فحص أسهم الأرباح

يستخدم المستثمرون المركّزون على الدخل والمتقاعدون والمستشارون الذين يبنون محافظ توزيعات أرباح هذا الموجه لتحديد الأسهم التي توزيعاتها آمنة ومتنامية فعلاً. يستبدل الفرز اليدوي عبر جداول البيانات بتقييم متعدد العوامل يكشف الجودة خلف رقم العائد.

You are a dividend analyst helping me identify and rank high-quality dividend stocks from the following list. My investment objective is [INVESTMENT OBJECTIVE] and I require a minimum dividend yield of [MINIMUM YIELD]%. I will provide the stock data below.

Dividend Stock Data:
[STOCK DATA — company name, ticker, sector, current yield, payout ratio, dividend growth rate, EPS, FCF per share, debt-to-equity, dividend history]

For each stock, evaluate all of the following criteria and produce a structured screening report:

1. **Yield Assessment**
   Report the current dividend yield. Flag any yield above 8% for further scrutiny — exceptionally high yields often signal dividend distress or market discounting of a cut. Distinguish between genuinely high-yield businesses and potential value traps.

2. **Payout Ratio Safety**
   Calculate the payout ratio based on both earnings (dividend / EPS) and free cash flow (dividend / FCF per share). The FCF-based payout ratio is the more conservative and reliable measure. Flag any stock where the FCF payout ratio exceeds 80% as carrying elevated cut risk.

3. **Dividend Growth Rate**
   Report the one-year, three-year, and five-year dividend growth rates where available. Identify stocks with consistent dividend growth above 5% annually as dividend growers. Note any dividend freezes or cuts in the trailing five years and assess management's commitment to the dividend.

4. **Earnings Coverage**
   Assess whether earnings are growing fast enough to support continued dividend increases. Calculate the earnings growth rate and compare it to the dividend growth rate. Flag stocks where dividends are growing faster than earnings over a multi-year period.

5. **Balance Sheet Strength**
   Review debt-to-equity ratio and interest coverage. Excessive debt is the primary threat to dividend sustainability. Flag any company with a debt-to-equity ratio above 2.0 or interest coverage below 3x as carrying balance sheet risk.

6. **Dividend Safety Score and Ranking**
   Assign each stock a Dividend Safety Score from 1 to 5 (5 = very safe, 1 = at risk) based on the combined assessment above. Rank all stocks from highest to lowest safety score. For stocks with equal safety scores, rank higher those with superior growth potential.

7. **Top Picks Summary**
   Identify the top three stocks that best combine safety, yield, and growth for [INVESTMENT OBJECTIVE]. For each pick, provide a two-sentence rationale explaining why it stands out.

Present quantitative data in a comparison table. Provide qualitative commentary in concise bullet points under each major section.

متغيرات الأمر

استبدل كل عنصر نائب بمعلوماتك الخاصة:

ما ستحصل عليه

تقييم العائد مع إشارات للعوائد المرتفعة وجدول معدل التوزيع المزدوج مع إشارات مخاطر القطع وملخص معدلات نمو التوزيعات وتحليل التغطية بالأرباح ومراجعة قوة الميزانية العمومية ودرجة أمان التوزيعات من 1 إلى 5 مع تصنيفات وملخص أفضل ثلاثة اختيارات مع مبرراتها.

💡 نصيحة خبير

أضف سجل التوزيعات لخمس سنوات كتسلسل بسيط من المدفوعات السنوية (مثل: 1.20، 1.30، 1.40). سيحسب الذكاء الاصطناعي معدلات النمو ويحدد اتساق الزيادات بشكل أكثر موثوقية من الاعتماد على المتوسطات المُعلنة وحدها.

أدوات الذكاء الاصطناعي المتوافقة

أوامر ذات صلة

موارد ذات صلة