I&M Group (NAI:IMH) Dividend Payout Ratio: 0.85 (As of Jun. 2026) — 286% Above Median

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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NAI:IMH I&M Group PLC NAI:IMH
78 GF Score
Price KES81.00
GF Value KES43.47
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is I&M Group Dividend Payout Ratio?

I&M Group NAI:IMH +0.31% 78 Dividend Payout Ratio is 0.85 as of Jun. 2026, which is 286% above its 10-year median of 0.22. GuruFocus rates NAI:IMH with a GF Score™ of 78/100 and a GF Value™ of KES43.47 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,169 Banks companies, I&M Group ranks better than 51.07% 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. I&M Group's Dividend Payout Ratio for the months ended in Jun. 2026 was 0.85.

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

NAI:IMH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16   Med: 0.22   Max: 0.43
Current: 0.32

During the past 13 years, the highest Dividend Payout Ratio of I&M Group was 0.43. The lowest was 0.16. And the median was 0.22.

NAI:IMH's Dividend Payout Ratio is ranked better than
51.07% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs NAI:IMH: 0.32

As of today (2026-09-04), the Dividend Yield % of I&M Group is 4.63%.

During the past 13 years, the highest Trailing Annual Dividend Yield of I&M Group was 13.20%. The lowest was 2.69%. And the median was 5.71%.

I&M Group's Dividends per Share for the months ended in Jun. 2026 was KES2.25.

During the past 12 months, I&M Group's average Dividends Per Share Growth Rate was 25.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 28.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 28.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 17.10% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of I&M Group was 50.70% per year. The lowest was -33.80% per year. And the median was 13.40% 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.

I&M Group (NAI:IMH) 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.

I&M Group Dividend Payout Ratio Related Terms

I&M Group Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for I&M Group'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.

I&M Group Dividend Payout Ratio Chart

I&M Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.22 0.30 0.43 0.29

I&M Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.81 0.00 0.37 0.00 0.85

I&M Group Dividend Payout Ratio Competitor Comparison

For the Banks - Regional subindustry, I&M Group'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.

I&M Group Dividend Payout Ratio vs Banks Industry

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

* The bar in red indicates where I&M Group's Dividend Payout Ratio falls into.


NAI:IMH
78GF Score
I&M Group PLC NAI:IMH
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

I&M Group 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.

I&M Group'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 )
=3.2/ 10.942
=0.29

I&M Group's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=2.25/ 2.64
=0.85

* 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 0.85 mean?
I&M Group (NAI:IMH) has a Dividend Payout Ratio of 0.85 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on I&M Group and its competitors. This is 286% above median its historical median of 0.22. Over the past decade, I&M Group's Dividend Payout Ratio has ranged from 0.16 to 0.43. According to the industry distribution chart, I&M Group ranks #572 out of 1169 companies in the Banks industry, placing it in the top 48.9%.
Is I&M Group's Dividend Payout Ratio too high?
I&M Group's current Dividend Payout Ratio of 0.85 is 286% above median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.43. The Banks industry median Dividend Payout Ratio is 0.32. I&M Group's value of 0.85 is 165.6% above this industry median. Based on the distribution chart, I&M Group ranks #572 out of 1169 companies in the Banks industry, which is above the industry midpoint. Overall, I&M Group has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does I&M Group's Dividend Payout Ratio compare to competitors?
According to the Banks industry distribution chart, I&M Group ranks #572 out of 1169 companies for Dividend Payout Ratio. This puts I&M Group in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. I&M Group's value of 0.85 is 165.6% above this benchmark. Historically, I&M Group's own Dividend Payout Ratio has ranged from 0.16 to 0.43 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.32, I&M Group 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. I&M Group's current Dividend Payout Ratio of 0.85 is 165.6% 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 I&M Group 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. I&M Group's current Dividend Payout Ratio is 0.85, which is 286% above median its own 10-year median of 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is I&M Group stock overvalued right now?
Based on GuruFocus' analysis, I&M Group (NAI:IMH) is currently considered Significantly Overvalued. The stock's GF Value™ is KES43.47, compared to a current price of KES81.00 — trading 86.3% above its estimated fair value. The current Dividend Payout Ratio is 0.85, which is 286% above median its 10-year median of 0.22 and 165.6% above the Banks industry median of 0.32. I&M Group's overall GF Score™ is 78/100 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 I&M Group (NAI:IMH), the current Dividend Payout Ratio is 0.85 as of Jun. 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 I&M Group (NAI:IMH) Overvalued in 2026?

Based on GuruFocus' analysis, I&M Group stock appears to be overvalued. The current stock price of KES81.00 is trading 86.3% above its estimated GF Value™ of KES43.47. GuruFocus considers I&M Group to be Significantly Overvalued.

Key valuation signals for NAI:IMH:

  • Dividend Payout Ratio: 0.85 (286% above median its 10-year median of 0.22)
  • GF Value™: KES43.47 vs. price of KES81.00 (86.3% above fair value)
  • GF Score™: 78/100 with 5 warning signs
  • Industry Position: 165.6% above the Banks median (#572 of 1169)

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

I&M Group Business Description

Address 1 Park Avenue, 1st Parklands Avenue, P.O. Box 30238, Nairobi, KEN, 00100
I&M Group PLC is a non-operating holding company, along with its subsidiaries, providing banking, financial, and related services. The group operations are divided into five geographical segments: Kenya, Tanzania, Rwanda, Mauritius, and Uganda. It offers a range of personal banking products, such as bank accounts, cards, mobile banking, Internet banking, investment management services, loans, foreign exchange, and funds transfer. Business banking products include business accounts, loans, e-commerce, salary processing, trade services, interest rates, foreign exchange, insurance premium financing, funds transfer, asset finance, and cash management services.
78GF Score

Get the complete analysis for NAI:IMH

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

KES81.00
Price
KES43.47
GF Value