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 18 Sept 2026
How the score is built
Weighted pillars whose scores roll up to the headline.
- Payout coverage35%94
Payout coverage looks comfortable on the metrics we can measure.
- Balance sheet20%91
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 | 20% | 95 | 13.3 / 14 | Comfortable |
| FCF payout ratio (3y avg) | 38% | 95 | 13.3 / 14 | Comfortable |
| Forward payout (EPS) | 18% | 90 | 6.3 / 7 | Comfortable |
| Balance sheet · weight 20%91 | ||||
| Net debt / EBITDA | 0.3× | 92 | 8.3 / 9 | Comfortable |
| Interest coverage | 68.0× | 95 | 6.7 / 7 | Comfortable |
| Debt / equity 3y trend | +16% | 80 | 3.2 / 4 | Comfortable |
| Track record · weight 20%94 | ||||
| Cut history (10y) | No cuts in 10y | 95 | 8.6 / 9 | Comfortable |
| Stability streak | 24y held · 16y grown | 95 | 6.7 / 7 | Comfortable |
| Growth consistency | ±0pp | 88 | 3.5 / 4 | Comfortable |
| Earnings stability · weight 15%88 | ||||
| Revenue volatility | CV 0.04 | 92 | 4.1 / 4.5 | Comfortable |
| Net income volatility | CV 0.08 | 88 | 4.0 / 4.5 | Comfortable |
| Margin trend (3y) | +5.8pp | 80 | 2.4 / 3 | Comfortable |
| Return on equity | 30% | 88 | 2.6 / 3 | Comfortable |
| Forward outlook · weight 10%77 | ||||
| Forward EPS growth | +14.3% | 88 | 5.3 / 6 | Comfortable |
| Estimate revisions (90d) | flat | 60 | 2.4 / 4 | Manageable |
Score history
Five questions, one honest score.
The score is built from five 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 set the payout against reported earnings and free cash flow over complete financial years, and against analysts' forecasts for the year ahead, 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. For banks and insurers, capital strength takes its place.
Earnings stability
A steady business can keep paying through a weak patch. We measure how much revenue and earnings swing around their underlying trend, so dependable compounders score well while businesses whose results swing widely are marked down.
Track record
Past behaviour is a strong signal of future risk. We read the length of the payment record, how the dividend has grown, and any past cut or suspension, so a dividend that has been cut before carries that history into its score.
Forward outlook
What do analysts expect next? Consensus earnings growth and the direction of forecast revisions add the one forward-looking input a score built on filed accounts would otherwise lack.
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