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Stanbic IBTC HoldingsNSA:STANBIC 77 5-Year Yield-on-Cost % is 8.52 as of Aug. 04, 2026, which is 28% below its 10-year median of 11.81. GuruFocus rates NSA:STANBIC with a GF Score™ of 77/100 and a GF Value™ of ₦120.70 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,252 Banks companies, Stanbic IBTC Holdings ranks better than 84.5% on this metric.
Stanbic IBTC Holdings's yield on cost for the quarter that ended in Mar. 2026 was 8.52.
The historical rank and industry rank for Stanbic IBTC Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
NSA:STANBIC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.52 Med: 11.81 Max: 33.19
Current: 8.52
During the past 13 years, Stanbic IBTC Holdings's highest Yield on Cost was 33.19. The lowest was 0.52. And the median was 11.81.
NSA:STANBIC's 5-Year Yield-on-Cost % is ranked better than 84.5% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs NSA:STANBIC: 8.52
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.
Stanbic IBTC Holdings 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Stanbic IBTC Holdings'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.
Stanbic IBTC Holdings 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Stanbic IBTC Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Stanbic IBTC Holdings'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.
Stanbic IBTC Holdings (NSA:STANBIC) has a 5-Year Yield-on-Cost % of 8.52 as of Aug. 04, 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 Stanbic IBTC Holdings and its competitors. This is 28% below median its historical median of 11.81. Over the past decade, Stanbic IBTC Holdings' 5-Year Yield-on-Cost % has ranged from 0.52 to 33.19. According to the industry distribution chart, Stanbic IBTC Holdings ranks #194 out of 1252 companies in the Banks industry, placing it in the top 15.5%.
Is Stanbic IBTC Holdings' 5-Year Yield-on-Cost % too high?
Stanbic IBTC Holdings' current 5-Year Yield-on-Cost % of 8.52 is 28% below median its 10-year median of 11.81. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 33.19. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Stanbic IBTC Holdings' value of 8.52 is 122.7% above this industry median. Based on the distribution chart, Stanbic IBTC Holdings ranks #194 out of 1252 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Stanbic IBTC Holdings has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stanbic IBTC Holdings' 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Stanbic IBTC Holdings ranks #194 out of 1252 companies for 5-Year Yield-on-Cost %. This places Stanbic IBTC Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.83. Stanbic IBTC Holdings' value of 8.52 is 122.7% above this benchmark. Historically, Stanbic IBTC Holdings' own 5-Year Yield-on-Cost % has ranged from 0.52 to 33.19 over the past decade. While the company's 10-year median is 11.81 vs. the industry median of 3.83, Stanbic IBTC Holdings 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 3.83, 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. Stanbic IBTC Holdings's current 5-Year Yield-on-Cost % of 8.52 is 122.7% 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 Stanbic IBTC Holdings and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stanbic IBTC Holdings's current 5-Year Yield-on-Cost % is 8.52, which is 28% below median its own 10-year median of 11.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stanbic IBTC Holdings stock overvalued right now?
Based on GuruFocus' analysis, Stanbic IBTC Holdings (NSA:STANBIC) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦120.70, compared to a current price of ₦159.00 — trading 31.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 8.52, which is 28% below median its 10-year median of 11.81 and 122.7% above the Banks industry median of 3.83. Stanbic IBTC Holdings' overall GF Score™ is 77/100 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 Stanbic IBTC Holdings (NSA:STANBIC), the current 5-Year Yield-on-Cost % is 8.52 as of Aug. 04, 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 Stanbic IBTC Holdings (NSA:STANBIC) Overvalued in 2026?
Based on GuruFocus' analysis, Stanbic IBTC Holdings stock appears to be overvalued.
The current stock price of ₦159.00 is trading 31.7% above its estimated GF Value™ of ₦120.70.
GuruFocus considers Stanbic IBTC Holdings to be Significantly Overvalued.
Key valuation signals for NSA:STANBIC:
5-Year Yield-on-Cost %: 8.52 (28% below median its 10-year median of 11.81)
GF Value™: ₦120.70 vs. price of ₦159.00 (31.7% above fair value)
Industry Position: 122.7% above the Banks median (#194 of 1252)
No single metric tells the full story. See the NSA:STANBIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stanbic IBTC Holdings PLC provides banking services. The company's operating segments include Personal & Private Banking (PPB), Business & Commercial Banking (BCB), Insurance & Asset Management (IAM), and Corporate & Investment Banking (CIB). It generates a majority of its revenue from the Corporate and Investment Banking segment, which serves companies, governments, parastatals, and institutional clients across Africa and internationally.
77GF 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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