A dividend safety score
From 0 to 100, built on five questions and ten years of figures. One look tells you whether the dividend is likely to hold.
From the hosts of the Dividend Talk podcast
Know if your dividend is safe, and what the shares are worth
Dividend safety ratings for 180+ European and US dividend stocks: a safety score and a fair value for each, all rated with one method so you can compare them side by side.
20 deep dives a yearUpdated when our view changes30-day money-back guarantee
Ahold Delhaize (AD.AS)
Dividend per share by fiscal year
FY2018 · 0.70 EURFY2025 · 1.24 EUR
A few of the companies we rate
A deliberately focused list of quality dividend payers. About 100 are refreshed every year, and member requests help decide which come first.
Why Premium
Built for European dividend investors
Most dividend safety ratings are built for American investors. You live in Europe, but your portfolio probably doesn't stop at the border: Nestlé next to Visa, Ahold Delhaize next to McDonald's. We rate both with the same method, so a Dutch grocer and an American one sit on one scale.
85 stocks listed in Europe99 listed in North AmericaOne method for all of them
A fair value against today's price
Discounted cash flow, dividend discount model and Geraldine Weiss yield bands, so you know when a good company is also a good price.
The dividend policy and credit rating
What management has promised, and how strong the balance sheet is that has to pay for it. Rarely found in one place for European companies.
An update when our view changes
A stock update whenever a score or fair value moves, so you're never relying on an old view.
The work behind the podcast
You know us from the episodes. This is everything behind them.
On the podcast we talk about the companies we like. In Premium you get the full analysis, see what we do with our own money, and follow the stocks you own or watch.
Deep dives
Twenty full reports a year: the business, the dividend, the valuation and the risks, and what we intend to do.
Our own buys and sells
Every transaction and our watchlist in each newsletter, with the reasoning behind them.
My stocks
Add the stocks you own or watch and see our latest view and every dividend announcement on them in one place.
Request a stock card
Missing a company you own or watch? Ask for it: member requests decide which cards we write next.
The course
Learn to read the income statement, the balance sheet and the cash flow statement yourself.
Private Discord
Talk stocks with us and other members between the episodes.
Our method
Five questions behind every safety score
A practical framework from our own investing, built for one goal: a dividend you can rely on, rather than the highest total return. Each stock card answers the questions with ten years of figures and turns them into one dividend safety score from 0 to 100.
The verdict scale
Very Safe
Safe
Questionable
Unsafe
Very Unsafe
Has it raised the dividend through good years and bad?
A record of growing the dividend, counted by fiscal year.
On the stock card: Dividend historyCan the balance sheet carry its debt?
Debt the company can hold without putting the dividend at risk.
On the stock card: Balance sheet trend · Credit ratingIs there room to keep growing?
Earnings and free cash flow with space to rise.
On the stock card: Profit trend · Investment thesisIs the dividend covered by cash?
A payout that earnings and free cash flow can afford.
On the stock card: Payout ratio trend · Cash allocationDoes management stand behind it?
A clear dividend policy and a record of keeping to it.
On the stock card: Dividend policy
Data you can check
A score is only as good as the dividends under it
Many European companies pay an interim and a final dividend, the final only after the year has closed. Add those up by calendar year, as most databases do, and you get jumps and cuts that never happened. We count each payment in the fiscal year it belongs to. New payments are flagged until we've checked them.
Added up by calendar year
Counted by fiscal year, as we do
For US companies the dividend history is usually simpler: one payment each quarter. There the value is the same safety score and fair value, on the same scale as your European stocks.
Who we are
Two investors, sharing their own journey
Between us we cover every sector, and we write and review the stock cards together. We share every buy and sell with members and say after each deep dive what we intend to do.
European DGI
Co-host · European Dividend Growth Investor · investing since 2014
Came up with the stock card approach we both use. Writes 10 deep dives a year, with a soft spot for consumer staples, oil and gas, and insurance.
Derek English
Co-host · investing since 2018
Writes 10 deep dives a year, with a soft spot for industrials, engineering and automation.
Read our story, and how far we are on the way to financial independence
Members
What our members say
★★★★★5 out of 5
The premium newsletter is a rich source of information about dividend growth investing. It's a good mix of in-depth information and up to date news about dividend stocks.
★★★★★5 out of 5
With their Premium service eDGI and Derek have created a "one-stop-shop" for a value based European flavored dividend growth approach to investing for financial freedom.
★★★★★5 out of 5
The premium service has expanded my knowledge of analysing dividend stocks. Stock deep dives have shown me different factors used to evaluate a stock.
Premium keeps the podcast going
Every membership pays for the research behind the show. If you have enjoyed the episodes, joining is the best way to support us.
Try it free: 3 stock cards and 3 deep dives
Plus a full newsletter, sent to your inbox.