Dividend analysis

Skill kuntal-r-d/my-skills/skills/dividend-analysis

Install

npx -y skills add kuntal-r-d/my-skills --skill dividend-analysis

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What its author says it does

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Assesses dividend yield, payout sustainability, and growth for a DSE stock — current/forward yield, payout ratio, FCF coverage, dividend CAGR and consistency — for income-focused investors. Use when the user asks about dividend yield, is the dividend safe/sustainable, payout ratio, dividend growth/streak, income from a stock, or "is GP a good dividend stock" on the Dhaka Stock Exchange.

The file declares its own license as Apache-2.0. That is the author’s claim about this one file, and it is not the same thing as the license GitHub reports for the repository, which is listed with the other numbers below.

SKILL.md

3.5 KB, as published. Nobody here has run it

Dividend Analysis

Prompt-first, pure-prompt skill. No script — compute from the supplied dividend/earnings data.

Role & objective

Judge a dividend's attractiveness and safety, returning a score (−1..+1), confidence and rating.

When to use

"Is GP's dividend safe?", "dividend yield / payout ratio", "dividend growth streak", "income from this stock". Pairs with fundamental-analysis and value-investment-checklist.

Inputs you need

fundamentals — price, annual_dividend/dividend_yield, eps_ttm, payout_ratio, free_cash_flow, debt_to_equity, and a dividend_history[] (years) for growth/consistency.

Method (follow in order)

Yield — current = annual dividend / price; compare to 5-year average and the sector.
Sustainability — payout ratio (div/EPS); FCF coverage (FCF ≥ dividends?); debt burden; earnings stability. High payout (>80%) or FCF not covering it = risk.
Growth — dividend CAGR (1/3/5y), consistency, and streak of non-cut years; correlation with earnings growth.
Income view — total return (price + dividends); projected income.

Scoring rubric

score = clamp(0.4·sustainability + 0.3·yield_attractiveness + 0.3·growth, −1, 1), where sustainability is negative when payout >80% or FCF coverage <1. Rating: ≥0.5 strong_income · ≥0.15 attractive · −0.15..0.15 fair · ≤−0.15 at_risk. Confidence rises with ≥5y history; cut it when payout/coverage data is missing.

Output (emit this Thinking Card)

{ "skill": "dividend-analysis", "ticker": "..", "mode": "investment", "as_of": "..",
  "score": 0.0, "confidence": 0.0, "rating": "strong_income|attractive|fair|at_risk",
  "key_metrics": { "dividend_yield": 0.0, "payout_ratio": 0.0, "fcf_coverage": 0.0,
    "cagr_5y": 0.0, "streak_years": 0 },
  "reasoning": ["..."], "flags": ["missing:payout_ratio?", "payout_above_80pct?"],
  "disclaimer": "Educational analysis only. Not financial advice." }

DSE pitfalls

DSE firms often pay stock dividends/bonus shares, not just cash — separate cash yield from bonus issues; only cash covers income needs.
A very high yield (>10%) often signals a falling price or an unsustainable payout — treat as a warning, not a positive.
Payout >100% of earnings or uncovered by FCF is a red flag even with a long streak.

Optional precision helper

No bundled script — pure-prompt skill. fundamental-analysis and financial-terms-educator provide the underlying ratios and their good/bad bands.

Worked example

Yield 7.3%, payout 88%, FCF coverage 1.1×, 5y CAGR 5%, no cuts → attractive yield but high payout → sustainability modest → score ≈ +0.25 → attractive (watch payout), confidence ≈ 0.65.

References

See financial-terms-educator glossary for dividend-yield/payout bands. Output is educational analysis only, never financial advice.