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Housing & Development BankCAI:HDBK -1.21%54 Dividend Payout Ratio is 0.81 as of Mar. 2026, which is 376% above its 10-year median of 0.17. GuruFocus rates CAI:HDBK with a GF Score™ of 54/100 and a GF Value™ of E£43.62 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,175 Banks companies, Housing & Development Bank ranks worse than 58.3% 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. Housing & Development Bank's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.81.
The historical rank and industry rank for Housing & Development Bank's Dividend Payout Ratio or its related term are showing as below:
CAI:HDBK'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.17 Max: 0.37
Current: 0.37
During the past 13 years, the highest Dividend Payout Ratio of Housing & Development Bank was 0.37. The lowest was 0.09. And the median was 0.17.
CAI:HDBK's Dividend Payout Ratio is ranked worse than 58.3% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs CAI:HDBK: 0.37
During the past 13 years, the highest Trailing Annual Dividend Yield of Housing & Development Bank was 17.26%. The lowest was 1.72%. And the median was 5.58%.
During the past 12 months, Housing & Development Bank's average Dividends Per Share Growth Rate was 333.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 91.30% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Housing & Development Bank was 91.30% per year. The lowest was -15.80% per year. And the median was 7.80% 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.
Housing & Development Bank (CAI:HDBK) 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.
Housing & Development Bank Dividend Payout Ratio Related Terms
Housing & Development Bank Dividend Payout Ratio Historical Data
* 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.
Housing & Development Bank Dividend Payout Ratio Chart
Housing & Development Bank Dividend Payout Ratio Competitor Comparison
For the Banks - Regional subindustry, Housing & Development Bank'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.
Housing & Development Bank Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Housing & Development Bank's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Housing & Development Bank's Dividend Payout Ratio falls into.
Housing & Development Bank Dividend Payout Ratio Calculation
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.
Housing & Development Bank'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.
Housing & Development Bank (CAI:HDBK) has a Dividend Payout Ratio of 0.81 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Housing & Development Bank and its competitors. This is 376% above median its historical median of 0.17. Over the past decade, Housing & Development Bank's Dividend Payout Ratio has ranged from 0.09 to 0.37. According to the industry distribution chart, Housing & Development Bank ranks #685 out of 1175 companies in the Banks industry, placing it in the top 58.3%.
Is Housing & Development Bank's Dividend Payout Ratio too high?
Housing & Development Bank's current Dividend Payout Ratio of 0.81 is 376% above median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.37. The Banks industry median Dividend Payout Ratio is 0.32. Housing & Development Bank's value of 0.81 is 153.1% above this industry median. Based on the distribution chart, Housing & Development Bank ranks #685 out of 1175 companies in the Banks industry, which is below the industry midpoint. Overall, Housing & Development Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Development Bank's Dividend Payout Ratio compare to competitors?
According to the Banks industry distribution chart, Housing & Development Bank ranks #685 out of 1175 companies for Dividend Payout Ratio. This places Housing & Development Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Housing & Development Bank's value of 0.81 is 153.1% above this benchmark. Historically, Housing & Development Bank's own Dividend Payout Ratio has ranged from 0.09 to 0.37 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.32, Housing & Development Bank has consistently been above 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. Housing & Development Bank's current Dividend Payout Ratio of 0.81 is 153.1% above 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 Housing & Development Bank 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. Housing & Development Bank's current Dividend Payout Ratio is 0.81, which is 376% above median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Housing & Development Bank (CAI:HDBK) is currently considered Significantly Overvalued. The stock's GF Value™ is E£43.62, compared to a current price of E£77.82 — trading 78.4% above its estimated fair value. The current Dividend Payout Ratio is 0.81, which is 376% above median its 10-year median of 0.17 and 153.1% above the Banks industry median of 0.32. Housing & Development Bank's overall GF Score™ is 54/100 with 5 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 Housing & Development Bank (CAI:HDBK), the current Dividend Payout Ratio is 0.81 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 Housing & Development Bank (CAI:HDBK) Overvalued in 2026?
Based on GuruFocus' analysis, Housing & Development Bank stock appears to be overvalued.
The current stock price of E£77.82 is trading 78.4% above its estimated GF Value™ of E£43.62.
GuruFocus considers Housing & Development Bank to be Significantly Overvalued.
Key valuation signals for CAI:HDBK:
Dividend Payout Ratio: 0.81 (376% above median its 10-year median of 0.17)
GF Value™: E£43.62 vs. price of E£77.82 (78.4% above fair value)
Industry Position: 153.1% above the Banks median (#685 of 1175)
No single metric tells the full story. See the CAI:HDBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Housing & Development Bank operates as a bank in the Arab Republic of Egypt. The company provides loans and other services to financial institutions, agricultural institutions, industrial institutions, commercial services, real estate activity, and the government sector. It operates its business in four segments, which are Corporate, medium and small sized enterprise, Investments, Retail, and Other activities. Maximum revenue is generated from the Corporate, medium and small sized enterprise segment, which mainly includes the bank's current accounts (debit/credit), deposits, loans and facilities, financial derivatives, and other financial products and service offerings.
54GF Score
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