General CapitalNZSE:GEN -1.79%42 Dividend Payout Ratio is 0.16 as of Mar. 2026, which is 30% below its 10-year median of 0.23. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,169 Banks companies, General Capital ranks better than 72.88% 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. General Capital's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.16.
The historical rank and industry rank for General Capital's Dividend Payout Ratio or its related term are showing as below:
NZSE:GEN'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19 Med: 0.23 Max: 0.27
Current: 0.23
During the past 13 years, the highest Dividend Payout Ratio of General Capital was 0.27. The lowest was 0.19. And the median was 0.23.
NZSE:GEN's Dividend Payout Ratio is ranked better than 72.88% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs NZSE:GEN: 0.23
During the past 12 months, General Capital's average Dividends Per Share Growth Rate was 33.30% 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.
General Capital (NZSE:GEN) 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.
General Capital Dividend Payout Ratio Related Terms
General Capital Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for General Capital'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.
NZSE:GEN vs RKT, FNMA, PFSI: Dividend Payout Ratio Comparison
For the Mortgage Finance subindustry, General Capital'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.
General Capital Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where General Capital'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.
General Capital's Dividend Payout Ratio for the fiscal year that ended in Mar. 2026 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.
General Capital (NZSE:GEN) has a Dividend Payout Ratio of 0.16 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on General Capital and its competitors. This is 30% below median its historical median of 0.23. Over the past decade, General Capital's Dividend Payout Ratio has ranged from 0.19 to 0.27. According to the industry distribution chart, General Capital ranks #317 out of 1169 companies in the Banks industry, placing it in the top 27.1%.
Is General Capital's Dividend Payout Ratio too high?
General Capital's current Dividend Payout Ratio of 0.16 is 30% below median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.27. The Banks industry median Dividend Payout Ratio is 0.32. General Capital's value of 0.16 is 50% below this industry median. Based on the distribution chart, General Capital ranks #317 out of 1169 companies in the Banks industry, which is above the industry midpoint. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's Dividend Payout Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #317 out of 1169 companies for Dividend Payout Ratio. This puts General Capital in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. General Capital's value of 0.16 is 50% below this benchmark. Historically, General Capital's own Dividend Payout Ratio has ranged from 0.19 to 0.27 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.32, General Capital 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 1,169 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. General Capital's current Dividend Payout Ratio of 0.16 is 50% 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 General Capital 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. General Capital's current Dividend Payout Ratio is 0.16, which is 30% below median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.97, compared to a current price of NZ$0.28 — trading 71.6% below its estimated fair value. The current Dividend Payout Ratio is 0.16, which is 30% below median its 10-year median of 0.23 and 50% below the Banks industry median of 0.32. General Capital's overall GF Score™ is 42/100 with 3 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 General Capital (NZSE:GEN), the current Dividend Payout Ratio is 0.16 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.28 is trading 71.6% below its estimated GF Value™ of NZ$0.97.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
Dividend Payout Ratio: 0.16 (30% below median its 10-year median of 0.23)
GF Value™: NZ$0.97 vs. price of NZ$0.28 (71.6% below fair value)
Industry Position: 50% below the Banks median (#317 of 1169)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score
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