💰 US Dividend Safety & Growth Quant Scanner MCP

Ultra-fast (<3s) Zero-Proxy MCP Tool for AI Agents (Claude, Cursor, LangChain).
Analyzes US dividend yield, net income payout ratio safety, operating cash flow (OCF) dividend coverage, 5-year average yield historical valuation, and computes a quantitative Dividend Safety Score (0-100) with Dividend Cut Risk classification in compact JSON and a 1-line Markdown summary. Supports both individual dividend stocks (KO, JNJ, O, MO, PG, AAPL, MSFT) and dividend ETFs (SCHD, VYM, JEPI, DGRO).

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⚡ Why AI Agents Need This MCP

1. Massive Context Token Savings (<250 tokens vs 20,000+ tokens): Raw cashflow statements and annual reports overwhelm LLM context windows. This tool extracts high-signal dividend safety metrics and cash flow coverage in a single serverless call.
2. Avoids High-Yield "Dividend Traps": High dividend yields often signal severe business distress. This scanner checks payout ratios and cash flow coverage to flag cut risks before dividend suspensions happen.
3. Historical Valuation Anchor: Compares current yield to the 5-year average yield (five_year_avg_dividend_yield_percent) to detect whether a quality stock is historically undervalued.
4. Pay-Per-Event Micro-Pricing: Only $0.008 per stock/ETF analyzed ($8.00 / 1,000 queries).

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🎯 The Complete 5-Star Hedge Fund Agent Pipeline

Run an end-to-end institutional grade investment check across our MCP suite:

1. Macro Check: Call macro-regime-liquidity-mcp ➔ Determine global risk regime (Goldilocks vs Stagflation).
2. Smart Money Check: Call smart-money-insider-flow-mcp ➔ Confirm institutional backing & CEO insider buying.
3. Wall Street Consensus: Call wallstreet-consensus-target-mcp ➔ Check IB price targets & 4Q earnings beat streak.
4. Dividend Safety Check: Call us-dividend-safety-growth-mcp (this tool) ➔ Verify payout safety, cash flow coverage, and dividend cut risk.
5. Timing & Execution: Call us-stock-etf-quant-signal-mcp ➔ Identify Wilder RSI turnaround, 20MA reclaim, and 2ATR stop-loss levels.

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🔌 Claude Desktop & Cursor MCP Configuration

{
  "mcpServers": {
    "dividend-safety": {
      "command": "npx",
      "args": [
        "-y",
        "@apify/mcp-server",
        "--actor",
        "YOUR_APIFY_USERNAME/us-dividend-safety-growth-mcp"
      ],
      "env": {
        "APIFY_TOKEN": "YOUR_APIFY_API_TOKEN"
      }
    }
  }
}

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📦 Output Sample

{
  "ticker": "KO",
  "company_name": "Coca-Cola Company (The)",
  "quote_type": "EQUITY",
  "analyzed_at_kst": "2026-10-31 19:55:00 KST",
  "timestamp_utc": "2026-10-31 10:55:00 UTC",
  "current_price": 94.08,
  "is_dividend_payer": true,
  "dividend_cut_risk": "VERY_LOW_RISK (매우 안전 - 배당 귀족/안정 성장형 우량주)",
  "dividend_safety_score": 88.5,
  "dividend_metrics": {
    "dividend_rate_usd": 2.12,
    "dividend_yield_percent": 2.25,
    "payout_ratio_percent": 61.95,
    "five_year_avg_dividend_yield_percent": 2.83,
    "valuation_status": "FAIRLY_VALUED (5년 역사적 평균 배당수익률 수렴)",
    "ex_dividend_date": "2026-12-01"
  },
  "coverage_and_cashflow": {
    "annual_total_dividends_paid_usd": 9120032950.2,
    "operating_cash_flow_usd": 16227000320.0,
    "free_cash_flow_usd": 4349000192.0,
    "operating_cash_flow_coverage_ratio": 1.78,
    "free_cash_flow_coverage_ratio": 0.48
  },
  "fundamentals": {
    "trailing_eps": 3.39,
    "forward_eps": 3.53,
    "debt_to_equity_percent": 107.45
  },
  "score_breakdown": {
    "payout_ratio_safety_score_weight_40": 34.6,
    "cashflow_and_stability_score_weight_35": 28.9,
    "yield_valuation_score_weight_25": 25.0,
    "total_safety_score": 88.5
  },
  "summary_md": "**KO Dividend Safety** | Verdict: VERY_LOW_RISK (Score: 88.5/100) | Yield: 2.25% (5Y Avg: 2.83%) | Payout: 61.95% | Rate: $2.12/yr | Ex-Div: 2026-12-01 | OCF Coverage: 1.78x | Type: EQUITY"
}

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🛠️ Input Parameters

Parameter	Type	Default	Description
tickers	array	["SCHD", "O", "JNJ", "KO", "AAPL", "NVDA"]	List of US stock and dividend ETF tickers to analyze.
maxItems	integer	50	Maximum number of tickers to analyze per run.

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⚖️ License

Apache 2.0