Makati FinancePHS:MFIN 51 5-Year Yield-on-Cost % is 0.34 as of Jul. 02, 2026, which is 32% below its 10-year median of 0.50. GuruFocus rates PHS:MFIN with a GF Score™ of 51/100 and a GF Value™ of ₱1.65 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 211 Credit Services companies, Makati Finance ranks worse than 93.36% on this metric.
Makati Finance's yield on cost for the quarter that ended in Mar. 2026 was 0.34.
The historical rank and industry rank for Makati Finance's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:MFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.17 Med: 0.5 Max: 1.55
Current: 0.34
During the past 13 years, Makati Finance's highest Yield on Cost was 1.55. The lowest was 0.17. And the median was 0.50.
PHS:MFIN's 5-Year Yield-on-Cost % is ranked worse than 93.36% of 211
companies
in the Credit Services industry
Industry Median: 4.58
vs PHS:MFIN: 0.34
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.
Makati Finance 5-Year Yield-on-Cost % Related Terms
PHS:MFIN vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Makati Finance'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.
Makati Finance 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Makati Finance'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 Makati Finance is calculated as
Makati Finance (PHS:MFIN) has a 5-Year Yield-on-Cost % of 0.34 as of Jul. 02, 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 Makati Finance and its competitors. This is 32% below median its historical median of 0.50. Over the past decade, Makati Finance's 5-Year Yield-on-Cost % has ranged from 0.17 to 1.55. According to the industry distribution chart, Makati Finance ranks #197 out of 211 companies in the Credit Services industry, placing it in the top 93.4%.
Is Makati Finance's 5-Year Yield-on-Cost % too high?
Makati Finance's current 5-Year Yield-on-Cost % of 0.34 is 32% below median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 1.55. The Credit Services industry median 5-Year Yield-on-Cost % is 4.58. Makati Finance's value of 0.34 is 92.6% below this industry median. Based on the distribution chart, Makati Finance ranks #197 out of 211 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Makati Finance has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #197 out of 211 companies for 5-Year Yield-on-Cost %. This places Makati Finance in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.58. Makati Finance's value of 0.34 is 92.6% below this benchmark. Historically, Makati Finance's own 5-Year Yield-on-Cost % has ranged from 0.17 to 1.55 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 4.58, Makati Finance 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 211 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. Makati Finance's current 5-Year Yield-on-Cost % of 0.34 is 92.6% 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 Makati Finance 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. Makati Finance's current 5-Year Yield-on-Cost % is 0.34, which is 32% below median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.65, compared to a current price of ₱2.36 — trading 43% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.34, which is 32% below median its 10-year median of 0.50 and 92.6% below the Credit Services industry median of 4.58. Makati Finance's overall GF Score™ is 51/100 with 9 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 Makati Finance (PHS:MFIN), the current 5-Year Yield-on-Cost % is 0.34 as of Jul. 02, 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.36 is trading 43% above its estimated GF Value™ of ₱1.65.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
5-Year Yield-on-Cost %: 0.34 (32% below median its 10-year median of 0.50)
GF Value™: ₱1.65 vs. price of ₱2.36 (43% above fair value)
Industry Position: 92.6% below the Credit Services median (#197 of 211)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
51GF 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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