Dividend Safety Analyzer

Analyze dividend safety for any US-listed stock using SEC EDGAR financial filings and FRED macroeconomic data. Returns a 0-100 safety score, A+ to F grade, and actionable verdict — ideal for income investors, financial advisors, and portfolio risk tools.

What It Does

For each ticker symbol, this actor fetches real SEC EDGAR company facts (annual 10-K filings) and computes four weighted dimensions:

Dimension	Weight	What It Measures
Payout Ratio	25 pts	Dividends paid vs. earnings per share
Dividend Growth	25 pts	Consecutive years of growth + CAGR
Earnings Stability	25 pts	EPS volatility coefficient + negative years
Debt Coverage	25 pts	Long-term debt relative to earnings

Total score: 0-100. Grade: A+ to F.

Use Cases

• Income investors — Screen dividend stocks before buying
• Financial advisors — Quickly assess dividend sustainability for client portfolios
• Portfolio risk tools — Batch-analyze dividend payers for risk flags
• Fintech apps — Embed dividend quality scores in investment platforms
• Robo-advisors — Filter high-yield dividend traps from safe dividend growers

Input

{
  "ticker": "JNJ",
  "years": 5
}

Field	Type	Required	Default	Description
ticker	string	Yes	JNJ	Stock ticker symbol. Supports comma-separated batch (e.g., "JNJ,KO,PG")
years	integer	No	5	Years of historical data to analyze (1-10)

Output

{
  "ticker": "JNJ",
  "safetyScore": 82,
  "grade": "B+",
  "verdict": "Safe dividend — solid fundamentals with manageable payout ratio",
  "payoutRatio": { "ratio": 0.44, "score": 20, "maxScore": 25 },
  "dividendGrowth": { "cagr": 5.2, "consecutiveGrowthYears": 5, "score": 25, "maxScore": 25 },
  "earningsStability": { "volatilityCoefficient": 0.12, "negativeEarningsYears": 0, "score": 22, "maxScore": 25 },
  "debtCoverage": { "debtToEarningsRatio": 2.1, "score": 15, "maxScore": 25 },
  "flags": [],
  "scoreBreakdown": { "payoutRatioScore": 20, "dividendGrowthScore": 25, "earningsStabilityScore": 22, "debtCoverageScore": 15 },
  "sources": ["SEC EDGAR Company Facts", "FRED Federal Reserve"],
  "timestamp": "2025-03-17T00:00:00.000Z"
}

Score Guide

Score	Grade	Meaning
90-100	A / A+	Highly safe — consistent growth, strong coverage
75-89	B / B+	Safe — solid fundamentals
50-74	C	Moderate risk — some sustainability concerns
25-49	D	Elevated risk — cut possible in downturn
0-24	F	High cut risk — unsustainable payout

Risk Flags

• HIGH_PAYOUT_RATIO — Payout ratio > 90%
• PAYOUT_EXCEEDS_EARNINGS — Dividends exceed earnings (ratio > 100%)
• NO_DIVIDEND_GROWTH — No consecutive growth years detected
• NEGATIVE_EARNINGS_YEARS — Company had loss years in the analysis window
• HIGH_DEBT_LOAD — Debt-to-earnings ratio > 6x

Data Sources

• SEC EDGAR — data.sec.gov/api/xbrl/companyfacts — Annual 10-K filings for EPS, dividends, long-term debt
• FRED (Federal Reserve) — api.stlouisfed.org — Fed funds rate for macro context

All data is fetched in real time from official public APIs. No third-party data providers or subscriptions required.

Pricing

Pay-per-event: $0.05 per ticker analyzed.

Analyzing 10 tickers = $0.50. Batch input supported — pass comma-separated tickers.

Example: Batch Analysis

{
  "ticker": "JNJ,KO,PG,MMM,T",
  "years": 5
}

Returns one result per ticker, each with full score breakdown and flags.

Limitations

• Requires SEC EDGAR CIK lookup — works for US-listed companies with 10-K filings
• Funded ratio data comes from annual 10-K filings; REITs and MLPs may show distorted payout ratios by design
• FRED macro context uses national-level rates, not company-specific

About

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