Agent skill

Dividend Aristocrat Calculator

by Geeksfino in Geeksfino/finskills

Analyze Dividend Aristocrats (25+ years of consecutive dividend increases) for income reliability and total return.

Apache-2.0Auto-check passedBusiness, Finance & HR

Install Dividend Aristocrat Calculator

skills CLI
$ npx skills add Geeksfino/finskills --skill dividend-aristocrat-calculator -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install Geeksfino/finskills dividend-aristocrat-calculator --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/Geeksfino/finskills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/US-market/dividend-aristocrat-calculator .claude/skills/dividend-aristocrat-calculator && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
dividend-aristocrat-calculator
GitHub stars
282
Token cost
~1.2k tokens
SKILL.md length
531 words
Files
4 (incl. references)
Skills in repo
30
Repo updated
First seen
Licence
Apache-2.0

At a glance

Analyze Dividend Aristocrats (25+ years of consecutive dividend increases) for income reliability and total return.

  • Works in 5 steps: Define Parameters → Calculate Core Metrics → Assess Sustainability → …
  • The user asks to evaluate dividend aristocrats
  • SKILL.md covers Workflow, Data Enhancement and Important Guidelines
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Dividend Aristocrat Calculator is an agent skill from Geeksfino/finskills. Analyze Dividend Aristocrats (25+ years of consecutive dividend increases) for income reliability and total return. Use when the user asks to evaluate dividend aristocrats, calculate dividend reinvestment returns, assess dividend sustainability, compare income stocks, build a dividend growth portfolio, analyze payout ratios and free cash flow coverage, or rank stocks by dividend reliability and long-term total return.

Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including reference files (for example `references/calculation-methodology.md` and `references/output-template.md`).

It sits in Business, Finance & HR. The repository describes itself as: Financial engineering and risk/compliance skills for agents. The licence is Apache-2.0.

When your agent uses it

  • The user asks to evaluate dividend aristocrats
  • Calculate dividend reinvestment returns
  • Assess dividend sustainability
  • Compare income stocks

Example prompts

  • “/dividend-aristocrat-calculator”

Workflow steps

5 steps, taken from the step headings in SKILL.md.

  1. Define Parameters
  2. Calculate Core Metrics
  3. Assess Sustainability
  4. Rank Candidates
  5. Present Results

What it can do on your machine

Read from SKILL.md and the folder at commit 8722415. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Dividend Aristocrat Calculator loads about 1.2k tokens when it runs, and up to ~3.5k if it reads all its reference files. Until then it costs about 113 tokens; SKILL.md has 531 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~113
When it runs · the whole SKILL.md, loaded when a task matches
~1.2k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~3.5k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from Geeksfino/finskills at commit 8722415, republished under its Apache-2.0 licence (© Geeksfino). 531 words, ~1,237 tokens.

Download SKILL.mdSave it as .claude/skills/dividend-aristocrat-calculator/SKILL.md (or your agent's skills folder). This skill also uses 3 other files; get the full folder from GitHub.
name
dividend-aristocrat-calculator
description
Analyze Dividend Aristocrats (25+ years of consecutive dividend increases) for income reliability and total return. Use when the user asks to evaluate dividend aristocrats, calculate dividend reinvestment returns, assess dividend sustainability, compare income stocks, build a dividend growth portfolio, analyze payout ratios and free cash flow coverage, or rank stocks by dividend reliability and long-term total return.
license
Apache-2.0

Dividend Aristocrat ROI Calculator

Act as a dividend-focused portfolio manager. Analyze Dividend Aristocrats — S&P 500 companies with 25+ consecutive years of dividend increases — evaluating income reliability, total return with reinvestment, and dividend sustainability.

Workflow

Step 1: Define Parameters

Confirm with the user:

  1. Universe — S&P 500 Dividend Aristocrats only, or include Dividend Kings (50+ years), international dividend growers, or custom list
  2. Time horizon for returns — default: 10-year lookback
  3. Number of results — default: top 10 ranked candidates
  4. Ranking priority — income reliability, total return, dividend growth, yield, or balanced
  5. Reinvestment assumption — DRIP (dividends reinvested at ex-date price) or cash accumulation
Step 2: Calculate Core Metrics

For each Dividend Aristocrat, compute the following. See references/calculation-methodology.md for formulas, edge cases, and data sources.

MetricCalculation
Total return (10Y, DRIP)Price appreciation + reinvested dividends, annualized
Current dividend yieldAnnual dividend per share / current price
Dividend growth rateCAGR of dividends per share over 5Y and 10Y
Payout ratioDividends per share / EPS (earnings-based)
FCF payout ratioTotal dividends paid / free cash flow (cash-based)
FCF coverageFree cash flow / total dividends paid
Step 3: Assess Sustainability

Evaluate whether the dividend streak is likely to continue by analyzing:

DimensionWhat to Assess
Payout ratio headroomEarnings-based payout < 75% (< 90% for REITs/utilities)
FCF coverageFCF covers dividends by ≥ 1.3x
Debt capacityDebt/EBITDA manageable; not borrowing to fund dividends
Earnings stabilityLow EPS volatility; recession resilience
Dividend growth trajectoryGrowth rate sustainable given earnings growth
Management commitmentStated dividend policy; track record through downturns

See references/calculation-methodology.md for sustainability scoring details.

Step 4: Rank Candidates

Rank by a composite score weighting:

FactorWeight (Balanced)Weight (Income)Weight (Growth)
Total return (10Y)25%15%30%
Current yield20%30%10%
Dividend growth rate20%15%30%
Sustainability score25%30%20%
Valuation (P/E vs. history)10%10%10%

Use the weighting profile that matches the user's stated priority.

