Renta 4 BancoXMAD:R4 +1.07%76 5-Year Yield-on-Cost % is 3.69 as of Jul. 13, 2026, which is 9% above its 10-year median of 3.40. GuruFocus rates XMAD:R4 with a GF Score™ of 76/100 and a GF Value™ of €17.11 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,114 Asset Management companies, Renta 4 Banco ranks worse than 73.16% on this metric.
Renta 4 Banco's yield on cost for the quarter that ended in Mar. 2026 was 3.69.
The historical rank and industry rank for Renta 4 Banco's 5-Year Yield-on-Cost % or its related term are showing as below:
XMAD:R4'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.23 Med: 3.4 Max: 4.96
Current: 3.69
During the past 13 years, Renta 4 Banco's highest Yield on Cost was 4.96. The lowest was 0.23. And the median was 3.40.
XMAD:R4's 5-Year Yield-on-Cost % is ranked worse than 73.16% of 1114
companies
in the Asset Management industry
Industry Median: 6.445
vs XMAD:R4: 3.69
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.
Renta 4 Banco 5-Year Yield-on-Cost % Related Terms
XMAD:R4 vs BLK, BX, KKR: 5-Year Yield-on-Cost % Comparison
For the Asset Management subindustry, Renta 4 Banco'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.
Renta 4 Banco 5-Year Yield-on-Cost % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Renta 4 Banco's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Renta 4 Banco'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 Renta 4 Banco is calculated as
Renta 4 Banco (XMAD:R4) has a 5-Year Yield-on-Cost % of 3.69 as of Jul. 13, 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 Renta 4 Banco and its competitors. This is near median its historical median of 3.40. Over the past decade, Renta 4 Banco's 5-Year Yield-on-Cost % has ranged from 0.23 to 4.96. According to the industry distribution chart, Renta 4 Banco ranks #815 out of 1114 companies in the Asset Management industry, placing it in the top 73.2%.
Is Renta 4 Banco's 5-Year Yield-on-Cost % too high?
Renta 4 Banco's current 5-Year Yield-on-Cost % of 3.69 is near median its 10-year median of 3.40. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 4.96. The Asset Management industry median 5-Year Yield-on-Cost % is 6.45. Renta 4 Banco's value of 3.69 is 42.7% below this industry median. Based on the distribution chart, Renta 4 Banco ranks #815 out of 1114 companies in the Asset Management industry, which is below the industry midpoint. Overall, Renta 4 Banco has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Renta 4 Banco's 5-Year Yield-on-Cost % compare to BLK and BX?
According to the Asset Management industry distribution chart, Renta 4 Banco ranks #815 out of 1114 companies for 5-Year Yield-on-Cost %. This places Renta 4 Banco in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 6.45. Renta 4 Banco's value of 3.69 is 42.7% below this benchmark. Historically, Renta 4 Banco's own 5-Year Yield-on-Cost % has ranged from 0.23 to 4.96 over the past decade. While the company's 10-year median is 3.40 vs. the industry median of 6.45, Renta 4 Banco 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 an Asset Management company?
The median 5-Year Yield-on-Cost % among Asset Management companies is 6.45, based on 1,114 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. Renta 4 Banco's current 5-Year Yield-on-Cost % of 3.69 is 42.7% 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 Renta 4 Banco and its competitors. For the Asset Management industry, the median 5-Year Yield-on-Cost % is 6.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Renta 4 Banco's current 5-Year Yield-on-Cost % is 3.69, which is near median its own 10-year median of 3.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Renta 4 Banco stock overvalued right now?
Based on GuruFocus' analysis, Renta 4 Banco (XMAD:R4) is currently considered Modestly Overvalued. The stock's GF Value™ is €17.11, compared to a current price of €18.95 — trading 10.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.69, which is near median its 10-year median of 3.40 and 42.7% below the Asset Management industry median of 6.45. Renta 4 Banco's overall GF Score™ is 76/100 with 2 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 Renta 4 Banco (XMAD:R4), the current 5-Year Yield-on-Cost % is 3.69 as of Jul. 13, 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 Renta 4 Banco (XMAD:R4) Overvalued in 2026?
Based on GuruFocus' analysis, Renta 4 Banco stock appears to be overvalued.
The current stock price of €18.95 is trading 10.8% above its estimated GF Value™ of €17.11.
GuruFocus considers Renta 4 Banco to be Modestly Overvalued.
Key valuation signals for XMAD:R4:
5-Year Yield-on-Cost %: 3.69 (near median its 10-year median of 3.40)
GF Value™: €17.11 vs. price of €18.95 (10.8% above fair value)
Industry Position: 42.7% below the Asset Management median (#815 of 1114)
No single metric tells the full story. See the XMAD:R4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Renta 4 Banco SA is an asset management company providing wealth management, brokerage services, and corporate advisory services. It operates through a network of branches, agents, and subsidiaries spread widely across Spain and offers services to individuals and financial intermediaries, and small and medium-sized enterprises. Its activities include the provision of investment services, and the acquisition, holding, exploitation, administration, and disposal of all manner of transferable securities. It has three businesses as a reportable segment Intermediation, Portfolio, and asset management and advice, and Corporate Services.
76GF Score
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