Stress-test any dividend before you buy.
A transparent 1 to 99 score that tells you whether a dividend is genuinely safe, and shows the full reasoning behind it. Not a black box: every factor is laid out so you learn to judge dividend safety yourself.
Confidence High · Standard profile · as of 11 Jun 2026
How the score is built
Five weighted pillars whose scores roll up to the headline.
- Payout coverage35%94
Payout coverage looks comfortable on the metrics we can measure.
- Balance sheet20%95
Balance sheet looks comfortable on the metrics we can measure.
- Track record20%94
Track record looks comfortable on the metrics we can measure.
- Earnings stability15%88
Earnings stability looks comfortable on the metrics we can measure.
- Forward outlook10%77
Forward outlook looks comfortable on the metrics we can measure.
Factor detail
Each factor's raw value becomes a score on the threshold curve, then a contribution toward the 100 weighted points.
| Factor | Value | Score | Contribution | Verdict |
|---|---|---|---|---|
| Payout coverage · weight 35%94 | ||||
| EPS payout ratio | 21% | 95 | 13.3 / 14 | Comfortable |
| FCF payout ratio (3y avg) | 33% | 95 | 13.3 / 14 | Comfortable |
| Forward payout (EPS) | 21% | 90 | 6.3 / 7 | Comfortable |
| Balance sheet · weight 20%95 | ||||
| Net debt / EBITDA | Net cash | 100 | 9.0 / 9 | Comfortable |
| Interest coverage | 71.1× | 95 | 6.7 / 7 | Comfortable |
| Debt / equity 3y trend | −53% | 85 | 3.4 / 4 | Comfortable |
| Track record · weight 20%94 | ||||
| Cut history (10y) | No cuts in 10y | 95 | 8.6 / 9 | Comfortable |
| Stability streak | 23y held · 23y grown | 95 | 6.7 / 7 | Comfortable |
| Growth consistency | ±0pp | 88 | 3.5 / 4 | Comfortable |
| Earnings stability · weight 15%88 | ||||
| Revenue volatility | CV 0.03 | 92 | 4.1 / 4.5 | Comfortable |
| Net income volatility | CV 0.05 | 88 | 4.0 / 4.5 | Comfortable |
| Margin trend (3y) | +6.4pp | 80 | 2.4 / 3 | Comfortable |
| Return on equity | 30% | 88 | 2.6 / 3 | Comfortable |
| Forward outlook · weight 10%77 | ||||
| Forward EPS growth | +23.3% | 88 | 5.3 / 6 | Comfortable |
| Estimate revisions (90d) | flat | 60 | 2.4 / 4 | Manageable |
Score history
Four questions, one honest score.
The score is built from four pillars, each answering a question a careful dividend investor would ask. We show how every pillar contributes, so the number always comes with its reasons.
Payout coverage
Can the company actually afford its dividend? We measure how much of earnings and cash flow the payout consumes, on a trailing-twelve-month basis, so a dividend funded by debt or one-off gains is flagged before it becomes a problem.
Balance-sheet strength
A strong balance sheet is what lets a dividend survive a bad year. We look at debt load, the trend in leverage over time, and reward genuine net-cash positions, because a company with low debt has room to keep paying when earnings dip.
Growth consistency
Steady, dependable growth beats a high but erratic payout. We assess revenue and earnings stability around their underlying trend, so reliable compounders score well while volatile, feast-or-famine businesses are marked down.
Cut history and safety
Past behaviour is the clearest signal of future risk. We penalise dividends that have been cut or suspended before, and surface early warning signs of a looming reduction, so you can avoid future cutters rather than learn about them after the fact.
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