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

Built by NtriqPRO — financial data intelligence tools for Apify Store.

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Disclaimer

RISK ASSESSMENT DISCLAIMER: This tool provides data-driven risk analysis based on publicly available and curated sources. Assessments are indicative only and NOT professional risk management advice. You must engage qualified professionals (risk managers, insurance brokers, compliance officers) to validate findings before making investment or operational decisions. Risk scores do not constitute investment advice or due diligence completion. We assume no liability for business decisions based on this tool's output.