1 · Portfolio

Your portfolio is the spine of DiviDrip. Every projection, every payout reminder, every yield-on-cost calculation reads from the lots and cash transactions you log here.

1.1Adding your first stock

There are two ways to log a buy — the full Stock Modal route, or the one-click Quick Stock Add button on the Portfolio page.

1. From the top of any page, type the ticker (e.g. JEPI) into the Search ticker or name field — matches appear in the stock table as you type.
2. Click the matching row to open the Stock Modal.
3. Inside the modal, switch to the My Portfolio tab. This is where buys from your broker get logged.
4. Enter the lot details:
   • Shares — fractional allowed, four decimals (e.g. 15.4382).
   • Cost basis per share — what you actually paid, not today's price. Used for gain/loss math.
   • Purchase date — defaults to today; backdating is fine for historical lots.
   • Is this a DRIP buy? — defaults to No. Flip to Yes only if these shares came from a reinvested dividend (no cash leaves your account, no contribution counted). For a regular broker buy, leave it on No.
   • Cash source (only shown when DRIP = No) — Outside = fresh outside money (counts as a contribution), Inside = pay with portfolio cash you already have (sale proceeds or unreinvested dividends), Split = some of each.
5. Save the lot. The stock now appears in your Portfolio table and is auto-tracked by the live price WebSocket.

1.2Logging a DRIP buy

When a dividend reinvests into new shares, that's a DRIP. There are three ways to log one:

• At the time of the buy — when you're entering the lot on the Stock Modal's My Portfolio tab, flip the Is this a DRIP buy? toggle to Yes. The Cash source picker disappears (no cash is deducted, no contribution recorded) and the lot is filed as a DRIP buy.
• From the payout reminder — when a payout reminder card appears under a portfolio stock, click Add DRIP Buy, enter the shares your broker bought + the per-share price, and save. The new shares fold into your position and the cash dividend is logged automatically.
• Forgot to mark it as DRIP at buy-time? No problem — on the Portfolio page, find the ticker's row and click Show Shares. Each share-lot row carries a small hollow water-drop. Click it and it fills in to — that lot is now tagged as a DRIP buy. Click the solid drop again to flip it back to a regular buy. The icon matches the header brand mark next to “DRIP, what it means for your Portfolio.”

1.3Cash transactions

The Cash Balance ribbon lives inside the Capital Tracker card on the Portfolio page and shows your current cash total. It has five action buttons — each one toggles its own form open or closed (click the same button again to close it):

• Add Outside — fresh outside money you've deposited from your bank/broker. This counts toward Total Contributions on the Capital Tracker (it's your real out-of-pocket).
• Add Inside — cash that came from inside the portfolio (sale proceeds or a cash dividend you didn't reinvest). This does NOT count as a contribution.
• Withdraw Outside — pulling principal back out. Reduces Net Contributions on the Capital Tracker.
• Withdraw Inside — drawing down inside cash (dividends or sale proceeds). Does not reduce Net Contributions — it's portfolio-generated money leaving the account.
• Remove — for fixing typos / mis-entered cash without it counting as a withdrawal. Removes from Outside, Inside, or a Split of both (an extra Source toggle appears inside the form, with a per-side amount field when Split is selected).

Above the ribbon, the Capital Tracker shows three lifetime tiles — Total Contributions (fresh outside money in), Total Withdrawn (outside money pulled back out) and Dividends Collected — plus buttons for the calculator, Tax Lots, the Tax Account Audit and the Year-End Report. Dividends Collected is a button, styled like the Net Capital Gain button above it: click or tap it for the full list behind the number.

• The list — every dividend this portfolio has produced, newest first, with the payer's name under each ticker. Sort by Name, Paid date or Amount; click a header again to flip the direction. Dividends reinvested through DRIP are included (they are part of the tile's total) and wear a DRIP tag; payments your broker coded as return of capital wear an ROC tag, because ROC reduces your cost basis instead of being taxed as an ordinary dividend.
• Tax year — the dropdown lists every year that has a payment. Pick one and the list, the total (the lifetime figure stays visible underneath) and all three exports switch to just that year — handy when you are filing.
• CSV downloads Ticker · Name · Paid · Amount · Type (Cash / DRIP reinvested, with “ROC” appended where applicable) and a TOTAL row. Print opens a clean printer-friendly copy where the header repeats on every page and no row is cut in half. Save/View PDF uses the same Download / View / Both chooser as the Year-End Report and always renders in light colours, even if you use the app in dark mode. Filenames carry the tax year you chose.

