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Scotia Group JamaicaXJAM:SGJ -3.37%81 5-Year Yield-on-Cost % is 3.32 as of Sep. 09, 2026, which is 18% below its 10-year median of 4.03. GuruFocus rates XJAM:SGJ with a GF Score™ of 81/100 and a GF Value™ of JMD59.09 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,245 Banks companies, Scotia Group Jamaica ranks worse than 58.55% on this metric.
Scotia Group Jamaica's yield on cost for the quarter that ended in Apr. 2026 was 3.32.
The historical rank and industry rank for Scotia Group Jamaica's 5-Year Yield-on-Cost % or its related term are showing as below:
XJAM:SGJ'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.33 Med: 4.03 Max: 5.84
Current: 3.32
During the past 13 years, Scotia Group Jamaica's highest Yield on Cost was 5.84. The lowest was 2.33. And the median was 4.03.
XJAM:SGJ's 5-Year Yield-on-Cost % is ranked worse than 58.55% of 1245
companies
in the Banks industry
Industry Median: 3.78
vs XJAM:SGJ: 3.32
Scotia Group Jamaica (XJAM:SGJ) 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.
Scotia Group Jamaica 5-Year Yield-on-Cost % Related Terms
XJAM:SGJ vs USB, PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Scotia Group Jamaica'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.
Scotia Group Jamaica 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Scotia Group Jamaica's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Scotia Group Jamaica's 5-Year Yield-on-Cost % falls into.
Scotia Group Jamaica 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.
Scotia Group Jamaica (XJAM:SGJ) has a 5-Year Yield-on-Cost % of 3.32 as of Sep. 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 Scotia Group Jamaica and its competitors. This is 18% below median its historical median of 4.03. Over the past decade, Scotia Group Jamaica's 5-Year Yield-on-Cost % has ranged from 2.33 to 5.84. According to the industry distribution chart, Scotia Group Jamaica ranks #729 out of 1245 companies in the Banks industry, placing it in the top 58.6%.
Is Scotia Group Jamaica's 5-Year Yield-on-Cost % too high?
Scotia Group Jamaica's current 5-Year Yield-on-Cost % of 3.32 is 18% below median its 10-year median of 4.03. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 5.84. The Banks industry median 5-Year Yield-on-Cost % is 3.78. Scotia Group Jamaica's value of 3.32 is 12.2% below this industry median. Based on the distribution chart, Scotia Group Jamaica ranks #729 out of 1245 companies in the Banks industry, which is below the industry midpoint. Overall, Scotia Group Jamaica has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Scotia Group Jamaica's 5-Year Yield-on-Cost % compare to USB and PNC?
According to the Banks industry distribution chart, Scotia Group Jamaica ranks #729 out of 1245 companies for 5-Year Yield-on-Cost %. This places Scotia Group Jamaica in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.78. Scotia Group Jamaica's value of 3.32 is 12.2% below this benchmark. Historically, Scotia Group Jamaica's own 5-Year Yield-on-Cost % has ranged from 2.33 to 5.84 over the past decade. While the company's 10-year median is 4.03 vs. the industry median of 3.78, Scotia Group Jamaica 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 3.78, based on 1,245 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. Scotia Group Jamaica's current 5-Year Yield-on-Cost % of 3.32 is 12.2% 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 Scotia Group Jamaica and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scotia Group Jamaica's current 5-Year Yield-on-Cost % is 3.32, which is 18% below median its own 10-year median of 4.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotia Group Jamaica stock overvalued right now?
Based on GuruFocus' analysis, Scotia Group Jamaica (XJAM:SGJ) is currently considered Fairly Valued. The stock's GF Value™ is JMD59.09, compared to a current price of JMD57.01 — trading 3.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.32, which is 18% below median its 10-year median of 4.03 and 12.2% below the Banks industry median of 3.78. Scotia Group Jamaica's overall GF Score™ is 81/100 with 4 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 Scotia Group Jamaica (XJAM:SGJ), the current 5-Year Yield-on-Cost % is 3.32 as of Sep. 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 Scotia Group Jamaica (XJAM:SGJ) Overvalued in 2026?
Based on GuruFocus' analysis, Scotia Group Jamaica stock appears to be undervalued.
The current stock price of JMD57.01 is trading 3.5% below its estimated GF Value™ of JMD59.09.
GuruFocus considers Scotia Group Jamaica to be Fairly Valued.
Key valuation signals for XJAM:SGJ:
5-Year Yield-on-Cost %: 3.32 (18% below median its 10-year median of 4.03)
GF Value™: JMD59.09 vs. price of JMD57.01 (3.5% below fair value)
Industry Position: 12.2% below the Banks median (#729 of 1245)
No single metric tells the full story. See the XJAM:SGJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scotia Group Jamaica Ltd is a Jamaican financial holding company. It provides a range of financial services through its subsidiaries to personal, commercial, corporate, and government clients across Jamaica. The company has six business segments: Retail, Corporate and Commercial, Treasury, Investment Management Services, Insurance Services, and Others. It generates maximum revenue from the Retail banking segment. The retail banking segment includes personal banking services, personal deposit accounts, credit and debit cards, consumer loans, mortgages, and microfinance.
81GF Score
Get the complete analysis for XJAM:SGJ
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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