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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.
General CapitalNZSE:GEN -1.79%37 5-Year Yield-on-Cost % is 4.31 as of Jul. 26, 2026, which is 91% above its 10-year median of 2.26. GuruFocus rates NZSE:GEN with a GF Score™ of 37/100 and a GF Value™ of NZ$0.99 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, General Capital ranks better than 57.35% on this metric.
General Capital's yield on cost for the quarter that ended in Mar. 2026 was 4.31.
The historical rank and industry rank for General Capital's 5-Year Yield-on-Cost % or its related term are showing as below:
NZSE:GEN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.88 Med: 2.26 Max: 4.31
Current: 4.31
During the past 13 years, General Capital's highest Yield on Cost was 4.31. The lowest was 1.88. And the median was 2.26.
NZSE:GEN's 5-Year Yield-on-Cost % is ranked better than 57.35% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs NZSE:GEN: 4.31
General Capital (NZSE:GEN) 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.
General Capital 5-Year Yield-on-Cost % Related Terms
NZSE:GEN vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, General Capital'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.
General Capital 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where General Capital's 5-Year Yield-on-Cost % falls into.
General Capital 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.
Therefore, Yield-on-Cost of General Capital is calculated as
General Capital (NZSE:GEN) has a 5-Year Yield-on-Cost % of 4.31 as of Jul. 26, 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 General Capital and its competitors. This is 91% above median its historical median of 2.26. Over the past decade, General Capital's 5-Year Yield-on-Cost % has ranged from 1.88 to 4.31. According to the industry distribution chart, General Capital ranks #534 out of 1252 companies in the Banks industry, placing it in the top 42.7%.
Is General Capital's 5-Year Yield-on-Cost % too high?
General Capital's current 5-Year Yield-on-Cost % of 4.31 is 91% above median its 10-year median of 2.26. Over the past 10 years, this metric has ranged from a low of 1.88 to a high of 4.31. The Banks industry median 5-Year Yield-on-Cost % is 3.88. General Capital's value of 4.31 is 11.2% above this industry median. Based on the distribution chart, General Capital ranks #534 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, General Capital has a GF Score™ of 37/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #534 out of 1252 companies for 5-Year Yield-on-Cost %. This puts General Capital in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. General Capital's value of 4.31 is 11.2% above this benchmark. Historically, General Capital's own 5-Year Yield-on-Cost % has ranged from 1.88 to 4.31 over the past decade. While the company's 10-year median is 2.26 vs. the industry median of 3.88, General Capital 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. General Capital's current 5-Year Yield-on-Cost % of 4.31 is 11.2% 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 General Capital 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. General Capital's current 5-Year Yield-on-Cost % is 4.31, which is 91% above median its own 10-year median of 2.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.99, compared to a current price of NZ$0.28 — trading 72.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.31, which is 91% above median its 10-year median of 2.26 and 11.2% above the Banks industry median of 3.88. General Capital's overall GF Score™ is 37/100 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 General Capital (NZSE:GEN), the current 5-Year Yield-on-Cost % is 4.31 as of Jul. 26, 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.28 is trading 72.2% below its estimated GF Value™ of NZ$0.99.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
5-Year Yield-on-Cost %: 4.31 (91% above median its 10-year median of 2.26)
GF Value™: NZ$0.99 vs. price of NZ$0.28 (72.2% below fair value)
Industry Position: 11.2% above the Banks median (#534 of 1252)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
37GF Score
Get the complete analysis for NZSE:GEN
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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