{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "486cd886-4110-4880-b8a8-81456f9015a9",
    "symbol": "NWG",
    "name": "NatWest Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/486cd886-4110-4880-b8a8-81456f9015a9/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "486cd886-4110-4880-b8a8-81456f9015a9",
      "symbol": "NWG",
      "name": "NatWest Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "NWG.L",
    "market_cap": 48891879424.0,
    "market_cap_usd": 4728547115549.219,
    "price": 614.200012,
    "currency": "GBP",
    "dividend_yield": 0.0553,
    "dividend_years": 24,
    "dividend_growth_5y": -0.01227551,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4656,
    "net_income": 5831000000.0,
    "free_cash_flow": 5790000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.68609592,
    "revenue_growth_5y": 0.07547187,
    "net_margin": 0.36877,
    "roe": 0.14072,
    "pe_ratio": 8.774286,
    "price_vs_ma": 0.01460371,
    "return_3y": 1.68455659,
    "return_5y": 1.75529179,
    "max_drawdown": -0.40968698,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 18.5,
      "business_quality": 24.0,
      "valuation": 13.0,
      "trend": 13.5,
      "total": 80.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/",
      "chart": "https://sharemaestro.com/terminal/486cd886-4110-4880-b8a8-81456f9015a9/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 18.5,
    "business_quality": 24.0,
    "valuation": 13.0,
    "trend": 13.5,
    "total": 80.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2026-03-19",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "Dividend increased 142.1%",
      "detail": "Payment changed from 9.5 to 23.",
      "amount": 23.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2026-03-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 23 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 23.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2025-08-07",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "Dividend decreased -38.7%",
      "detail": "Payment changed from 15.5 to 9.5.",
      "amount": 9.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2025-08-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 9.5 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 9.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2025-03-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "Dividend increased 158.3%",
      "detail": "Payment changed from 6 to 15.5.",
      "amount": 15.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2025-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 15.5 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 15.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2024-08-08",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "Dividend decreased -47.8%",
      "detail": "Payment changed from 11.5 to 6.",
      "amount": 6.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2024-08-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 6 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 6.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "Dividend increased 109.1%",
      "detail": "Payment changed from 5.5 to 11.5.",
      "amount": 11.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 11.5 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 11.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2023-08-10",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "Dividend decreased -45.0%",
      "detail": "Payment changed from 10 to 5.5.",
      "amount": 5.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2023-08-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 5.5 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 5.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2023-03-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 10 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 10.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2022-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 16.8 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 16.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 3.769 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 3.7691998,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2022-03-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 8.077 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 8.0769005,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2021-08-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 3.231 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 3.2308002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    },
    {
      "event_date": "2021-03-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NWG",
      "exchange": "LSE",
      "headline": "NWG dividend payment 3.231 GBP",
      "detail": "Recorded dividend payment for NatWest Group plc.",
      "amount": 3.2308002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/486cd886-4110-4880-b8a8-81456f9015a9/"
    }
  ]
}