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 Nacional de Credito CACAR:BNC -0.22%88 Dividend Payout Ratio is 0.12 as of Dec. 2025, which is 56% below its 10-year median of 0.27. GuruFocus rates CAR:BNC with a GF Score™ of 88/100 and a GF Value™ of VES231.29 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,175 Banks companies, Banco Nacional de Credito CA ranks better than 92.85% 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 Nacional de Credito CA's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.12.
The historical rank and industry rank for Banco Nacional de Credito CA's Dividend Payout Ratio or its related term are showing as below:
CAR:BNC'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.27 Max: 281757.3
Current: 0.11
During the past 13 years, the highest Dividend Payout Ratio of Banco Nacional de Credito CA was 281757.30. The lowest was 0.01. And the median was 0.27.
CAR:BNC's Dividend Payout Ratio is ranked better than 92.85% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs CAR:BNC: 0.11
During the past 13 years, the highest Trailing Annual Dividend Yield of Banco Nacional de Credito CA was 99999999.99%. The lowest was 0.00%. And the median was 4.23%.
During the past 12 months, Banco Nacional de Credito CA's average Dividends Per Share Growth Rate was 1150.70% 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 Nacional de Credito CA (CAR:BNC) 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 Nacional de Credito CA Dividend Payout Ratio Related Terms
Banco Nacional de Credito CA 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.
Banco Nacional de Credito CA Dividend Payout Ratio Chart
CAR:BNC vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Banco Nacional de Credito CA'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 Nacional de Credito CA Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banco Nacional de Credito CA's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Banco Nacional de Credito CA's Dividend Payout Ratio falls into.
Banco Nacional de Credito CA 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.
Banco Nacional de Credito CA'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 Nacional de Credito CA (CAR:BNC) has a Dividend Payout Ratio of 0.12 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Banco Nacional de Credito CA and its competitors. This is 56% below median its historical median of 0.27. Over the past decade, Banco Nacional de Credito CA's Dividend Payout Ratio has ranged from 0.01 to 281,757.30. According to the industry distribution chart, Banco Nacional de Credito CA ranks #84 out of 1175 companies in the Banks industry, placing it in the top 7.1%.
Is Banco Nacional de Credito CA's Dividend Payout Ratio too high?
Banco Nacional de Credito CA's current Dividend Payout Ratio of 0.12 is 56% below median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 281,757.30. The Banks industry median Dividend Payout Ratio is 0.32. Banco Nacional de Credito CA's value of 0.12 is 62.5% below this industry median. Based on the distribution chart, Banco Nacional de Credito CA ranks #84 out of 1175 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Nacional de Credito CA has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banco Nacional de Credito CA ranks #84 out of 1175 companies for Dividend Payout Ratio. This places Banco Nacional de Credito CA in the top 7% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Banco Nacional de Credito CA's value of 0.12 is 62.5% below this benchmark. Historically, Banco Nacional de Credito CA's own Dividend Payout Ratio has ranged from 0.01 to 281,757.30 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.32, Banco Nacional de Credito CA 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 Nacional de Credito CA's current Dividend Payout Ratio of 0.12 is 62.5% 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 Nacional de Credito CA 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 Nacional de Credito CA's current Dividend Payout Ratio is 0.12, which is 56% below median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES231.29, compared to a current price of VES472.95 — trading 104.5% above its estimated fair value. The current Dividend Payout Ratio is 0.12, which is 56% below median its 10-year median of 0.27 and 62.5% below the Banks industry median of 0.32. Banco Nacional de Credito CA's overall GF Score™ is 88/100 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 Nacional de Credito CA (CAR:BNC), the current Dividend Payout Ratio is 0.12 as of Dec. 2025. 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 Nacional de Credito CA (CAR:BNC) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued.
The current stock price of VES472.95 is trading 104.5% above its estimated GF Value™ of VES231.29.
GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.
Key valuation signals for CAR:BNC:
Dividend Payout Ratio: 0.12 (56% below median its 10-year median of 0.27)
GF Value™: VES231.29 vs. price of VES472.95 (104.5% above fair value)
Industry Position: 62.5% below the Banks median (#84 of 1175)
No single metric tells the full story. See the CAR:BNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFrancisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
88GF Score
Get the complete analysis for CAR:BNC
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
CAR:BNC has been successfully added to your 
