home / skills / louloulin / claude-agent-sdk / dividend-investing

dividend-investing skill

Q: What does the composite score represent?

The composite score combines normalized sub-scores for yield, safety, growth, and sustainability to provide a single comparative metric (0–100). Higher is generally better but interpret with context.

Q: Why can a high dividend yield be dangerous?

An unusually high yield often signals a falling share price or payout stress. It may indicate temporary boosts or payouts funded by debt, so check payout ratio and free cash flow coverage before assuming sustainability.

/.claude/skills/dividend-investing

This skill evaluates dividend investing opportunities by analyzing yield, safety, growth, and sustainability to optimize portfolio income and returns.

npx playbooks add skill louloulin/claude-agent-sdk --skill dividend-investing

Review the files below or copy the command above to add this skill to your agents.

Files (1)

SKILL.md

1.5 KB

---
name: dividend-investing
description: 分析股息投资机会,评估股息安全性、增长潜力和收益率。当用户询问股息、分红、红利投资或股息率时使用。支持快速筛选、深度分析和组合优化。
version: 1.0.0
author: InvestIntel AI Team
tags:
  - dividend-investing
  - income-investing
  - yield-analysis
  - passive-income
---

# 股息投资分析

评估股息投资机会,平衡当前收益与未来增长。

## 核心指标

1. **股息率** - 年度股息/股价
2. **股息支付率** - 股息/盈利 (建议<70%)
3. **股息增长** - 连续增长年数
4. **自由现金流覆盖率** - FCF/股息 (建议>1.2)

## 分析步骤

1. 计算当前股息率
2. 评估支付安全性(支付率、FCF覆盖)
3. 检查增长历史(连续年数、CAGR)
4. 评估可持续性(行业、护城河)
5. 计算综合得分

## 评分标准 (0-100分)

- **收益率** (0-25分): >6%优秀,4-6%良好,2-4%一般
- **安全性** (0-35分): 支付率<50%优秀,<70%良好
- **增长性** (0-25分): 连续>10年优秀,>5年良好
- **可持续性** (0-15分): 护城河评分

## 风险提示

- ⚠️ 高股息率可能暗示经营困难
- ⚠️ 检查股息是否来自借款
- ⚠️ 周期行业股息不稳定

## 工具和详细文档

- 📁 [详细分析框架](./detailed-analysis.md)
- 📁 [股息筛选标准](./screening-criteria.md)
- 📁 [Rust实现参考](./reference-implementation.md)
- 🔧 [dividend_analyzer.py](./scripts/dividend_analyzer.py) - 股息分析工具

Overview

This skill analyzes dividend investing opportunities to balance current income with long-term growth. It evaluates yield, payout safety, dividend growth history, and cash-flow coverage to produce a composite score and actionable recommendations. The skill is implemented as a Rust-based agent module for fast screening and deeper portfolio optimization. It’s designed for investors who want structured, repeatable dividend analysis.

How this skill works

The skill computes core metrics: dividend yield, payout ratio, dividend growth (years and CAGR), and free-cash-flow coverage. It scores each stock across yield, safety, growth, and sustainability to create a 0–100 composite. Users can run quick screens, request deep dives on individual tickers, or get portfolio-level optimization suggestions that balance yield and risk. Results include warnings for common red flags like unsustainably high yields or payout funded by debt.

When to use it

When screening for high-yield dividend candidates
To validate dividend safety before buying a position
When assessing dividend growth and compounding potential
To rebalance a portfolio for income versus growth trade-offs
Before adding cyclical or unusually high-yield stocks to a dividend portfolio

Best practices

Check payout ratio and free cash flow coverage together rather than yield alone
Require at least several years of consistent dividend growth for growth-focused strategies
Adjust minimum safety thresholds by sector—utilities vs tech differ
Watch for large one-time special dividends or debt-funded payouts
Use the composite score as a starting point, then perform qualitative checks on management and competitive moat

Example use cases

Quickly screen an ETF or watchlist for stocks with yield >4% and payout ratio <70%
Run a deep analysis of a single ticker to get yield, payout, FCF coverage, growth CAGR, and composite score
Compare two income portfolios by aggregate safety and expected forward yield
Optimize a portfolio target that raises average yield while keeping safety score above a set threshold
Flag holdings where dividend appears unsupported by operating cash flow

FAQ

What does the composite score represent?

The composite score combines normalized sub-scores for yield, safety, growth, and sustainability to provide a single comparative metric (0–100). Higher is generally better but interpret with context.

Why can a high dividend yield be dangerous?

An unusually high yield often signals a falling share price or payout stress. It may indicate temporary boosts or payouts funded by debt, so check payout ratio and free cash flow coverage before assuming sustainability.