M&G Creditome Investment Trust (LSE:MGCI) Dividend Payout Ratio: 1.23 (As of Dec. 2025) — 23% Above Median


LSE:MGCI M&G Credit Income Investment Trust PLC LSE:MGCI
30 GF Score
Price £0.92
GF Value £0.77
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is M&G Creditome Investment Trust Dividend Payout Ratio?

M&G Creditome Investment Trust LSE:MGCI -0.86% 30 Dividend Payout Ratio is 1.23 as of Dec. 2025, which is 23% above its 10-year median of 1.00. GuruFocus rates LSE:MGCI with a GF Score™ of 30/100 and a GF Value™ of £0.77 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 933 Asset Management companies, M&G Creditome Investment Trust ranks worse than 76.42% 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. M&G Creditome Investment Trust's Dividend Payout Ratio for the months ended in Dec. 2025 was 1.23.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of M&G Credit Income Investment Trust PLC is 1.34, which seems too high.

The historical rank and industry rank for M&G Creditome Investment Trust's Dividend Payout Ratio or its related term are showing as below:

LSE:MGCI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.88   Med: 1   Max: 1.34
Current: 1.34

During the past 7 years, the highest Dividend Payout Ratio of M&G Creditome Investment Trust was 1.34. The lowest was 0.88. And the median was 1.00.

LSE:MGCI's Dividend Payout Ratio is ranked worse than
76.42% of 933 companies
in the Asset Management industry
Industry Median: 0.7 vs LSE:MGCI: 1.34

As of today (2026-07-07), the Dividend Yield % of M&G Creditome Investment Trust is 7.96%.

During the past 7 years, the highest Trailing Annual Dividend Yield of M&G Creditome Investment Trust was 9.22%. The lowest was 4.00%. And the median was 5.23%.

M&G Creditome Investment Trust's Dividends per Share for the months ended in Dec. 2025 was £0.04.

During the past 12 months, M&G Creditome Investment Trust's average Dividends Per Share Growth Rate was -8.10% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 18.90% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 19.10% per year.

During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of M&G Creditome Investment Trust was 27.50% per year. The lowest was 18.90% per year. And the median was 27.00% 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.

M&G Creditome Investment Trust (LSE:MGCI) 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.

M&G Creditome Investment Trust Dividend Payout Ratio Related Terms

M&G Creditome Investment Trust Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for M&G Creditome Investment Trust'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.

M&G Creditome Investment Trust Dividend Payout Ratio Chart

M&G Creditome Investment Trust Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial 1.00 0.00 0.88 1.15 1.34

M&G Creditome Investment Trust Semi-Annual Data
Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.68 0.98 1.39 1.46 1.23

LSE:MGCI vs BLK, BX, KKR: Dividend Payout Ratio Comparison

For the Asset Management subindustry, M&G Creditome Investment Trust'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.

M&G Creditome Investment Trust Dividend Payout Ratio vs Asset Management Industry

For the Asset Management industry and Financial Services sector, M&G Creditome Investment Trust's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where M&G Creditome Investment Trust's Dividend Payout Ratio falls into.


LSE:MGCI
30GF Score
M&G Credit Income Investment Trust PLC LSE:MGCI
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

M&G Creditome Investment Trust 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.

M&G Creditome Investment Trust'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 )
=0.079/ 0.059
=1.34

M&G Creditome Investment Trust's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.038/ 0.031
=1.23

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 1.23 mean?
M&G Creditome Investment Trust (LSE:MGCI) has a Dividend Payout Ratio of 1.23 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on M&G Creditome Investment Trust and its competitors. This is 23% above median its historical median of 1.00. Over the past decade, M&G Creditome Investment Trust's Dividend Payout Ratio has ranged from 0.88 to 1.34. According to the industry distribution chart, M&G Creditome Investment Trust ranks #713 out of 933 companies in the Asset Management industry, placing it in the top 76.4%.
Is M&G Creditome Investment Trust's Dividend Payout Ratio too high?
M&G Creditome Investment Trust's current Dividend Payout Ratio of 1.23 is 23% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 1.34. The Asset Management industry median Dividend Payout Ratio is 0.70. M&G Creditome Investment Trust's value of 1.23 is 75.7% above this industry median. Based on the distribution chart, M&G Creditome Investment Trust ranks #713 out of 933 companies in the Asset Management industry, which is in the bottom quartile relative to peers. Overall, M&G Creditome Investment Trust has a GF Score™ of 30/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does M&G Creditome Investment Trust's Dividend Payout Ratio compare to BLK and BX?
According to the Asset Management industry distribution chart, M&G Creditome Investment Trust ranks #713 out of 933 companies for Dividend Payout Ratio. This places M&G Creditome Investment Trust in the lower half of its industry. The industry median Dividend Payout Ratio is 0.70. M&G Creditome Investment Trust's value of 1.23 is 75.7% above this benchmark. Historically, M&G Creditome Investment Trust's own Dividend Payout Ratio has ranged from 0.88 to 1.34 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 0.70, M&G Creditome Investment Trust 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 an Asset Management company?
The median Dividend Payout Ratio among Asset Management companies is 0.70, based on 933 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. M&G Creditome Investment Trust's current Dividend Payout Ratio of 1.23 is 75.7% 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 M&G Creditome Investment Trust and its competitors. For the Asset Management industry, the median Dividend Payout Ratio is 0.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. M&G Creditome Investment Trust's current Dividend Payout Ratio is 1.23, which is 23% above median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is M&G Creditome Investment Trust stock overvalued right now?
Based on GuruFocus' analysis, M&G Creditome Investment Trust (LSE:MGCI) is currently considered Modestly Overvalued. The stock's GF Value™ is £0.77, compared to a current price of £0.92 — trading 19.5% above its estimated fair value. The current Dividend Payout Ratio is 1.23, which is 23% above median its 10-year median of 1.00 and 75.7% above the Asset Management industry median of 0.70. M&G Creditome Investment Trust's overall GF Score™ is 30/100 with 6 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 M&G Creditome Investment Trust (LSE:MGCI), the current Dividend Payout Ratio is 1.23 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 M&G Creditome Investment Trust (LSE:MGCI) Overvalued in 2026?

Based on GuruFocus' analysis, M&G Creditome Investment Trust stock appears to be overvalued. The current stock price of £0.92 is trading 19.5% above its estimated GF Value™ of £0.77. GuruFocus considers M&G Creditome Investment Trust to be Modestly Overvalued.

Key valuation signals for LSE:MGCI:

  • Dividend Payout Ratio: 1.23 (23% above median its 10-year median of 1.00)
  • GF Value™: £0.77 vs. price of £0.92 (19.5% above fair value)
  • GF Score™: 30/100 with 6 warning signs
  • Industry Position: 75.7% above the Asset Management median (#713 of 933)

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

M&G Creditome Investment Trust Business Description

Address 51 Lime Street, 19th Floor, London, ENG, EC3M 7DQ
M&G Credit Income Investment Trust PLC is an investment company. Its investment objective is to generate a regular and attractive level of income with low asset value volatility by investing in a diversified portfolio of public and private debt and debt-like instruments (Debt Instruments), a majority of which will be investment grade. Over the longer term, the company expects to be mainly invested in private debt instruments. The company's investment portfolio comprises asset-backed securities, loans, bonds, and other debt securities.
30GF Score

Get the complete analysis for LSE:MGCI

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.92
Price
£0.77
GF Value