{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "3bb7e3d9-3cd0-4987-8585-fd381ef0363e",
    "symbol": "AV",
    "name": "Aviva plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "3bb7e3d9-3cd0-4987-8585-fd381ef0363e",
      "symbol": "AV",
      "name": "Aviva plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "AV.L",
    "market_cap": 18784356352.0,
    "market_cap_usd": 1805677106022.7576,
    "price": 627.799988,
    "currency": "GBP",
    "dividend_yield": 0.0635,
    "dividend_years": 33,
    "dividend_growth_5y": 0.2349585,
    "dividend_cut_5y": true,
    "payout_ratio": 1.3925,
    "net_income": 1033000000.0,
    "free_cash_flow": -2754000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.1212,
    "revenue_growth_5y": 0.19151804,
    "net_margin": 0.03222,
    "roe": 0.10695,
    "pe_ratio": 24.146154,
    "price_vs_ma": -0.01751885,
    "return_3y": 0.62895834,
    "return_5y": 0.53215692,
    "max_drawdown": -0.2101459,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 1.5,
      "business_quality": 20.5,
      "valuation": 15.0,
      "trend": 10.0,
      "total": 63.5,
      "confidence": 92.0
    },
    "rating": "weak",
    "rating_label": "Weak Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Payout ratio is elevated at 139.2%.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/",
      "chart": "https://sharemaestro.com/terminal/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 1.5,
    "business_quality": 20.5,
    "valuation": 15.0,
    "trend": 10.0,
    "total": 63.5,
    "confidence": 92.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Payout ratio is elevated at 139.2%.",
    "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": "AV",
      "exchange": "LSE",
      "headline": "AV dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2026-03-26",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "Dividend increased 100.0%",
      "detail": "Payment changed from 13.1 to 26.2.",
      "amount": 26.199999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2026-03-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 26.2 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 26.199999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "Dividend decreased -45.0%",
      "detail": "Payment changed from 23.8 to 13.1.",
      "amount": 13.099999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 13.1 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 13.099999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2025-04-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "Dividend increased 100.0%",
      "detail": "Payment changed from 11.9 to 23.8.",
      "amount": 23.800001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2025-04-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 23.8 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 23.800001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "Dividend decreased -46.6%",
      "detail": "Payment changed from 22.3 to 11.9.",
      "amount": 11.900001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 11.9 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 11.900001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "Dividend increased 100.9%",
      "detail": "Payment changed from 11.1 to 22.3.",
      "amount": 22.300001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 22.3 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 22.300001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "Dividend decreased -46.4%",
      "detail": "Payment changed from 20.7 to 11.1.",
      "amount": 11.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 11.1 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 11.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2023-03-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 20.7 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 20.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2022-08-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 10.3 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 10.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2022-05-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 102.9 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 102.909996,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2022-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 14.53 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 14.5257,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2021-08-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 7.263 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 7.2627997,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    },
    {
      "event_date": "2021-04-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AV",
      "exchange": "LSE",
      "headline": "AV dividend payment 13.83 GBP",
      "detail": "Recorded dividend payment for Aviva plc.",
      "amount": 13.834,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3bb7e3d9-3cd0-4987-8585-fd381ef0363e/"
    }
  ]
}