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.
Banco PineBSP:PINE4 -2.41%74 Dividend Payout Ratio is 0.21 as of Mar. 2026, which is 31% above its 10-year median of 0.16. GuruFocus rates BSP:PINE4 with a GF Score™ of 74/100 and a GF Value™ of R$13.32 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,175 Banks companies, Banco Pine ranks better than 80.6% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Banco Pine's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.21.
The historical rank and industry rank for Banco Pine's Dividend Payout Ratio or its related term are showing as below:
BSP:PINE4'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.16 Max: 0.58
Current: 0.19
During the past 13 years, the highest Dividend Payout Ratio of Banco Pine was 0.58. The lowest was 0.09. And the median was 0.16.
BSP:PINE4's Dividend Payout Ratio is ranked better than 80.6% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs BSP:PINE4: 0.19
During the past 12 months, Banco Pine's average Dividends Per Share Growth Rate was -13.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Banco Pine was 43.00% per year. The lowest was -22.30% per year. And the median was 25.60% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Banco Pine (BSP:PINE4) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Banco Pine Dividend Payout Ratio Related Terms
Banco Pine Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Banco Pine's Dividend Payout Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BSP:PINE4 vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Banco Pine's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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.
Banco Pine Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Banco Pine's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Banco Pine's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banco Pine (BSP:PINE4) has a Dividend Payout Ratio of 0.21 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Banco Pine and its competitors. This is 31% above median its historical median of 0.16. Over the past decade, Banco Pine's Dividend Payout Ratio has ranged from 0.09 to 0.58. According to the industry distribution chart, Banco Pine ranks #228 out of 1175 companies in the Banks industry, placing it in the top 19.4%.
Is Banco Pine's Dividend Payout Ratio too high?
Banco Pine's current Dividend Payout Ratio of 0.21 is 31% above median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.58. The Banks industry median Dividend Payout Ratio is 0.32. Banco Pine's value of 0.21 is 34.4% below this industry median. Based on the distribution chart, Banco Pine ranks #228 out of 1175 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Pine has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #228 out of 1175 companies for Dividend Payout Ratio. This places Banco Pine in the top 19% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Banco Pine's value of 0.21 is 34.4% below this benchmark. Historically, Banco Pine's own Dividend Payout Ratio has ranged from 0.09 to 0.58 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.32, Banco Pine 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current Dividend Payout Ratio of 0.21 is 34.4% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Banco Pine and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current Dividend Payout Ratio is 0.21, which is 31% above median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE4) is currently considered Fairly Valued. The stock's GF Value™ is R$13.32, compared to a current price of R$12.17 — trading 8.6% below its estimated fair value. The current Dividend Payout Ratio is 0.21, which is 31% above median its 10-year median of 0.16 and 34.4% below the Banks industry median of 0.32. Banco Pine's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Banco Pine (BSP:PINE4), the current Dividend Payout Ratio is 0.21 as of Mar. 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 Banco Pine (BSP:PINE4) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$12.17 is trading 8.6% below its estimated GF Value™ of R$13.32.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE4:
Dividend Payout Ratio: 0.21 (31% above median its 10-year median of 0.16)
GF Value™: R$13.32 vs. price of R$12.17 (8.6% below fair value)
Industry Position: 34.4% below the Banks median (#228 of 1175)
No single metric tells the full story. See the BSP:PINE4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
74GF Score
Get the complete analysis for BSP:PINE4
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:PINE4 has been successfully added to your 
