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Tinde SparebankOSL:TINDE -1.70%58 5-Year Yield-on-Cost % is 4.38 as of Sep. 10, 2026, which is 37% below its 10-year median of 6.94. GuruFocus rates OSL:TINDE with a GF Score™ of 58/100 and a GF Value™ of kr110.62 (Fairly Valued). The stock has 5 warning signs investors should review. Among 45 Diversified Financial Services companies, Tinde Sparebank ranks worse than 51.11% on this metric.
Tinde Sparebank's yield on cost for the quarter that ended in Jun. 2026 was 4.38.
The historical rank and industry rank for Tinde Sparebank's 5-Year Yield-on-Cost % or its related term are showing as below:
OSL:TINDE'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.33 Med: 6.94 Max: 8.81
Current: 4.38
During the past 9 years, Tinde Sparebank's highest Yield on Cost was 8.81. The lowest was 2.33. And the median was 6.94.
OSL:TINDE's 5-Year Yield-on-Cost % is ranked worse than 51.11% of 45
companies
in the Diversified Financial Services industry
Industry Median: 4.38
vs OSL:TINDE: 4.38
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.
Tinde Sparebank 5-Year Yield-on-Cost % Related Terms
OSL:TINDE vs FRHC, VOYA, HTH: 5-Year Yield-on-Cost % Comparison
For the Financial Conglomerates subindustry, Tinde Sparebank'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.
Tinde Sparebank 5-Year Yield-on-Cost % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Tinde Sparebank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Tinde Sparebank'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.
Therefore, Yield-on-Cost of Tinde Sparebank is calculated as
Tinde Sparebank (OSL:TINDE) has a 5-Year Yield-on-Cost % of 4.38 as of Sep. 10, 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 Tinde Sparebank and its competitors. This is 37% below median its historical median of 6.94. Over the past decade, Tinde Sparebank's 5-Year Yield-on-Cost % has ranged from 2.33 to 8.81. According to the industry distribution chart, Tinde Sparebank ranks #23 out of 45 companies in the Diversified Financial Services industry, placing it in the top 51.1%.
Is Tinde Sparebank's 5-Year Yield-on-Cost % too high?
Tinde Sparebank's current 5-Year Yield-on-Cost % of 4.38 is 37% below median its 10-year median of 6.94. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 8.81. The Diversified Financial Services industry median 5-Year Yield-on-Cost % is 4.38. Tinde Sparebank's value of 4.38 is 0% at this industry median. Based on the distribution chart, Tinde Sparebank ranks #23 out of 45 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Tinde Sparebank has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Tinde Sparebank's 5-Year Yield-on-Cost % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, Tinde Sparebank ranks #23 out of 45 companies for 5-Year Yield-on-Cost %. This places Tinde Sparebank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.38. Tinde Sparebank's value of 4.38 is 0% at this benchmark. Historically, Tinde Sparebank's own 5-Year Yield-on-Cost % has ranged from 2.33 to 8.81 over the past decade. While the company's 10-year median is 6.94 vs. the industry median of 4.38, Tinde Sparebank has consistently been at 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 Diversified Financial Services company?
The median 5-Year Yield-on-Cost % among Diversified Financial Services companies is 4.38, based on 45 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. Tinde Sparebank's current 5-Year Yield-on-Cost % of 4.38 is 0% at 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 Tinde Sparebank and its competitors. For the Diversified Financial Services industry, the median 5-Year Yield-on-Cost % is 4.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tinde Sparebank's current 5-Year Yield-on-Cost % is 4.38, which is 37% below median its own 10-year median of 6.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tinde Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Tinde Sparebank (OSL:TINDE) is currently considered Fairly Valued. The stock's GF Value™ is kr110.62, compared to a current price of kr110.10 — trading 0.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.38, which is 37% below median its 10-year median of 6.94 and 0% at the Diversified Financial Services industry median of 4.38. Tinde Sparebank's overall GF Score™ is 58/100 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 Tinde Sparebank (OSL:TINDE), the current 5-Year Yield-on-Cost % is 4.38 as of Sep. 10, 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 Tinde Sparebank (OSL:TINDE) Overvalued in 2026?
Based on GuruFocus' analysis, Tinde Sparebank stock appears to be undervalued.
The current stock price of kr110.10 is trading 0.5% below its estimated GF Value™ of kr110.62.
GuruFocus considers Tinde Sparebank to be Fairly Valued.
Key valuation signals for OSL:TINDE:
5-Year Yield-on-Cost %: 4.38 (37% below median its 10-year median of 6.94)
GF Value™: kr110.62 vs. price of kr110.10 (0.5% below fair value)
Industry Position: 0% at the Diversified Financial Services median (#23 of 45)
No single metric tells the full story. See the OSL:TINDE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tinde Sparebank is a new savings bank with solid roots in local communities. It provides Daily banking, Insurance, loans, Savings and retirement, Tips and advice, and avoiding scams.
58GF 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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