{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "145621b3-558a-4384-a7ea-144d4b1e8d51",
    "symbol": "RECI",
    "name": "Real Estate Credit Investments Limited",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Asset Management",
    "chart_url": "https://sharemaestro.com/terminal/145621b3-558a-4384-a7ea-144d4b1e8d51/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "145621b3-558a-4384-a7ea-144d4b1e8d51",
      "symbol": "RECI",
      "name": "Real Estate Credit Investments Limited",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Asset Management",
      "chart_url": "https://sharemaestro.com/terminal/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "RECI.L",
    "market_cap": 257516256.0,
    "market_cap_usd": 25641104580.0,
    "price": 116.5,
    "currency": "GBP",
    "dividend_yield": 0.02575107,
    "dividend_years": 20,
    "dividend_growth_5y": 0.0,
    "dividend_cut_5y": false,
    "payout_ratio": 1.3953,
    "net_income": 22817000.0,
    "free_cash_flow": -10687000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 0.3414,
    "revenue_growth_5y": 0.02438546,
    "net_margin": 0.61742,
    "roe": 0.06014,
    "pe_ratio": 12.944444,
    "price_vs_ma": -0.03987842,
    "return_3y": -0.06907746,
    "return_5y": -0.20122298,
    "max_drawdown": -0.27830474,
    "scores": {
      "dividend_reliability": 20.0,
      "dividend_sustainability": 3.0,
      "business_quality": 23.0,
      "valuation": 15.0,
      "trend": 4.0,
      "total": 65.0,
      "confidence": 92.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Payout ratio is elevated at 139.5%.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/",
      "chart": "https://sharemaestro.com/terminal/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 20.0,
    "dividend_sustainability": 3.0,
    "business_quality": 23.0,
    "valuation": 15.0,
    "trend": 4.0,
    "total": 65.0,
    "confidence": 92.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Payout ratio is elevated at 139.5%.",
    "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": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2026-03-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2025-12-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2025-09-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2025-07-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2025-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2024-12-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2024-09-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2024-07-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2023-12-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2023-09-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2023-07-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "RECI dividend payment 3 GBP",
      "detail": "Recorded dividend payment for Real Estate Credit Investments Limited.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2017-06-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "Dividend increased 11.1%",
      "detail": "Payment changed from 2.7 to 3.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2016-08-18",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "Dividend decreased -22.9%",
      "detail": "Payment changed from 3.5 to 2.7.",
      "amount": 2.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2016-06-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "Dividend increased 29.6%",
      "detail": "Payment changed from 2.7 to 3.5.",
      "amount": 3.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2014-06-25",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "Dividend increased 17.4%",
      "detail": "Payment changed from 2.3 to 2.7.",
      "amount": 2.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2014-02-26",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "Dividend decreased -32.4%",
      "detail": "Payment changed from 3.4 to 2.3.",
      "amount": 2.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    },
    {
      "event_date": "2013-11-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "RECI",
      "exchange": "LSE",
      "headline": "Dividend increased 47.8%",
      "detail": "Payment changed from 2.3 to 3.4.",
      "amount": 3.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/145621b3-558a-4384-a7ea-144d4b1e8d51/"
    }
  ]
}