BankIslami PakistanKAR:BIPL +2.15%64 Dividend Payout Ratio is 1.56 as of Mar. 2026, which is 438% above its 10-year median of 0.29. GuruFocus rates KAR:BIPL with a GF Score™ of 64/100 and a GF Value™ of ₨24.50 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,169 Banks companies, BankIslami Pakistan ranks worse than 92.13% 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. BankIslami Pakistan's Dividend Payout Ratio for the
months ended in Mar. 2026 was 1.56.
Warning Sign:
If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of BankIslami Pakistan Ltd is 0.74, which seems too high.
The historical rank and industry rank for BankIslami Pakistan's Dividend Payout Ratio or its related term are showing as below:
KAR:BIPL'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24 Med: 0.29 Max: 0.74
Current: 0.74
During the past 13 years, the highest Dividend Payout Ratio of BankIslami Pakistan was 0.74. The lowest was 0.24. And the median was 0.29.
KAR:BIPL's Dividend Payout Ratio is ranked worse than 92.13% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs KAR:BIPL: 0.74
During the past 13 years, the highest Trailing Annual Dividend Yield of BankIslami Pakistan was 20.72%. The lowest was 4.37%. And the median was 10.39%.
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.
BankIslami Pakistan (KAR:BIPL) 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.
BankIslami Pakistan Dividend Payout Ratio Related Terms
BankIslami Pakistan Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for BankIslami Pakistan'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.
KAR:BIPL vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, BankIslami Pakistan'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.
BankIslami Pakistan Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BankIslami Pakistan's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where BankIslami Pakistan's Dividend Payout Ratio falls into.
BankIslami Pakistan 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.
BankIslami Pakistan'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.
BankIslami Pakistan (KAR:BIPL) has a Dividend Payout Ratio of 1.56 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on BankIslami Pakistan and its competitors. This is 438% above median its historical median of 0.29. Over the past decade, BankIslami Pakistan's Dividend Payout Ratio has ranged from 0.24 to 0.74. According to the industry distribution chart, BankIslami Pakistan ranks #1077 out of 1169 companies in the Banks industry, placing it in the top 92.1%.
Is BankIslami Pakistan's Dividend Payout Ratio too high?
BankIslami Pakistan's current Dividend Payout Ratio of 1.56 is 438% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 0.74. The Banks industry median Dividend Payout Ratio is 0.32. BankIslami Pakistan's value of 1.56 is 387.5% above this industry median. Based on the distribution chart, BankIslami Pakistan ranks #1077 out of 1169 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BankIslami Pakistan has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankIslami Pakistan's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, BankIslami Pakistan ranks #1077 out of 1169 companies for Dividend Payout Ratio. This places BankIslami Pakistan in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. BankIslami Pakistan's value of 1.56 is 387.5% above this benchmark. Historically, BankIslami Pakistan's own Dividend Payout Ratio has ranged from 0.24 to 0.74 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.32, BankIslami Pakistan 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 1,169 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. BankIslami Pakistan's current Dividend Payout Ratio of 1.56 is 387.5% 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 BankIslami Pakistan 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. BankIslami Pakistan's current Dividend Payout Ratio is 1.56, which is 438% above median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankIslami Pakistan stock overvalued right now?
Based on GuruFocus' analysis, BankIslami Pakistan (KAR:BIPL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨24.50, compared to a current price of ₨28.03 — trading 14.4% above its estimated fair value. The current Dividend Payout Ratio is 1.56, which is 438% above median its 10-year median of 0.29 and 387.5% above the Banks industry median of 0.32. BankIslami Pakistan's overall GF Score™ is 64/100 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 BankIslami Pakistan (KAR:BIPL), the current Dividend Payout Ratio is 1.56 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 BankIslami Pakistan (KAR:BIPL) Overvalued in 2026?
Based on GuruFocus' analysis, BankIslami Pakistan stock appears to be overvalued.
The current stock price of ₨28.03 is trading 14.4% above its estimated GF Value™ of ₨24.50.
GuruFocus considers BankIslami Pakistan to be Modestly Overvalued.
Key valuation signals for KAR:BIPL:
Dividend Payout Ratio: 1.56 (438% above median its 10-year median of 0.29)
GF Value™: ₨24.50 vs. price of ₨28.03 (14.4% above fair value)
Industry Position: 387.5% above the Banks median (#1077 of 1169)
No single metric tells the full story. See the KAR:BIPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankIslami Pakistan Ltd provides various banking products and services in Pakistan. The Bank's segments include Trading and Sales including equity, foreign exchanges, commodities, money market placements, and Shariah-compliant debt investments; Retail Banking includes retail Islamic financing and related assets, deposits, and banking services offered to the Bank's retail customers; and Commercial Banking includes investment banking business, trade business and Islamic financing and related assets relating to the Bank's corporate, SME and agriculture customers; and Support Centre segment includes the assets and liabilities relating to support functions at Head Office and their related income and expenses. The Majority of revenue derives from the Retail Banking segment. Operates in Pakistan.
64GF Score
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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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