HSBC Bank Malta (MAL:HSB) Dividend Payout Ratio: 1.11 (As of Dec. 2025) — 76% Above Median

What is HSBC Bank Malta Dividend Payout Ratio?

HSBC Bank Malta MAL:HSB -0.70% 53 Dividend Payout Ratio is 1.11 as of Dec. 2025, which is 76% above its 10-year median of 0.63. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.31 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,171 Banks companies, HSBC Bank Malta ranks worse than 97.52% 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. HSBC Bank Malta's Dividend Payout Ratio for the months ended in Dec. 2025 was 1.11.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of HSBC Bank Malta PLC is 1.10, which seems too high.

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

MAL:HSB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24 Med: 0.63 Max: 1.57
Current: 1.1

During the past 13 years, the highest Dividend Payout Ratio of HSBC Bank Malta was 1.57. The lowest was 0.24. And the median was 0.63.

MAL:HSB's Dividend Payout Ratio is ranked worse than
97.52% of 1171 companies
in the Banks industry
Industry Median: 0.32 vs MAL:HSB: 1.10

As of today (2026-06-30), the Dividend Yield % of HSBC Bank Malta is 15.49%.

During the past 13 years, the highest Trailing Annual Dividend Yield of HSBC Bank Malta was 15.60%. The lowest was 1.21%. And the median was 4.89%.

HSBC Bank Malta's Dividends per Share for the months ended in Dec. 2025 was €0.10.

During the past 12 months, HSBC Bank Malta's average Dividends Per Share Growth Rate was 120.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 86.30% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of HSBC Bank Malta was 102.70% per year. The lowest was -54.10% per year. And the median was 2.00% 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.

HSBC Bank Malta (MAL:HSB) 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.

HSBC Bank Malta Dividend Payout Ratio Related Terms

HSBC Bank Malta Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for HSBC Bank Malta'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.

HSBC Bank Malta Dividend Payout Ratio Chart

HSBC Bank Malta Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.24

0.33

0.48

0.36

1.10

HSBC Bank Malta Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
Dividend Payout Ratio	Get a 7-Day Free Trial															0.46	0.00	0.73	1.09	1.11

MAL:HSB vs PNC, USB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, HSBC Bank Malta'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.

HSBC Bank Malta Dividend Payout Ratio vs Banks Industry

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

* The bar in red indicates where HSBC Bank Malta's Dividend Payout Ratio falls into.

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53GF Score

HSBC Bank Malta PLC MAL:HSB

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

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HSBC Bank Malta Dividend Payout Ratio Calculation

HSBC Bank Malta'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 )
	=	0.22	/	0.2
	=	1.10

HSBC Bank Malta'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 )
	=	0.1	/	0.09
	=	1.11

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 1.11 mean?

HSBC Bank Malta (MAL:HSB) has a Dividend Payout Ratio of 1.11 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on HSBC Bank Malta and its competitors. This is 76% above median its historical median of 0.63. Over the past decade, HSBC Bank Malta's Dividend Payout Ratio has ranged from 0.24 to 1.57. According to the industry distribution chart, HSBC Bank Malta ranks #1142 out of 1171 companies in the Banks industry, placing it in the top 97.5%.

Is HSBC Bank Malta's Dividend Payout Ratio too high?

HSBC Bank Malta's current Dividend Payout Ratio of 1.11 is 76% above median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.57. The Banks industry median Dividend Payout Ratio is 0.32. HSBC Bank Malta's value of 1.11 is 246.9% above this industry median. Based on the distribution chart, HSBC Bank Malta ranks #1142 out of 1171 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does HSBC Bank Malta's Dividend Payout Ratio compare to PNC and USB?

According to the Banks industry distribution chart, HSBC Bank Malta ranks #1142 out of 1171 companies for Dividend Payout Ratio. This places HSBC Bank Malta in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. HSBC Bank Malta's value of 1.11 is 246.9% above this benchmark. Historically, HSBC Bank Malta's own Dividend Payout Ratio has ranged from 0.24 to 1.57 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.32, HSBC Bank Malta 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. HSBC Bank Malta's current Dividend Payout Ratio of 1.11 is 246.9% 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 HSBC Bank Malta 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. HSBC Bank Malta's current Dividend Payout Ratio is 1.11, which is 76% above median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is HSBC Bank Malta stock overvalued right now?

Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.31, compared to a current price of €1.42 — trading 8.4% above its estimated fair value. The current Dividend Payout Ratio is 1.11, which is 76% above median its 10-year median of 0.63 and 246.9% above the Banks industry median of 0.32. HSBC Bank Malta's overall GF Score™ is 53/100 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 HSBC Bank Malta (MAL:HSB), the current Dividend Payout Ratio is 1.11 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?

Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued. The current stock price of €1.42 is trading 8.4% above its estimated GF Value™ of €1.31. GuruFocus considers HSBC Bank Malta to be Fairly Valued.

Key valuation signals for MAL:HSB:

Dividend Payout Ratio: 1.11 (76% above median its 10-year median of 0.63)
GF Value™: €1.31 vs. price of €1.42 (8.4% above fair value)
GF Score™: 53/100 with 6 warning signs
Industry Position: 246.9% above the Banks median (#1142 of 1171)

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

HSBC Bank Malta Business Description

Industry Financial Services Banks

Comparable Companies MAL:APS MAL:LOM MAL:BOV SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3 SGX:O39 LSE:LLOY HKSE:01658

Address 116 Archbishop Street, Valletta, MLT, VLT 1444

Website https://www.hsbc.com.mt

HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).

53GF Score

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

€1.42

Price

€1.31

GF Value

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