{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4",
    "symbol": "LRE",
    "name": "Lancashire Holdings Limited",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Specialty",
    "chart_url": "https://sharemaestro.com/terminal/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4",
      "symbol": "LRE",
      "name": "Lancashire Holdings Limited",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Specialty",
      "chart_url": "https://sharemaestro.com/terminal/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "LRE.L",
    "market_cap": 1503870336.0,
    "market_cap_usd": 146384791623.5,
    "price": 620.0,
    "currency": "GBP",
    "dividend_yield": 0.0289,
    "dividend_years": 17,
    "dividend_growth_5y": 0.51425043,
    "dividend_cut_5y": true,
    "payout_ratio": 0.20729999,
    "net_income": 293400000.0,
    "free_cash_flow": 318700000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.31617,
    "revenue_growth_5y": 0.33934965,
    "net_margin": 0.18778,
    "roe": 0.19543,
    "pe_ratio": 7.0454545,
    "price_vs_ma": 0.01841934,
    "return_3y": 0.1578858,
    "return_5y": -0.01150587,
    "max_drawdown": -0.55733938,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 20.0,
      "business_quality": 25.0,
      "valuation": 13.0,
      "trend": 5.0,
      "total": 79.5,
      "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 USD.",
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/",
      "chart": "https://sharemaestro.com/terminal/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 20.0,
    "business_quality": 25.0,
    "valuation": 13.0,
    "trend": 5.0,
    "total": 79.5,
    "confidence": 100.0
  },
  "warnings": [
    "Price currency GBP differs from financial currency USD.",
    "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": "LRE",
      "exchange": "LSE",
      "headline": "LRE 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/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2026-05-14",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "Dividend cut -67.6%",
      "detail": "Payment changed from 37 to 12.",
      "amount": 12.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2026-05-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 12 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 12.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2026-03-19",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "Dividend decreased -35.1%",
      "detail": "Payment changed from 57 to 37.",
      "amount": 37.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2026-03-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 37 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 37.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-11-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "Dividend increased 850.0%",
      "detail": "Payment changed from 6 to 57.",
      "amount": 57.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-11-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 57 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 57.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 12 to 6.",
      "amount": 6.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 6 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 6.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-05-15",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "Dividend decreased -40.0%",
      "detail": "Payment changed from 20 to 12.",
      "amount": 12.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-05-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 12 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 12.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-03-13",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "Dividend cut -65.5%",
      "detail": "Payment changed from 58 to 20.",
      "amount": 20.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2025-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 20 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 20.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2024-11-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 58 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 58.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2024-08-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 5.82 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 5.8196,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2024-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 11.97 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 11.970301,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 39.2 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 39.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2023-11-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 40.23 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 40.23,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    },
    {
      "event_date": "2023-08-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LRE",
      "exchange": "LSE",
      "headline": "LRE dividend payment 3.931 GBP",
      "detail": "Recorded dividend payment for Lancashire Holdings Limited.",
      "amount": 3.9311,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a71f4fac-ae7b-485c-9ee4-0ba6438bbcb4/"
    }
  ]
}