Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Affin Bank BhdXKLS:5185 66 5-Year Yield-on-Cost % is 3.84 as of Jul. 26, 2026, which is 31% above its 10-year median of 2.94. GuruFocus rates XKLS:5185 with a GF Score™ of 66/100 and a GF Value™ of RM2.88 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,252 Banks companies, Affin Bank Bhd ranks worse than 50.64% on this metric.
Affin Bank Bhd's yield on cost for the quarter that ended in Mar. 2026 was 3.84.
The historical rank and industry rank for Affin Bank Bhd's 5-Year Yield-on-Cost % or its related term are showing as below:
XKLS:5185'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.98 Med: 2.94 Max: 9.39
Current: 3.84
During the past 13 years, Affin Bank Bhd's highest Yield on Cost was 9.39. The lowest was 0.98. And the median was 2.94.
XKLS:5185's 5-Year Yield-on-Cost % is ranked worse than 50.64% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs XKLS:5185: 3.84
Affin Bank Bhd (XKLS:5185) 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.
Affin Bank Bhd 5-Year Yield-on-Cost % Related Terms
XKLS:5185 vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Affin Bank Bhd'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.
Affin Bank Bhd 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Affin Bank Bhd's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Affin Bank Bhd'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 Affin Bank Bhd is calculated as
Affin Bank Bhd (XKLS:5185) has a 5-Year Yield-on-Cost % of 3.84 as of Jul. 26, 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 Affin Bank Bhd and its competitors. This is 31% above median its historical median of 2.94. Over the past decade, Affin Bank Bhd's 5-Year Yield-on-Cost % has ranged from 0.98 to 9.39. According to the industry distribution chart, Affin Bank Bhd ranks #634 out of 1252 companies in the Banks industry, placing it in the top 50.6%.
Is Affin Bank Bhd's 5-Year Yield-on-Cost % too high?
Affin Bank Bhd's current 5-Year Yield-on-Cost % of 3.84 is 31% above median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 9.39. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Affin Bank Bhd's value of 3.84 is 0.9% below this industry median. Based on the distribution chart, Affin Bank Bhd ranks #634 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, Affin Bank Bhd has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Affin Bank Bhd ranks #634 out of 1252 companies for 5-Year Yield-on-Cost %. This places Affin Bank Bhd in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Affin Bank Bhd's value of 3.84 is 0.9% below this benchmark. Historically, Affin Bank Bhd's own 5-Year Yield-on-Cost % has ranged from 0.98 to 9.39 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 3.88, Affin Bank Bhd 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 3.88, based on 1,252 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. Affin Bank Bhd's current 5-Year Yield-on-Cost % of 3.84 is 0.9% 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 Affin Bank Bhd and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affin Bank Bhd's current 5-Year Yield-on-Cost % is 3.84, which is 31% above median its own 10-year median of 2.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affin Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Affin Bank Bhd (XKLS:5185) is currently considered Modestly Undervalued. The stock's GF Value™ is RM2.88, compared to a current price of RM2.22 — trading 22.9% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.84, which is 31% above median its 10-year median of 2.94 and 0.9% below the Banks industry median of 3.88. Affin Bank Bhd's overall GF Score™ is 66/100 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 Affin Bank Bhd (XKLS:5185), the current 5-Year Yield-on-Cost % is 3.84 as of Jul. 26, 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 Affin Bank Bhd (XKLS:5185) Overvalued in 2026?
Based on GuruFocus' analysis, Affin Bank Bhd stock appears to be undervalued.
The current stock price of RM2.22 is trading 22.9% below its estimated GF Value™ of RM2.88.
GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5185:
5-Year Yield-on-Cost %: 3.84 (31% above median its 10-year median of 2.94)
GF Value™: RM2.88 vs. price of RM2.22 (22.9% below fair value)
Industry Position: 0.9% below the Banks median (#634 of 1252)
No single metric tells the full story. See the XKLS:5185 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Affin Bank Bhd is a Malaysia-based bank. It operates in four segments: Commercial Banking focuses on the business of banking in all aspects including Islamic Banking operations; Investment Banking focuses on the business of a merchant bank, stock-broking, and other related financial services; Insurance includes the business of underwriting all classes of general and life insurance businesses in Malaysia; and Others include operation of investment holding companies, money-broking, information technology and other related financial services. The company provides Personal banking and Business banking services. The majority of the group's revenue comes from Commercial Banking within Malaysia.
66GF Score
Get the complete analysis for XKLS:5185
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:5185 has been successfully added to your 
