{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "4ea4e209-f16b-4e32-8bb9-da616a1e26a0",
    "symbol": "AIBG",
    "name": "AIB Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "4ea4e209-f16b-4e32-8bb9-da616a1e26a0",
      "symbol": "AIBG",
      "name": "AIB Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "AIBG.L",
    "market_cap": 18595772416.0,
    "market_cap_usd": 1851086098648.0,
    "price": 876.0,
    "currency": "GBP",
    "dividend_yield": 0.0942,
    "dividend_years": 5,
    "dividend_growth_5y": 0.19421892,
    "dividend_cut_5y": true,
    "payout_ratio": 0.52849996,
    "net_income": 2141000000.0,
    "free_cash_flow": 8268000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.75159842,
    "revenue_growth_5y": 0.15694816,
    "net_margin": 0.49343,
    "roe": 0.14204,
    "pe_ratio": 10.8148155,
    "price_vs_ma": 0.08656093,
    "return_3y": 1.7263212,
    "return_5y": 3.51549872,
    "max_drawdown": -0.33540403,
    "scores": {
      "dividend_reliability": 10.75,
      "dividend_sustainability": 20.0,
      "business_quality": 24.0,
      "valuation": 12.0,
      "trend": 15.0,
      "total": 81.75,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency GBP differs from financial currency EUR.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Dividend yield is unusually high at 9.4%; possible value trap."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/",
      "chart": "https://sharemaestro.com/terminal/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 10.75,
    "dividend_sustainability": 20.0,
    "business_quality": 24.0,
    "valuation": 12.0,
    "trend": 15.0,
    "total": 81.75,
    "confidence": 100.0
  },
  "warnings": [
    "Price currency GBP differs from financial currency EUR.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Dividend yield is unusually high at 9.4%; possible value trap."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend review warning",
      "detail": "Dividend yield is unusually high at 9.4%; possible value trap.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2026-03-26",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "Dividend increased 275.2%",
      "detail": "Payment changed from 10.64 to 39.91.",
      "amount": 39.910076,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2026-03-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 39.91 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 39.910076,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2025-08-21",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "Dividend cut -66.7%",
      "detail": "Payment changed from 31.91 to 10.64.",
      "amount": 10.636476,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2025-08-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 10.64 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 10.636476,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2025-03-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "Dividend increased 39.2%",
      "detail": "Payment changed from 22.92 to 31.91.",
      "amount": 31.909424,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2025-03-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 31.91 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 31.909424,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2024-03-21",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "Dividend increased 328.5%",
      "detail": "Payment changed from 5.349 to 22.92.",
      "amount": 22.922604,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2024-03-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 22.92 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 22.922604,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2023-03-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "Dividend increased 37.8%",
      "detail": "Payment changed from 3.883 to 5.349.",
      "amount": 5.349298,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2023-03-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 5.349 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 5.349298,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2022-03-31",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "Dividend cut -73.5%",
      "detail": "Payment changed from 14.67 to 3.883.",
      "amount": 3.882555,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2022-03-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 3.883 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 3.882555,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    },
    {
      "event_date": "2019-03-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "AIBG",
      "exchange": "LSE",
      "headline": "AIBG dividend payment 14.67 GBP",
      "detail": "Recorded dividend payment for AIB Group plc.",
      "amount": 14.66743,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4ea4e209-f16b-4e32-8bb9-da616a1e26a0/"
    }
  ]
}