{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "fe5154f8-b870-4f40-a363-7ecbda8e09bd",
    "symbol": "SDLF",
    "name": "Standard Life plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Life",
    "chart_url": "https://sharemaestro.com/terminal/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "fe5154f8-b870-4f40-a363-7ecbda8e09bd",
      "symbol": "SDLF",
      "name": "Standard Life plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Life",
      "chart_url": "https://sharemaestro.com/terminal/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "SDLF.L",
    "market_cap": 7925663232.0,
    "market_cap_usd": 760502931573.0,
    "price": 791.0,
    "currency": "GBP",
    "dividend_yield": 0.0715,
    "dividend_years": 16,
    "dividend_growth_5y": 0.0316878,
    "dividend_cut_5y": false,
    "payout_ratio": 0.5115,
    "net_income": -443000000.0,
    "free_cash_flow": -1003000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 5.87461,
    "revenue_growth_5y": 0.38071146,
    "net_margin": -0.0153,
    "roe": -0.22272,
    "pe_ratio": null,
    "price_vs_ma": 0.08041167,
    "return_3y": 0.49601096,
    "return_5y": 0.18152816,
    "max_drawdown": -0.43183502,
    "scores": {
      "dividend_reliability": 23.5,
      "dividend_sustainability": 7.0,
      "business_quality": 13.0,
      "valuation": 10.0,
      "trend": 13.5,
      "total": 67.0,
      "confidence": 96.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 5.87."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/",
      "chart": "https://sharemaestro.com/terminal/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 23.5,
    "dividend_sustainability": 7.0,
    "business_quality": 13.0,
    "valuation": 10.0,
    "trend": 13.5,
    "total": 67.0,
    "confidence": 96.0
  },
  "warnings": [
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 5.87."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend review warning",
      "detail": "Debt to equity is elevated at 5.87.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2026-04-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 28.05 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 28.05,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2025-09-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 27.35 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 27.35,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2025-04-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 27.35 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 27.35,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2024-10-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 26.65 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 26.65,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 26.65 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 26.65,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2023-09-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 26 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 26.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2023-03-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 26 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 26.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 24.8 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 24.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2022-03-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 24.8 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 24.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2021-08-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 24.1 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 24.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2021-04-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 24.1 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 24.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2020-08-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "SDLF dividend payment 23.4 GBP",
      "detail": "Recorded dividend payment for Standard Life plc.",
      "amount": 23.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2017-09-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "Dividend increased 5.0%",
      "detail": "Payment changed from 21.49 to 22.57.",
      "amount": 22.5713,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2017-03-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 20.42 to 21.49.",
      "amount": 21.492199,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2013-04-03",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "Dividend increased 30.4%",
      "detail": "Payment changed from 15.66 to 20.42.",
      "amount": 20.4201,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2011-09-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "Dividend increased 15.9%",
      "detail": "Payment changed from 13.51 to 15.66.",
      "amount": 15.657701,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2011-04-06",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "Dividend decreased -13.7%",
      "detail": "Payment changed from 15.66 to 13.51.",
      "amount": 13.509307,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    },
    {
      "event_date": "2010-09-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SDLF",
      "exchange": "LSE",
      "headline": "Dividend increased 41.0%",
      "detail": "Payment changed from 11.1 to 15.66.",
      "amount": 15.657701,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/fe5154f8-b870-4f40-a363-7ecbda8e09bd/"
    }
  ]
}