{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "f380d20f-6bfb-4595-ac28-1917afcada20",
    "symbol": "ARBB",
    "name": "Arbuthnot Banking Group PLC",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/f380d20f-6bfb-4595-ac28-1917afcada20/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "f380d20f-6bfb-4595-ac28-1917afcada20",
      "symbol": "ARBB",
      "name": "Arbuthnot Banking Group PLC",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ARBB.L",
    "market_cap": 136271376.0,
    "market_cap_usd": 13708737840.0,
    "price": 835.0,
    "currency": "GBP",
    "dividend_yield": 0.0646,
    "dividend_years": 32,
    "dividend_growth_5y": 0.05976917,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4675,
    "net_income": 17810000.0,
    "free_cash_flow": 618007000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.35072251,
    "revenue_growth_5y": 0.1207419,
    "net_margin": 0.10392001,
    "roe": 0.06556001,
    "pe_ratio": 7.6605506,
    "price_vs_ma": -0.03767397,
    "return_3y": -0.11017918,
    "return_5y": -0.16287054,
    "max_drawdown": -0.38758072,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 20.0,
      "business_quality": 21.0,
      "valuation": 13.0,
      "trend": 2.5,
      "total": 73.0,
      "confidence": 100.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "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/f380d20f-6bfb-4595-ac28-1917afcada20/",
      "chart": "https://sharemaestro.com/terminal/f380d20f-6bfb-4595-ac28-1917afcada20/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 20.0,
    "business_quality": 21.0,
    "valuation": 13.0,
    "trend": 2.5,
    "total": 73.0,
    "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": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB 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/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2026-04-16",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "Dividend increased 40.9%",
      "detail": "Payment changed from 22 to 31.",
      "amount": 31.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2026-04-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 31 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 31.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "Dividend decreased -24.1%",
      "detail": "Payment changed from 29 to 22.",
      "amount": 22.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 22 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 22.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2025-04-17",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "Dividend decreased -27.5%",
      "detail": "Payment changed from 40 to 29.",
      "amount": 29.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2025-04-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 29 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 29.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2024-06-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "Dividend increased 48.1%",
      "detail": "Payment changed from 27 to 40.",
      "amount": 40.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2024-06-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 40 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 40.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2024-04-18",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "Dividend increased 42.1%",
      "detail": "Payment changed from 19 to 27.",
      "amount": 27.000002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2024-04-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 27 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 27.000002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "Dividend decreased -24.0%",
      "detail": "Payment changed from 25 to 19.",
      "amount": 19.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 19 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 19.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2023-04-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 25 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 25.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 17 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 17.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2022-04-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 22 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 22.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2021-08-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 16 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 16.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2021-02-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 21 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 21.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    },
    {
      "event_date": "2019-07-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ARBB",
      "exchange": "LSE",
      "headline": "ARBB dividend payment 16 GBP",
      "detail": "Recorded dividend payment for Arbuthnot Banking Group PLC.",
      "amount": 16.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f380d20f-6bfb-4595-ac28-1917afcada20/"
    }
  ]
}