{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "03715ccb-273d-4adf-b6d9-c164f7346844",
    "symbol": "INVP",
    "name": "Investec Group",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Capital Markets",
    "chart_url": "https://sharemaestro.com/terminal/03715ccb-273d-4adf-b6d9-c164f7346844/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "03715ccb-273d-4adf-b6d9-c164f7346844",
      "symbol": "INVP",
      "name": "Investec Group",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Capital Markets",
      "chart_url": "https://sharemaestro.com/terminal/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "INVP.L",
    "market_cap": 4049838848.0,
    "market_cap_usd": 391716065100.0,
    "price": 641.0,
    "currency": "GBP",
    "dividend_yield": 0.0612,
    "dividend_years": 24,
    "dividend_growth_5y": 0.46802589,
    "dividend_cut_5y": false,
    "payout_ratio": 0.5,
    "net_income": 693482000.0,
    "free_cash_flow": -584786000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 0.49539991,
    "revenue_growth_5y": 0.03437917,
    "net_margin": 0.35062,
    "roe": 0.12372,
    "pe_ratio": 8.546666,
    "price_vs_ma": 0.07449381,
    "return_3y": 0.47308742,
    "return_5y": 1.27354566,
    "max_drawdown": -0.3279019,
    "scores": {
      "dividend_reliability": 23.5,
      "dividend_sustainability": 10.0,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 87.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/",
      "chart": "https://sharemaestro.com/terminal/03715ccb-273d-4adf-b6d9-c164f7346844/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 23.5,
    "dividend_sustainability": 10.0,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 87.5,
    "confidence": 100.0
  },
  "warnings": [
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2025-12-11",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "Dividend decreased -12.5%",
      "detail": "Payment changed from 20 to 17.5.",
      "amount": 17.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2025-12-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 17.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 17.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "Dividend increased 21.2%",
      "detail": "Payment changed from 16.5 to 20.",
      "amount": 20.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 20 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 20.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2024-12-12",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "Dividend decreased -13.2%",
      "detail": "Payment changed from 19 to 16.5.",
      "amount": 16.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2024-12-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 16.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 16.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2024-08-22",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "Dividend increased 22.6%",
      "detail": "Payment changed from 15.5 to 19.",
      "amount": 19.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2024-08-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 19 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 19.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2023-12-07",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "Dividend decreased -11.4%",
      "detail": "Payment changed from 17.5 to 15.5.",
      "amount": 15.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2023-12-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 15.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 15.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2023-08-17",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "Dividend increased 29.6%",
      "detail": "Payment changed from 13.5 to 17.5.",
      "amount": 17.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2023-08-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 17.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 17.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2022-12-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 13.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 13.500001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2022-07-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 14 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 14.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2021-12-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 11 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 11.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2021-07-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 7.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 7.5000005,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2020-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 5.5 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 5.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    },
    {
      "event_date": "2019-12-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "INVP",
      "exchange": "LSE",
      "headline": "INVP dividend payment 11 GBP",
      "detail": "Recorded dividend payment for Investec Group.",
      "amount": 11.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/03715ccb-273d-4adf-b6d9-c164f7346844/"
    }
  ]
}