About Pushpay Holdings Limited (PHPYF) — Dividend Analysis 2026
Pushpay Holdings Limited, together with its subsidiaries, provides donor management system to the faith sector, non-profit organizations, and education providers in the United States, Canada, Australia, and New Zealand. Its donor management system comprises donor tools, finance tools, and a custom community app. The company provides engagement, payment, and administration solutions, which enable its customers to enhance participation and build stronger relationships with their communities. It also offers Software as a Service church management system, a platform that provides churches to connect and communicate with their community members; record member service history; and track online giving and perform a range of administrative functions, as well as ChurchStaq, an engagement solution that allows users to connect across various ministry touch points, including giving and donor management, church management, and access to Pushpay's App. Pushpay Holdings Limited was incorporated in 2011 and is based in Auckland, New Zealand.
Is PHPYF a good dividend investment in 2026?
PHPYF offers a 243.90% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
PHPYF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your PHPYF portfolio grows to $63.69M vs $10.48M without reinvestment. This is the compound interest effect in action.
PHPYF dividend growth history & forecast
PHPYF has grown its dividend by 0% over the last year and 0% 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 243.90%.
FCF ($46M) is below dividends paid ($2.4B) — risk of cut (FCF: $46M · Dividends est.: $2.4B)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → +0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
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.
🌍 PHPYF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PHPYF.
Gross yield
243.90%
Tax rate
15.00%
After-tax yield
207.31%
Real yield (−CPI)
204.51%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
243.90%
241.10%
$24,390 / yr
🇺🇸 US Taxable (15%) ✓
15%
207.31%
204.51%
$20,732 / yr
🇺🇸 US Taxable (20%)
20%
195.12%
192.32%
$19,512 / yr
🇬🇧 UK ISA
0%
243.90%
241.10%
$24,390 / yr
🇬🇧 UK Taxable
8.75%
222.56%
219.76%
$22,256 / yr
🇨🇦 TFSA
0%
243.90%
241.10%
$24,390 / yr
🇨🇦 CA Taxable
25%
182.93%
180.13%
$18,293 / yr
🇦🇺 Super (pension)
15%
207.31%
204.51%
$20,732 / yr
🇦🇺 AU Taxable
30%
170.73%
167.93%
$17,073 / yr
🇩🇪 DE Taxable
26.375%
179.57%
176.77%
$17,957 / yr
🇫🇷 FR Taxable
30%
170.73%
167.93%
$17,073 / 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.
🎯 PHPYF Income Goal & Break-Even
Dividend Break-Even
1yr
Years for dividends to fully repay your PHPYF investment of $0.82/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$803.9K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$801.4K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in PHPYF for:
Shares needed
14,118
Capital required
$11,577
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PHPYF Dividend Payment Schedule
PHPYF pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 PHPYF vs Technology Benchmarks
How PHPYF compares to typical Technology averages.
Benchmark: Technology
Dividend Yield▲+242.50% vs sectorBetter
PHPYF
243.90%
avg
1.40%
5Y Dividend CAGR▼-9.40% vs sectorBelow avg
PHPYF
0.00%
avg
9.40%
Payout Ratio▼+22.00% vs sectorBelow avg
PHPYF
50.00%
avg
28.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PHPYF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PHPYF Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
40.75
✅ Safe Zone — low bankruptcy 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 PHPYF 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 →