dividend sustainability analyzer
Assess dividend safety and sustainability using a structured, evidence-based scoring framework.
$5
Works with the AI tools you already use
Claude Code
Cursor
Codex CLI
GitHub Copilot
Gemini CLI+20 moreClaude CodeCursorCodex CLIGitHub CopilotGemini CLI
OpenClaw
Manus
Grok+17 agentsdividend sustainability analyzer
Example session with this skill installed
Is the 7% dividend for Realty Income (O) sustainable? I see a payout ratio of 72% based on AFFO, but I'm worried about rising interest rates affecting their debt.
- Read your context and instructions
- Compiled the dividend sustainability analyzer
- Generated the document
I have analyzed the sustainability of Realty Income's (O) dividend based on the AFFO payout ratio and debt concerns provided.
1. Decision Snapshot
The current evidence supports a sustainable dividend, as the 72% AFFO payout ratio provides a sufficient cushion for a REIT. However, the impact of refinancing debt at higher interest rates remains a hypothesis that requires monitoring of the weighted average cost of capital (WACC).
2. Inputs & Assumptions
| Item | Value | Status |
|---|---|---|
| Company | Realty Income (O) | Verified |
| AFFO Payout Ratio | 72% | Supported |
| Sector | Retail REIT | Verified |
| Interest Rate Risk | Rising Rates | Hypothesis |
| Dividend History | 600+ consecutive months | Verified |
3. Analysis
| Dimension | Score 0–5 | Evidence | Why It Matters |
|---|---|---|---|
| Earnings Payout | 4 | 72% AFFO ratio is conservative for the REIT sector. | Prevents capital erosion. |
| Debt Burden | 3 | High absolute debt, but staggered maturities. | Interest costs can eat into AFFO. |
| Dividend History | 5 | "Dividend Aristocrat" status with monthly increases. | Signals management commitment. |
| Capital Needs | 3 | Requires constant acquisition for growth. | Competes with dividend for cash. |
4. Key Risks / Gaps
- Refinancing Risk: Significant debt maturities in the next 24 months could raise interest expense.
- Tenant Credit Quality: Macroeconomic downturns affecting top retail tenants.
- Cap Rate Compression: Ability to find accretive deals if borrowing costs rise faster than rents.
5. Recommended Next Move
Primary Action: Review the most recent 10-Q filing to identify the specific debt maturity schedule for 2025 and 2026.
Supporting Actions:
- Compare the current debt-to-EBITDA ratio against the 5-year historical average.
- Verify the occupancy rate trend across the top 10 tenants.
6. Validation Plan
| Question | Evidence Needed | Cheapest Test | Pass Signal |
|---|---|---|---|
| Can they grow AFFO? | Next quarter guidance | Read earnings press release | Upward revision of AFFO |
| Is debt manageable? | WACC vs. Acquisition Cap Rate | Calculate spread | Spread > 150 basis points |
7. What Would Change the Conclusion
A sustained AFFO payout ratio exceeding 90% or a significant credit downgrade of a top 5 tenant (e.g., Walgreens) would shift this analysis to a 'High Risk' status.
Next steps
- Check the debt maturity schedule in the latest quarterly report.
- Monitor the spread between acquisition cap rates and current borrowing costs.
dividend-sustainability-analyzer.pdf
PDF · document
Example file from a real run - the skill writes it into your workspace.
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What you get
About this skill
The problem
Retail investors often struggle to separate high-yield opportunities from "dividend traps." Analyzing payout sustainability requires manually aggregating fragmented data across cash flow statements, debt obligations, and management guidance.
What it does
- Calculates earnings and free-cash-flow payout ratios to assess immediate dividend coverage.
- Evaluates balance sheet health by cross-referencing debt burdens with capital expenditure needs.
- Scores eight material dimensions of dividend safety, from cyclicality to historical policy evidence.
- Identifies high-impact uncertainties and defines the specific evidence needed to resolve them.
Why this beats prompting it yourself
General LLMs often hallucinate financial data or provide vague "on the one hand" summaries. This skill enforces a strict evidence ledger that separates verified facts from hypotheses and applies a standardized scoring framework to prevent analytical bias.
Use cases
- Vetting high-yield stocks to determine if a payout cut is imminent.
- Comparing the dividend safety profiles of two competing companies in the same sector.
- Onboarding beginners to income investing by translating complex financial jargon into actionable risk scores.
Known limitations
Does not provide personalized investment advice or guaranteed returns. Requires manual input of financial figures if live research tools are unavailable.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
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- 2
Unzip into your skills folder
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- 3
Ask your agent to use it
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