Yield-on-Cost % is 3.99 as of Jul. 14, 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 Credito Emiliano (MIL:CE) Overvalued in 2026?
Based on GuruFocus' analysis, Credito Emiliano stock appears to be overvalued.
The current stock price of €19.14 is trading 92.7% above its estimated GF Value™ of €9.93.
GuruFocus considers Credito Emiliano to be Significantly Overvalued.
Key valuation signals for MIL:CE:
5-Year Yield-on-Cost %: 3.99 (near median its 10-year median of 3.93)
GF Value™: €9.93 vs. price of €19.14 (92.7% above fair value)
Industry Position: 2.6% above the Banks median (#605 of 1257)
No single metric tells the full story. See the MIL:CE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credito Emiliano is a banking group that consists of several financial services companies. The group operates in multiple regions throughout Italy, particularly in the north and central portions of the country. Its activities principally include commercial banking, including retail services and small and medium enterprise banking, asset management, bancassurance as well as Trading services, and treasury. The group's distribution network targeting retail and corporate banking customers includes branches, business centers, and financial outlets. It has two operating segments, Banking and Wealth Management. Banking segment involves Commercial Banking, Private Banking, Non-banking, Consumer Credit and Other/Technology. Wealth Management segment involves Asset Management and Insurance.
54GF Score
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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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