About Industrial & Commercial Bank of China Ltd. (IDCBY) — Dividend Analysis 2026
Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include corporate loans, trade financing, deposit taking activities, corporate wealth management services, custody activities, and various corporate intermediary services. The Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions businesses, as well as in the holding of derivative positions. It also offers e-banking services, investment banking, financial leasing, and insurance services. The company was founded in 1984 and is based in Beijing, the People's Republic of China.
Is IDCBY a good dividend investment in 2026?
IDCBY offers a 3.80% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of 39.3% demonstrates strong, consistent growth that outpaces inflation.
IDCBY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your IDCBY portfolio grows to $2.64M vs $2.33M without reinvestment. This is the compound interest effect in action.
IDCBY dividend growth history & forecast
IDCBY has grown its dividend by 0% over the last year and 39.3% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 3.80%.
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 IDCBY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold IDCBY.
Gross yield
3.80%
Tax rate
15.00%
After-tax yield
3.23%
Real yield (−CPI)
0.43%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
3.80%
1.00%
$380 / yr
🇺🇸 US Taxable (15%) ✓
15%
3.23%
0.43%
$323 / yr
🇺🇸 US Taxable (20%)
20%
3.04%
0.24%
$304 / yr
🇬🇧 UK ISA
0%
3.80%
1.00%
$380 / yr
🇬🇧 UK Taxable
8.75%
3.47%
0.67%
$347 / yr
🇨🇦 TFSA
0%
3.80%
1.00%
$380 / yr
🇨🇦 CA Taxable
25%
2.85%
0.05%
$285 / yr
🇦🇺 Super (pension)
15%
3.23%
0.43%
$323 / yr
🇦🇺 AU Taxable
30%
2.66%
-0.14%
$266 / yr
🇩🇪 DE Taxable
26.375%
2.80%
-0.00%
$280 / yr
🇫🇷 FR Taxable
30%
2.66%
-0.14%
$266 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 IDCBY Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your IDCBY investment of $17.10/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$33.5K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$31.0K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in IDCBY for:
Shares needed
43,506
Capital required
$743,953
Monthly income
$2,000
Based on current dividend of $0.65/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 IDCBY Dividend Payment Schedule
IDCBY pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.38 / payment
$5.52 / year after tax
100 shares
$13.79 / payment
$55.17 / year after tax
1,000 shares
$137.91 / payment
$551.65 / year after tax
📊 IDCBY vs Financial Services Benchmarks
How IDCBY compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+0.90% vs sectorBetter
IDCBY
3.80%
avg
2.90%
5Y Dividend CAGR▲+32.20% vs sectorBetter
IDCBY
39.30%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
IDCBY
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for IDCBY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ IDCBY Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-04-24(in 24 days)EPS estimate: $0.73
🔬
Financial Health Scores
Altman Z-Score
0.15
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the IDCBY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →