Fidelity Bank (NSA:FBP) Total Payout Ratio: -0.76 (As of Jul. 29, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSA:FBP Fidelity Bank PLC NSA:FBP
69 GF Score
Price ₦21.80
GF Value ₦14.38
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Fidelity Bank Total Payout Ratio?

Fidelity Bank NSA:FBP +1.63% 69 Total Payout Ratio is -0.76 as of Jul. 29, 2026. GuruFocus rates NSA:FBP with a GF Score™ of 69/100 and a GF Value™ of ₦14.38 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Fidelity Bank's current Total Payout Ratio is -0.76.


Fidelity Bank Total Payout Ratio Related Terms


Fidelity Bank Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Fidelity Bank's Total 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.

Fidelity Bank Total Payout Ratio Chart

Fidelity Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.25 0.24 0.06 -0.34 -0.47

Fidelity Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total 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 -1.80 0.00 0.00 0.00 -2.46

Fidelity Bank Total Payout Ratio Competitor Comparison

For the Banks - Regional subindustry, Fidelity Bank's Total Payout Ratio, along with its competitors' market caps and Total 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.


Fidelity Bank Total Payout Ratio vs Banks Industry

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

* The bar in red indicates where Fidelity Bank's Total Payout Ratio falls into.


NSA:FBP
69GF Score
Fidelity Bank PLC NSA:FBP
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fidelity Bank Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Fidelity Bank's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 227045 + -62750) / 347662
=-0.47

Fidelity Bank's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 227045 + 0) / 92476
=-2.46

* 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 Total Payout Ratio →
What does a Total Payout Ratio of -0.76 mean?
Fidelity Bank (NSA:FBP) has a Total Payout Ratio of -0.76 as of Jul. 29, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Fidelity Bank and its competitors.
Is Fidelity Bank's Total Payout Ratio too high?
Fidelity Bank's current Total Payout Ratio is -0.76. Overall, Fidelity Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's Total Payout Ratio compare to competitors?
Fidelity Bank's Total Payout Ratio of -0.76 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Fidelity Bank and its competitors. Fidelity Bank's current Total Payout Ratio is -0.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦14.38, compared to a current price of ₦21.80 — trading 51.6% above its estimated fair value. The current Total Payout Ratio is -0.76. Fidelity Bank's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Fidelity Bank (NSA:FBP), the current Total Payout Ratio is -0.76 as of Jul. 29, 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued. The current stock price of ₦21.80 is trading 51.6% above its estimated GF Value™ of ₦14.38. GuruFocus considers Fidelity Bank to be Significantly Overvalued.

Key valuation signals for NSA:FBP:

  • Total Payout Ratio: -0.76
  • GF Value™: ₦14.38 vs. price of ₦21.80 (51.6% above fair value)
  • GF Score™: 69/100 with 4 warning signs

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


Fidelity Bank Business Description

Address 1 Fidelity Bank Close Off Kofo Abayomi Street, Fidelity Place, Victoria Island, Lagos, NGA
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
69GF Score

Get the complete analysis for NSA:FBP

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

₦21.80
Price
₦14.38
GF Value