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SBI HoldingsSTU:ZOF -1.23%80 5-Year Yield-on-Cost % is 5.00 as of Jul. 14, 2026, which is 12% below its 10-year median of 5.65. GuruFocus rates STU:ZOF with a GF Score™ of 80/100 and a GF Value™ of €13.63 (Fairly Valued). The stock has 7 warning signs investors should review. Among 48 Diversified Financial Services companies, SBI Holdings ranks better than 60.42% on this metric.
SBI Holdings's yield on cost for the quarter that ended in Mar. 2026 was 5.00.
The historical rank and industry rank for SBI Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
STU:ZOF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.98 Med: 5.65 Max: 10.56
Current: 5
During the past 13 years, SBI Holdings's highest Yield on Cost was 10.56. The lowest was 2.98. And the median was 5.65.
STU:ZOF's 5-Year Yield-on-Cost % is ranked better than 60.42% of 48
companies
in the Diversified Financial Services industry
Industry Median: 4.165
vs STU:ZOF: 5.00
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.
SBI Holdings 5-Year Yield-on-Cost % Related Terms
STU:ZOF vs VOYA, FRHC: 5-Year Yield-on-Cost % Comparison
For the Financial Conglomerates subindustry, SBI 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.
SBI Holdings 5-Year Yield-on-Cost % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where SBI 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.
Therefore, Yield-on-Cost of SBI Holdings is calculated as
SBI Holdings (STU:ZOF) has a 5-Year Yield-on-Cost % of 5.00 as of Jul. 14, 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 SBI Holdings and its competitors. This is 12% below median its historical median of 5.65. Over the past decade, SBI Holdings' 5-Year Yield-on-Cost % has ranged from 2.98 to 10.56. According to the industry distribution chart, SBI Holdings ranks #19 out of 48 companies in the Diversified Financial Services industry, placing it in the top 39.6%.
Is SBI Holdings' 5-Year Yield-on-Cost % too high?
SBI Holdings' current 5-Year Yield-on-Cost % of 5.00 is 12% below median its 10-year median of 5.65. Over the past 10 years, this metric has ranged from a low of 2.98 to a high of 10.56. The Diversified Financial Services industry median 5-Year Yield-on-Cost % is 4.17. SBI Holdings' value of 5.00 is 20% above this industry median. Based on the distribution chart, SBI Holdings ranks #19 out of 48 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, SBI Holdings has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' 5-Year Yield-on-Cost % compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #19 out of 48 companies for 5-Year Yield-on-Cost %. This puts SBI Holdings in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.17. SBI Holdings' value of 5.00 is 20% above this benchmark. Historically, SBI Holdings' own 5-Year Yield-on-Cost % has ranged from 2.98 to 10.56 over the past decade. While the company's 10-year median is 5.65 vs. the industry median of 4.17, SBI 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 Diversified Financial Services company?
The median 5-Year Yield-on-Cost % among Diversified Financial Services companies is 4.17, based on 48 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. SBI Holdings's current 5-Year Yield-on-Cost % of 5.00 is 20% 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 SBI Holdings and its competitors. For the Diversified Financial Services industry, the median 5-Year Yield-on-Cost % is 4.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current 5-Year Yield-on-Cost % is 5.00, which is 12% below median its own 10-year median of 5.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Holdings stock overvalued right now?
Based on GuruFocus' analysis, SBI Holdings (STU:ZOF) is currently considered Fairly Valued. The stock's GF Value™ is €13.63, compared to a current price of €14.91 — trading 9.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.00, which is 12% below median its 10-year median of 5.65 and 20% above the Diversified Financial Services industry median of 4.17. SBI Holdings' overall GF Score™ is 80/100 with 7 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 SBI Holdings (STU:ZOF), the current 5-Year Yield-on-Cost % is 5.00 as of Jul. 14, 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 SBI Holdings (STU:ZOF) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued.
The current stock price of €14.91 is trading 9.4% above its estimated GF Value™ of €13.63.
GuruFocus considers SBI Holdings to be Fairly Valued.
Key valuation signals for STU:ZOF:
5-Year Yield-on-Cost %: 5.00 (12% below median its 10-year median of 5.65)
GF Value™: €13.63 vs. price of €14.91 (9.4% above fair value)
Industry Position: 20% above the Diversified Financial Services median (#19 of 48)
No single metric tells the full story. See the STU:ZOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Holdings Inc is a financial conglomerate that offers a variety of services in securities, banking, and insurance. The company operates through five segments. The Asset Management segment provides investment management, advice, and financial product information. The Crypto Asset segment offers crypto exchange and trading services. The Financial Services segment covers securities, banking, and insurance activities in Japan and abroad. The Investment segment invests in IT, fintech, blockchain, finance, and biotech ventures. The Next Generation Business develops and sells pharmaceuticals, health foods, and cosmetics, conducts R&D in cancer and immunology, offers digital medical solutions, and engages in medical finance. It generates majority of its revenue from Financial services segment.
80GF 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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