IBTN (InsCorp) Dividend Payout Ratio: 0.20 (As of Mar. 2026) — 67% Above Median

InsCorp IBTN -6.00% 66 Dividend Payout Ratio is 0.20 as of Mar. 2026, which is 67% above its 10-year median of 0.12. GuruFocus rates IBTN with a GF Score™ of 66/100 and a GF Value™ of $27.91 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,168 Banks companies, InsCorp ranks better than 57.53% 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. InsCorp's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.20.

The historical rank and industry rank for InsCorp's Dividend Payout Ratio or its related term are showing as below:

IBTN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.12 Max: 0.3
Current: 0.29

During the past 13 years, the highest Dividend Payout Ratio of InsCorp was 0.30. The lowest was 0.07. And the median was 0.12.

IBTN's Dividend Payout Ratio is ranked better than
57.53% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs IBTN: 0.29

As of today (2026-06-27), the Dividend Yield % of InsCorp is 1.63%.

During the past 13 years, the highest Trailing Annual Dividend Yield of InsCorp was 2.01%. The lowest was 0.46%. And the median was 1.31%.

InsCorp's Dividends per Share for the months ended in Mar. 2026 was $0.12.

During the past 12 months, InsCorp's average Dividends Per Share Growth Rate was 9.80% per year. During the past 3 years, the 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 InsCorp was 33.90% per year. The lowest was 13.60% per year. And the median was 16.55% 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.

InsCorp (OTCPK:IBTN) 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.

InsCorp Dividend Payout Ratio Related Terms

InsCorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for InsCorp'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.

InsCorp Dividend Payout Ratio Chart

InsCorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.12

0.09

0.12

0.16

0.30

InsCorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.20	0.15	0.14	0.00	0.20

IBTN vs CZBT, ORPB, FSMK: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, InsCorp'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.

InsCorp Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, InsCorp's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where InsCorp's Dividend Payout Ratio falls into.

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66GF Score

InsCorp Inc IBTN

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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InsCorp Dividend Payout Ratio Calculation

InsCorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.44	/	1.47
	=	0.30

InsCorp's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.12	/	0.604
	=	0.20

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.20 mean?

InsCorp (IBTN) has a Dividend Payout Ratio of 0.20 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on InsCorp and its competitors. This is 67% above median its historical median of 0.12. Over the past decade, InsCorp's Dividend Payout Ratio has ranged from 0.07 to 0.30. According to the industry distribution chart, InsCorp ranks #496 out of 1168 companies in the Banks industry, placing it in the top 42.5%.

Is InsCorp's Dividend Payout Ratio too high?

InsCorp's current Dividend Payout Ratio of 0.20 is 67% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.30. The Banks industry median Dividend Payout Ratio is 0.32. InsCorp's value of 0.20 is 37.5% below this industry median. Based on the distribution chart, InsCorp ranks #496 out of 1168 companies in the Banks industry, which is above the industry midpoint. Overall, InsCorp has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does InsCorp's Dividend Payout Ratio compare to CZBT and ORPB?

According to the Banks industry distribution chart, InsCorp ranks #496 out of 1168 companies for Dividend Payout Ratio. This puts InsCorp in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. InsCorp's value of 0.20 is 37.5% below this benchmark. Historically, InsCorp's own Dividend Payout Ratio has ranged from 0.07 to 0.30 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.32, InsCorp 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 1,168 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. InsCorp's current Dividend Payout Ratio of 0.20 is 37.5% 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 InsCorp 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. InsCorp's current Dividend Payout Ratio is 0.20, which is 67% above median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is InsCorp stock overvalued right now?

Based on GuruFocus' analysis, InsCorp (IBTN) is currently considered Fairly Valued. The stock's GF Value™ is $27.91, compared to a current price of $28.20 — trading 1% above its estimated fair value. The current Dividend Payout Ratio is 0.20, which is 67% above median its 10-year median of 0.12 and 37.5% below the Banks industry median of 0.32. InsCorp's overall GF Score™ is 66/100 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 InsCorp (IBTN), the current Dividend Payout Ratio is 0.20 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 InsCorp (IBTN) Overvalued in 2026?

Based on GuruFocus' analysis, InsCorp stock appears to be overvalued. The current stock price of $28.20 is trading 1% above its estimated GF Value™ of $27.91. GuruFocus considers InsCorp to be Fairly Valued.

Key valuation signals for IBTN:

Dividend Payout Ratio: 0.20 (67% above median its 10-year median of 0.12)
GF Value™: $27.91 vs. price of $28.20 (1% above fair value)
GF Score™: 66/100 with 5 warning signs
Industry Position: 37.5% below the Banks median (#496 of 1168)

No single metric tells the full story. See the IBTN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

InsCorp Business Description

Industry Financial Services Banks

Comparable Companies CZBT ORPB FSMK CZBC KLIB UWHR KSBI HMLN FDSB FBSI SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 2106 Crestmoor Road, Nashville, TN, USA, 37215

Website https://www.insbank.com

InsCorp Inc along with its subsidiary, is engaged in the origination and sale of mortgage loans on the secondary market. The company is a full-service financial institution that provides business and personal banking as well as mortgage lending. Its primary deposit products are demand and money market deposits and certificates of deposit, and its primary lending products are commercial loans, real estate loans, and lines of credit.

66GF Score

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$28.20

Price

$27.91

GF Value

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