Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Guaranty Trust Holding CoNSA:GTCO +0.08%81 5-Year Yield-on-Cost % is 9.67 as of Jul. 27, 2026, which is 28% above its 10-year median of 7.55. GuruFocus rates NSA:GTCO with a GF Score™ of 81/100 and a GF Value™ of ₦78.42 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, Guaranty Trust Holding Co ranks better than 86.66% on this metric.
The historical rank and industry rank for Guaranty Trust Holding Co's 5-Year Yield-on-Cost % or its related term are showing as below:
NSA:GTCO'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.95 Med: 7.55 Max: 17.09
Current: 9.67
During the past 6 years, Guaranty Trust Holding Co's highest Yield on Cost was 17.09. The lowest was 0.95. And the median was 7.55.
NSA:GTCO's 5-Year Yield-on-Cost % is ranked better than 86.66% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs NSA:GTCO: 9.67
Guaranty Trust Holding Co (NSA:GTCO) 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.
Guaranty Trust Holding Co 5-Year Yield-on-Cost % Related Terms
NSA:GTCO vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding Co's 5-Year Yield-on-Cost % falls into.
Guaranty Trust Holding Co 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.
Guaranty Trust Holding Co (NSA:GTCO) has a 5-Year Yield-on-Cost % of 9.67 as of Jul. 27, 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 Guaranty Trust Holding Co and its competitors. This is 28% above median its historical median of 7.55. Over the past decade, Guaranty Trust Holding Co's 5-Year Yield-on-Cost % has ranged from 0.95 to 17.09. According to the industry distribution chart, Guaranty Trust Holding Co ranks #167 out of 1252 companies in the Banks industry, placing it in the top 13.3%.
Is Guaranty Trust Holding Co's 5-Year Yield-on-Cost % too high?
Guaranty Trust Holding Co's current 5-Year Yield-on-Cost % of 9.67 is 28% above median its 10-year median of 7.55. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 17.09. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Guaranty Trust Holding Co's value of 9.67 is 149.5% above this industry median. Based on the distribution chart, Guaranty Trust Holding Co ranks #167 out of 1252 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Guaranty Trust Holding Co has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #167 out of 1252 companies for 5-Year Yield-on-Cost %. This places Guaranty Trust Holding Co in the top 13% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. Guaranty Trust Holding Co's value of 9.67 is 149.5% above this benchmark. Historically, Guaranty Trust Holding Co's own 5-Year Yield-on-Cost % has ranged from 0.95 to 17.09 over the past decade. While the company's 10-year median is 7.55 vs. the industry median of 3.88, Guaranty Trust Holding Co 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 3.88, based on 1,252 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. Guaranty Trust Holding Co's current 5-Year Yield-on-Cost % of 9.67 is 149.5% 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 Guaranty Trust Holding Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guaranty Trust Holding Co's current 5-Year Yield-on-Cost % is 9.67, which is 28% above median its own 10-year median of 7.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (NSA:GTCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦78.42, compared to a current price of ₦132.00 — trading 68.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 9.67, which is 28% above median its 10-year median of 7.55 and 149.5% above the Banks industry median of 3.88. Guaranty Trust Holding Co's overall GF Score™ is 81/100 with 3 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 Guaranty Trust Holding Co (NSA:GTCO), the current 5-Year Yield-on-Cost % is 9.67 as of Jul. 27, 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 Guaranty Trust Holding Co (NSA:GTCO) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of ₦132.00 is trading 68.3% above its estimated GF Value™ of ₦78.42.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for NSA:GTCO:
5-Year Yield-on-Cost %: 9.67 (28% above median its 10-year median of 7.55)
GF Value™: ₦78.42 vs. price of ₦132.00 (68.3% above fair value)
Industry Position: 149.5% above the Banks median (#167 of 1252)
No single metric tells the full story. See the NSA:GTCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
81GF Score
Get the complete analysis for NSA:GTCO
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:GTCO has been successfully added to your 
