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HDB Financial ServicesNSE:HDBFS -2.63%9 5-Year Yield-on-Cost % is 0.53 as of Jul. 18, 2026, which is 77% above its 10-year median of 0.30. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 210 Credit Services companies, HDB Financial Services ranks worse than 87.62% on this metric.
HDB Financial Services's yield on cost for the quarter that ended in Jun. 2026 was 0.53.
The historical rank and industry rank for HDB Financial Services's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:HDBFS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.26 Med: 0.3 Max: 0.54
Current: 0.53
During the past 4 years, HDB Financial Services's highest Yield on Cost was 0.54. The lowest was 0.26. And the median was 0.30.
NSE:HDBFS's 5-Year Yield-on-Cost % is ranked worse than 87.62% of 210
companies
in the Credit Services industry
Industry Median: 4.575
vs NSE:HDBFS: 0.53
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.
HDB Financial Services 5-Year Yield-on-Cost % Related Terms
NSE:HDBFS vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, HDB Financial Services'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.
HDB Financial Services 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where HDB Financial Services'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.
HDB Financial Services (NSE:HDBFS) has a 5-Year Yield-on-Cost % of 0.53 as of Jul. 18, 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 HDB Financial Services and its competitors. This is 77% above median its historical median of 0.30. Over the past decade, HDB Financial Services' 5-Year Yield-on-Cost % has ranged from 0.26 to 0.54. According to the industry distribution chart, HDB Financial Services ranks #184 out of 210 companies in the Credit Services industry, placing it in the top 87.6%.
Is HDB Financial Services' 5-Year Yield-on-Cost % too high?
HDB Financial Services' current 5-Year Yield-on-Cost % of 0.53 is 77% above median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.54. The Credit Services industry median 5-Year Yield-on-Cost % is 4.58. HDB Financial Services' value of 0.53 is 88.4% below this industry median. Based on the distribution chart, HDB Financial Services ranks #184 out of 210 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, HDB Financial Services has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #184 out of 210 companies for 5-Year Yield-on-Cost %. This places HDB Financial Services in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.58. HDB Financial Services' value of 0.53 is 88.4% below this benchmark. Historically, HDB Financial Services' own 5-Year Yield-on-Cost % has ranged from 0.26 to 0.54 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 4.58, HDB Financial Services has consistently been below 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 4.58, 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. HDB Financial Services's current 5-Year Yield-on-Cost % of 0.53 is 88.4% below 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 HDB Financial Services and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current 5-Year Yield-on-Cost % is 0.53, which is 77% above median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current 5-Year Yield-on-Cost % of 0.53. The current 5-Year Yield-on-Cost % is 0.53, which is 77% above median its 10-year median of 0.30 and 88.4% below the Credit Services industry median of 4.58. HDB Financial Services' overall GF Score™ is 9/100 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 HDB Financial Services (NSE:HDBFS), the current 5-Year Yield-on-Cost % is 0.53 as of Jul. 18, 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.
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
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