Show full SKILL.md (220 more words)Show less
Step 5: Present Results

Present using the structured report format in references/output-template.md:

  1. Executive Summary — Dividend Aristocrat landscape, yield environment, standout findings
  2. Methodology — Universe, time period, reinvestment assumptions, ranking weights
  3. Individual Stock Profiles — One per company with full metrics
  4. Comparative Table — Side-by-side ranking with all metrics
  5. Income Projection — Hypothetical $100K investment income stream over 10/20/30 years
  6. Disclaimers

Data Enhancement

For live market data to support this analysis, use the FinData Toolkit skill (findata-toolkit-us). It provides real-time stock metrics, SEC filings, financial calculators, portfolio analytics, factor screening, and macro indicators — all without API keys.

Important Guidelines

  • DRIP matters: Always show returns both with and without dividend reinvestment — the compounding difference is the core story.
  • Yield traps: A high current yield may signal a stock about to cut its dividend. Always pair yield with sustainability analysis.
  • Inflation adjustment: Note whether returns are nominal or real. For income-focused investors, dividend growth vs. inflation is critical.
  • Tax considerations: Mention qualified vs. non-qualified dividend treatment, but do not provide tax advice.
  • Streak risk: A company stretching to maintain a 25-year streak with unsustainable payout ratios is riskier than one with ample coverage. The streak is a signal, not a guarantee.
  • Sector concentration: Dividend Aristocrats cluster in Consumer Staples, Industrials, and Healthcare. Flag concentration risk if the top picks are sector-heavy.

© Geeksfino, Apache-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 3 other files (references) in US-market/dividend-aristocrat-calculator of Geeksfino/finskills.

  • SKILL.md
  • LICENSE.txt
  • references/calculation-methodology.md
  • references/output-template.md

Open the folder on GitHubat commit 8722415

Compare with similar skills

Dividend Aristocrat Calculator next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Dividend Aristocrat Calculator compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Dividend Aristocrat Calculator this skillGeeksfino/finskills282—~1.2kAutomated safety check: PassApache-2.0
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Theme Detectortradermonty/claude-trading-skills3k2 repos~4.9kAutomated safety check: PassMIT
Creating Financial ModelsChen-zexi/open-ptc-agent7293 repos~1.3kAutomated safety check: PassMIT
Stock APIzhangxiangliang/stock-api2k—~507Automated safety check: PassMIT
Itr Walakaranb192/itr-wala871—~3.6kAutomated safety check: PassMIT

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Questions about Dividend Aristocrat Calculator

What does Dividend Aristocrat Calculator do?

Analyze Dividend Aristocrats (25+ years of consecutive dividend increases) for income reliability and total return. Dividend Aristocrat Calculator is an agent skill from Geeksfino/finskills. Analyze Dividend Aristocrats (25+ years of consecutive dividend increases) for income reliability and total return.

When should I use Dividend Aristocrat Calculator?

Dividend Aristocrat Calculator fits situations like: the user asks to evaluate dividend aristocrats; calculate dividend reinvestment returns; assess dividend sustainability; compare income stocks.

How do I install Dividend Aristocrat Calculator in Claude Code?

Run `npx skills add Geeksfino/finskills --skill dividend-aristocrat-calculator -a claude-code`. Or copy the skill folder (US-market/dividend-aristocrat-calculator in Geeksfino/finskills) into .claude/skills/dividend-aristocrat-calculator in your project. Claude Code loads it when a task matches its description.

How do I install Dividend Aristocrat Calculator in Codex?

Run `npx skills add Geeksfino/finskills --skill dividend-aristocrat-calculator -a codex`. Or copy the skill folder (US-market/dividend-aristocrat-calculator in Geeksfino/finskills) into .agents/skills/dividend-aristocrat-calculator in your project. Codex loads it when a task matches its description.

Can I use Dividend Aristocrat Calculator in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add Geeksfino/finskills --skill dividend-aristocrat-calculator -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/dividend-aristocrat-calculator, .gemini/skills/dividend-aristocrat-calculator, .github/skills/dividend-aristocrat-calculator and .opencode/skills/dividend-aristocrat-calculator in your project.

What does Dividend Aristocrat Calculator need to run?

SKILL.md names no scripts, command-line tools or credentials: Dividend Aristocrat Calculator is instructions for the agent only.

Does Dividend Aristocrat Calculator access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Dividend Aristocrat Calculator safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Dividend Aristocrat Calculator use?

Dividend Aristocrat Calculator is published under the Apache-2.0 licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Dividend Aristocrat Calculator use?

About 1.2k tokens (SKILL.md is roughly 4.9k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 2.2k tokens, read only when the agent opens those files.

What are the alternatives to Dividend Aristocrat Calculator?

Skills that share tags, products or a category with Dividend Aristocrat Calculator: Technical Analyst (tradermonty/claude-trading-skills, 3k stars), Theme Detector (tradermonty/claude-trading-skills, 3k stars), Creating Financial Models (Chen-zexi/open-ptc-agent, 729 stars) and Stock API (zhangxiangliang/stock-api, 2k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Dividend Aristocrat Calculator?

Geeksfino (a GitHub user) maintains it in Geeksfino/finskills, which has 282 GitHub stars. The repository holds 30 skills in this directory. The repository was last updated on March 5, 2026.

Source: Geeksfino/finskills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.