{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "6a395b4a-5e3d-4c05-b2bd-339026af6208",
    "symbol": "EJFI",
    "name": "EJF Investments Limited",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Asset Management",
    "chart_url": "https://sharemaestro.com/terminal/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "6a395b4a-5e3d-4c05-b2bd-339026af6208",
      "symbol": "EJFI",
      "name": "EJF Investments Limited",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Asset Management",
      "chart_url": "https://sharemaestro.com/terminal/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "EJFI.L",
    "market_cap": 75514320.0,
    "market_cap_usd": 7522387971.0,
    "price": 130.0,
    "currency": "GBP",
    "dividend_yield": 0.0874,
    "dividend_years": 9,
    "dividend_growth_5y": 0.0,
    "dividend_cut_5y": false,
    "payout_ratio": 1.3718,
    "net_income": 4753093.0,
    "free_cash_flow": 19308061.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.20927,
    "revenue_growth_5y": -0.31692461,
    "net_margin": 0.56051,
    "roe": 0.0487,
    "pe_ratio": 16.25,
    "price_vs_ma": 0.02336614,
    "return_3y": 0.19060008,
    "return_5y": 0.02026451,
    "max_drawdown": -0.31498144,
    "scores": {
      "dividend_reliability": 19.2,
      "dividend_sustainability": 13.0,
      "business_quality": 18.0,
      "valuation": 12.0,
      "trend": 15.0,
      "total": 77.2,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Payout ratio is elevated at 137.2%.",
      "Dividend yield is unusually high at 8.7%; possible value trap."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/",
      "chart": "https://sharemaestro.com/terminal/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 19.2,
    "dividend_sustainability": 13.0,
    "business_quality": 18.0,
    "valuation": 12.0,
    "trend": 15.0,
    "total": 77.2,
    "confidence": 100.0
  },
  "warnings": [
    "Payout ratio is elevated at 137.2%.",
    "Dividend yield is unusually high at 8.7%; possible value trap."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend review warning",
      "detail": "Dividend yield is unusually high at 8.7%; possible value trap.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2026-05-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.862 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.8625,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2026-02-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "Dividend increased 7.0%",
      "detail": "Payment changed from 2.675 to 2.862.",
      "amount": 2.8625,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2026-02-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.862 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.8625,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2025-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2025-05-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2025-02-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2024-11-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2024-08-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2024-05-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2024-02-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2023-11-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2023-08-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "EJFI dividend payment 2.675 GBP",
      "detail": "Recorded dividend payment for EJF Investments Limited.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    },
    {
      "event_date": "2019-02-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "EJFI",
      "exchange": "LSE",
      "headline": "Dividend increased 7.0%",
      "detail": "Payment changed from 2.5 to 2.675.",
      "amount": 2.675,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6a395b4a-5e3d-4c05-b2bd-339026af6208/"
    }
  ]
}