About Positive Physicians Holdings, Inc. (PPHI) — Dividend Analysis 2026
Positive Physicians Holdings, Inc., through its subsidiary Positive Physicians Insurance Company, provides medical malpractice insurance. The company underwrites claims-made, claims-made plus, tail, and occurrence-based medical professional liability coverage for physicians, corporations, medical groups, clinics, and allied healthcare providers. It sells its medical professional liability insurance products through approximately 82 retail producers in the territories of Pennsylvania, New Jersey, Ohio, Delaware, Maryland, South Carolina, Michigan, Florida, and Texas. The company was founded in 2002 and is based in Berwyn, Pennsylvania. Positive Physicians Holdings, Inc. is a subsidiary of Insurance Capital Group, LLC.
Is PPHI a good dividend investment in 2026?
PPHI offers a 14.75% forward yield with a 50% payout ratio. Strand Safety Score: 0/100 (Critical Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
PPHI DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your PPHI portfolio grows to $11.82M vs $10.25M without reinvestment. This is the compound interest effect in action.
PPHI dividend growth history & forecast
PPHI 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 14.75%.
FCF ($2M) is below dividends paid ($4M) — risk of cut (FCF: $2M · Dividends est.: $4M)
Debt Leverage0.0× Debt/EBITDA
0 / 30 pts
0/30
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum-0.0B → -0.0B → -0.0B
0 / 30 pts
0/30
Company is reporting net losses — dividend sustainability is in question
OVERALL ASSESSMENT
High risk of dividend cut — weak fundamentals across multiple factors.
STRAND SCORE
0
/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.
🌍 PPHI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PPHI.
Gross yield
14.75%
Tax rate
15.00%
After-tax yield
12.54%
Real yield (−CPI)
9.74%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
14.75%
11.95%
$1,475 / yr
🇺🇸 US Taxable (15%) ✓
15%
12.54%
9.74%
$1,254 / yr
🇺🇸 US Taxable (20%)
20%
11.80%
9.00%
$1,180 / yr
🇬🇧 UK ISA
0%
14.75%
11.95%
$1,475 / yr
🇬🇧 UK Taxable
8.75%
13.46%
10.66%
$1,346 / yr
🇨🇦 TFSA
0%
14.75%
11.95%
$1,475 / yr
🇨🇦 CA Taxable
25%
11.06%
8.26%
$1,106 / yr
🇦🇺 Super (pension)
15%
12.54%
9.74%
$1,254 / yr
🇦🇺 AU Taxable
30%
10.32%
7.52%
$1,033 / yr
🇩🇪 DE Taxable
26.375%
10.86%
8.06%
$1,086 / yr
🇫🇷 FR Taxable
30%
10.32%
7.52%
$1,033 / 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.
🎯 PPHI Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your PPHI investment of $7.50/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$13.8K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$11.4K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in PPHI for:
Shares needed
25,522
Capital required
$191,415
Monthly income
$2,000
Based on current dividend of $1.11/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PPHI Dividend Payment Schedule
PPHI pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$2.35 / payment
$9.40 / year after tax
100 shares
$23.51 / payment
$94.04 / year after tax
1,000 shares
$235.10 / payment
$940.40 / year after tax
📊 PPHI vs Financial Services Benchmarks
How PPHI compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+11.85% vs sectorBetter
PPHI
14.75%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
PPHI
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
PPHI
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PPHI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PPHI Insider Activity
No recent SEC filings reported in the last 90 days.
📊 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 PPHI 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 →