APS BankMAL:APS +0.88%21 Dividend Payout Ratio is 0.25 as of Dec. 2025, which is 69% below its 10-year median of 0.81. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,172 Banks companies, APS Bank ranks worse than 93.94% 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. APS Bank's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.25.
Warning Sign:
If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of APS Bank Ltd is 0.80, which seems too high.
The historical rank and industry rank for APS Bank's Dividend Payout Ratio or its related term are showing as below:
MAL:APS'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.67 Med: 0.81 Max: 0.83
Current: 0.8
During the past 5 years, the highest Dividend Payout Ratio of APS Bank was 0.83. The lowest was 0.67. And the median was 0.81.
MAL:APS's Dividend Payout Ratio is ranked worse than 93.94% of 1172
companies
in the Banks industry
Industry Median: 0.32
vs MAL:APS: 0.80
During the past 12 months, APS Bank's average Dividends Per Share Growth Rate was 10.00% 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.
APS Bank (MAL:APS) 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.
APS Bank Dividend Payout Ratio Related Terms
APS Bank Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for APS Bank'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.
MAL:APS vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, APS Bank'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.
APS Bank Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where APS Bank's Dividend Payout Ratio falls into.
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.
APS Bank'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.
APS Bank (MAL:APS) has a Dividend Payout Ratio of 0.25 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on APS Bank and its competitors. This is 69% below median its historical median of 0.81. Over the past decade, APS Bank's Dividend Payout Ratio has ranged from 0.67 to 0.83. According to the industry distribution chart, APS Bank ranks #1101 out of 1172 companies in the Banks industry, placing it in the top 93.9%.
Is APS Bank's Dividend Payout Ratio too high?
APS Bank's current Dividend Payout Ratio of 0.25 is 69% below median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 0.83. The Banks industry median Dividend Payout Ratio is 0.32. APS Bank's value of 0.25 is 21.9% below this industry median. Based on the distribution chart, APS Bank ranks #1101 out of 1172 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #1101 out of 1172 companies for Dividend Payout Ratio. This places APS Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. APS Bank's value of 0.25 is 21.9% below this benchmark. Historically, APS Bank's own Dividend Payout Ratio has ranged from 0.67 to 0.83 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 0.32, APS Bank 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 1,172 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. APS Bank's current Dividend Payout Ratio of 0.25 is 21.9% 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 APS Bank 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. APS Bank's current Dividend Payout Ratio is 0.25, which is 69% below median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 6.6% below its estimated fair value. The current Dividend Payout Ratio is 0.25, which is 69% below median its 10-year median of 0.81 and 21.9% below the Banks industry median of 0.32. APS Bank's overall GF Score™ is 21/100 with 7 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 APS Bank (MAL:APS), the current Dividend Payout Ratio is 0.25 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.57 is trading 6.6% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
Dividend Payout Ratio: 0.25 (69% below median its 10-year median of 0.81)
GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
Industry Position: 21.9% below the Banks median (#1101 of 1172)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF 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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