Manx Financial GroupFRA:3IM +1.37%47 Dividend Payout Ratio is 0.38 as of Dec. 2025, which is 245% above its 10-year median of 0.11. GuruFocus rates FRA:3IM with a GF Score™ of 47/100 and a GF Value™ of €0.26 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,171 Banks companies, Manx Financial Group ranks better than 84.63% 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. Manx Financial Group's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.38.
The historical rank and industry rank for Manx Financial Group's Dividend Payout Ratio or its related term are showing as below:
FRA:3IM'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.11 Max: 0.16
Current: 0.16
During the past 13 years, the highest Dividend Payout Ratio of Manx Financial Group was 0.16. The lowest was 0.07. And the median was 0.11.
FRA:3IM's Dividend Payout Ratio is ranked better than 84.63% of 1171
companies
in the Banks industry
Industry Median: 0.32
vs FRA:3IM: 0.16
During the past 13 years, the highest Trailing Annual Dividend Yield of Manx Financial Group was 3.77%. The lowest was 0.74%. And the median was 2.16%.
During the past 12 months, Manx Financial Group's average Dividends Per Share Growth Rate was 40.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 51.80% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Manx Financial Group was 51.80% per year. The lowest was 35.70% per year. And the median was 43.75% 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.
Manx Financial Group (FRA:3IM) 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.
Manx Financial Group Dividend Payout Ratio Related Terms
Manx Financial Group Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Manx Financial Group'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.
FRA:3IM vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Manx Financial Group'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.
Manx Financial Group Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's Dividend Payout Ratio falls into.
Manx Financial Group 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.
Manx Financial Group'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.
Manx Financial Group (FRA:3IM) has a Dividend Payout Ratio of 0.38 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Manx Financial Group and its competitors. This is 245% above median its historical median of 0.11. Over the past decade, Manx Financial Group's Dividend Payout Ratio has ranged from 0.07 to 0.16. According to the industry distribution chart, Manx Financial Group ranks #180 out of 1171 companies in the Banks industry, placing it in the top 15.4%.
Is Manx Financial Group's Dividend Payout Ratio too high?
Manx Financial Group's current Dividend Payout Ratio of 0.38 is 245% above median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.16. The Banks industry median Dividend Payout Ratio is 0.32. Manx Financial Group's value of 0.38 is 18.8% above this industry median. Based on the distribution chart, Manx Financial Group ranks #180 out of 1171 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #180 out of 1171 companies for Dividend Payout Ratio. This places Manx Financial Group in the top 15% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Manx Financial Group's value of 0.38 is 18.8% above this benchmark. Historically, Manx Financial Group's own Dividend Payout Ratio has ranged from 0.07 to 0.16 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.32, Manx Financial Group 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 1,171 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. Manx Financial Group's current Dividend Payout Ratio of 0.38 is 18.8% 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 Manx Financial Group 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. Manx Financial Group's current Dividend Payout Ratio is 0.38, which is 245% above median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.26, compared to a current price of €0.30 — trading 13.8% above its estimated fair value. The current Dividend Payout Ratio is 0.38, which is 245% above median its 10-year median of 0.11 and 18.8% above the Banks industry median of 0.32. Manx Financial Group's overall GF Score™ is 47/100 with 4 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 Manx Financial Group (FRA:3IM), the current Dividend Payout Ratio is 0.38 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 13.8% above its estimated GF Value™ of €0.26.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
Dividend Payout Ratio: 0.38 (245% above median its 10-year median of 0.11)
GF Value™: €0.26 vs. price of €0.30 (13.8% above fair value)
Industry Position: 18.8% above the Banks median (#180 of 1171)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
47GF Score
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