Access Bank GhanaXGHA:ACCESS 48 5-Year Yield-on-Cost % is 1.14 as of Jul. 09, 2026, which is 94% below its 10-year median of 19.78. GuruFocus rates XGHA:ACCESS with a GF Score™ of 48/100 and a GF Value™ of GHS13.78 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,254 Banks companies, Access Bank Ghana ranks worse than 91.39% on this metric.
Access Bank Ghana's yield on cost for the quarter that ended in Mar. 2026 was 1.14.
The historical rank and industry rank for Access Bank Ghana's 5-Year Yield-on-Cost % or its related term are showing as below:
XGHA:ACCESS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.78 Med: 19.78 Max: 31.59
Current: 1.14
During the past 11 years, Access Bank Ghana's highest Yield on Cost was 31.59. The lowest was 0.78. And the median was 19.78.
XGHA:ACCESS's 5-Year Yield-on-Cost % is ranked worse than 91.39% of 1254
companies
in the Banks industry
Industry Median: 3.94
vs XGHA:ACCESS: 1.14
Access Bank Ghana (XGHA:ACCESS) 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.
Access Bank Ghana 5-Year Yield-on-Cost % Related Terms
XGHA:ACCESS vs PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Access Bank Ghana'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.
Access Bank Ghana 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Access Bank Ghana's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Access Bank Ghana's 5-Year Yield-on-Cost % falls into.
Access Bank Ghana 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.
Access Bank Ghana (XGHA:ACCESS) has a 5-Year Yield-on-Cost % of 1.14 as of Jul. 09, 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 Access Bank Ghana and its competitors. This is 94% below median its historical median of 19.78. Over the past decade, Access Bank Ghana's 5-Year Yield-on-Cost % has ranged from 0.78 to 31.59. According to the industry distribution chart, Access Bank Ghana ranks #1146 out of 1254 companies in the Banks industry, placing it in the top 91.4%.
Is Access Bank Ghana's 5-Year Yield-on-Cost % too high?
Access Bank Ghana's current 5-Year Yield-on-Cost % of 1.14 is 94% below median its 10-year median of 19.78. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 31.59. The Banks industry median 5-Year Yield-on-Cost % is 3.94. Access Bank Ghana's value of 1.14 is 71.1% below this industry median. Based on the distribution chart, Access Bank Ghana ranks #1146 out of 1254 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Access Bank Ghana has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's 5-Year Yield-on-Cost % compare to PNC?
According to the Banks industry distribution chart, Access Bank Ghana ranks #1146 out of 1254 companies for 5-Year Yield-on-Cost %. This places Access Bank Ghana in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. Access Bank Ghana's value of 1.14 is 71.1% below this benchmark. Historically, Access Bank Ghana's own 5-Year Yield-on-Cost % has ranged from 0.78 to 31.59 over the past decade. While the company's 10-year median is 19.78 vs. the industry median of 3.94, Access Bank Ghana 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 Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 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. Access Bank Ghana's current 5-Year Yield-on-Cost % of 1.14 is 71.1% 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 Access Bank Ghana and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Access Bank Ghana's current 5-Year Yield-on-Cost % is 1.14, which is 94% below median its own 10-year median of 19.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.14, which is 94% below median its 10-year median of 19.78 and 71.1% below the Banks industry median of 3.94. Access Bank Ghana's overall GF Score™ is 48/100 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 Access Bank Ghana (XGHA:ACCESS), the current 5-Year Yield-on-Cost % is 1.14 as of Jul. 09, 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 Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?
Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued.
The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78.
GuruFocus considers Access Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:ACCESS:
5-Year Yield-on-Cost %: 1.14 (94% below median its 10-year median of 19.78)
GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
Industry Position: 71.1% below the Banks median (#1146 of 1254)
No single metric tells the full story. See the XGHA:ACCESS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
48GF Score
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