Generalfinance SpAMIL:GF -1.35%73 5-Year Yield-on-Cost % is 4.58 as of Jul. 08, 2026, which is 0% below its 10-year median of 4.60. GuruFocus rates MIL:GF with a GF Score™ of 73/100 and a GF Value™ of €15.96 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 210 Credit Services companies, Generalfinance SpA ranks better than 51.9% on this metric.
Generalfinance SpA's yield on cost for the quarter that ended in Mar. 2026 was 4.58.
The historical rank and industry rank for Generalfinance SpA's 5-Year Yield-on-Cost % or its related term are showing as below:
MIL:GF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.69 Med: 4.6 Max: 5.55
Current: 4.58
During the past 8 years, Generalfinance SpA's highest Yield on Cost was 5.55. The lowest was 2.69. And the median was 4.60.
MIL:GF's 5-Year Yield-on-Cost % is ranked better than 51.9% of 210
companies
in the Credit Services industry
Industry Median: 4.56
vs MIL:GF: 4.58
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.
Generalfinance SpA 5-Year Yield-on-Cost % Related Terms
MIL:GF vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Generalfinance 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.
Generalfinance SpA 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Generalfinance 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.
Generalfinance SpA (MIL:GF) has a 5-Year Yield-on-Cost % of 4.58 as of Jul. 08, 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 Generalfinance SpA and its competitors. This is near median its historical median of 4.60. Over the past decade, Generalfinance SpA's 5-Year Yield-on-Cost % has ranged from 2.69 to 5.55. According to the industry distribution chart, Generalfinance SpA ranks #101 out of 210 companies in the Credit Services industry, placing it in the top 48.1%.
Is Generalfinance SpA's 5-Year Yield-on-Cost % too high?
Generalfinance SpA's current 5-Year Yield-on-Cost % of 4.58 is near median its 10-year median of 4.60. Over the past 10 years, this metric has ranged from a low of 2.69 to a high of 5.55. The Credit Services industry median 5-Year Yield-on-Cost % is 4.56. Generalfinance SpA's value of 4.58 is 0.4% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #101 out of 210 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #101 out of 210 companies for 5-Year Yield-on-Cost %. This puts Generalfinance SpA in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.56. Generalfinance SpA's value of 4.58 is 0.4% above this benchmark. Historically, Generalfinance SpA's own 5-Year Yield-on-Cost % has ranged from 2.69 to 5.55 over the past decade. While the company's 10-year median is 4.60 vs. the industry median of 4.56, Generalfinance 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 Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.56, based on 210 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. Generalfinance SpA's current 5-Year Yield-on-Cost % of 4.58 is 0.4% 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 Generalfinance SpA and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current 5-Year Yield-on-Cost % is 4.58, which is near median its own 10-year median of 4.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.96, compared to a current price of €29.30 — trading 83.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.58, which is near median its 10-year median of 4.60 and 0.4% above the Credit Services industry median of 4.56. Generalfinance SpA's overall GF Score™ is 73/100 with 9 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 Generalfinance SpA (MIL:GF), the current 5-Year Yield-on-Cost % is 4.58 as of Jul. 08, 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 Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €29.30 is trading 83.6% above its estimated GF Value™ of €15.96.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
5-Year Yield-on-Cost %: 4.58 (near median its 10-year median of 4.60)
GF Value™: €15.96 vs. price of €29.30 (83.6% above fair value)
Industry Position: 0.4% above the Credit Services median (#101 of 210)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
73GF 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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