What problem does it solve? Evaluating whether a company's dividend is sustainable and attractive enough to justify a portfolio position requires disciplined analysis of payout coverage, cash flow quality, balance sheet strength, and valuation—work that is easy to do superficially and hard to do rigorously. ## Core Features & Use Cases - Dividend Sustainability Analysis: Traces distributable cash through payout ratios, FCF coverage, debt maturity structure, and industry-specific metrics (FFO for REITs, CET1 for banks, NII for BDCs). - Classification & Verdict Gates: Classifies securities as core income, opportunistic income, yield trap, or unsuitable, with veto gates for uncovered payouts, refinancing risk, and structural decline. - Scenario & Portfolio Fit Testing: Builds base/adverse/severe scenarios with explicit dividend-cut stress tests, plus concentration and monthly income calendar checks against portfolio context. - Use Case: Ask whether a high-yield stock like a telecom or REIT deserves a core income position, and receive an audited 18-section report with a scorecard, verdict, and monitoring criteria. ## Quick Start Ask the agent to run an income investment analysis on a company, for example: analyze whether AT&T qualifies as a core income holding for my dividend portfolio.