1.4Sell / remove a lot

When your broker actually sells shares, mirror it here so DiviDrip's cost-basis math stays correct. On the Portfolio page, find the ticker's row and click Show Shares to expand the lots. Each lot row has two action buttons — Sell Shares (records the sale at a price + date) and Remove from Portfolio (delete a mis-entered lot, no sale recorded). Per-lot sells never auto-FIFO — you choose exactly which lot to close. To sell across several lots at once, use Multi-Share Sell (§ 1.5).

1.5Sell multiple shares in one go (Multi-Share Sell)

When one sell needs to cross several tax lots — say you hold 23.5467 shares across 10 DRIP lots and want to sell exactly 15 — the Sell Multiple Shares widget does the lot accounting for you:

1. From your Portfolio page, click a ticker row to expand its lots, then click Sell Multiple Shares at the top of the lot list (also available in the Stock Modal → My Portfolio tab).
2. Enter the number of shares to sell.
3. Choose a cost-basis method — FIFO is pre-checked because it's the IRS legal default and matches Robinhood's behavior. Click any method name (FIFO, LIFO, HIFO, Low Cost, Tax Lot Optimizer) to see its definition and a Glossary link.
4. Review the live preview — DiviDrip shows exactly which tax lots get consumed, in what order, and the estimated gain/loss split between short-term and long-term. A wash-sale warning appears whenever the sale realizes a loss.
5. Click Execute sell to record the transaction. DiviDrip is a tracker — place the matching trade with your real broker.

1.6Spreadsheet export

At the top of the My Portfolio card is a Google / Excel Sheet button. Clicking it opens a small confirm modal — choose Yes, download to save a pre-filled .xlsx of your portfolio (positions, lots, cash, income concentration, trailing-12 income), or No / the close button / click outside the modal to cancel. After a successful download, a toast suggests uploading the file to Google Drive so you can share it with friends.

1.7Benchmark Comparison card

Six tiles at the bottom of the Portfolio page: MY PORTFOLIO plus four yardstick ETFs, with a period picker (1M · 3M · 6M · 1Y · 5Y · MAX) and a set toggle between Dividend (SCHD, VYM, HDV, NOBL) and Index (SPY, QQQ, DIA, IWM) benchmarks. Every tile shows its period return, a small sparkline of the price path (green up, red down — hover for the start and end dates and prices) and the period label. Returns are price-only on both sides so the comparison is apples-to-apples.

The MY PORTFOLIO tile is a button (Click or Tap for Breakdown). It opens a modal that spells out the formula — My Portfolio return − Benchmark return = difference in percentage points — then gives one row per ETF in the active set: the gap in points, a plain-English verdict (“Beating SCHD by 3.20 percentage points” / “Trailing SPY by …”), the subtraction written out, what that ETF actually tracks, and its sparkline. A scorecard at the top says how many of the four you are beating over that window. Switch the period or set on the card and reopen to compare a different window.

Under the hood the ETF closes are fetched from Massive once and shared by everyone for ten minutes, and the other periods are pre-warmed in the background, so switching periods or sets is instant.

1.8Conviction Snapshot card Plus

Sits directly above Benchmark Comparison and grades the portfolio you are viewing (one block per portfolio in the All Portfolios view). Every position is run through DiviDrip's 5-point Buy Checklist — the same checks you see on a stock's Triangle tab, so the grade here always matches the grade there — and bucketed into Strong 5/5 · Solid 4/5 · Mixed 3/5 · Risky ≤2/5. Click a box to see its tickers; walk-away names open straight to the failing checks. The N/M analyzed counter shows how many positions had enough data to score.

• Portfolio Health Score — a 0–100 grade (Excellent ≥ 85 · Solid ≥ 70 · Mixed ≥ 50 · Weak) averaging up to five 20-point sub-scores: Real Yield ≥ 0, FCF Coverage ≥ 1.5×, Revenue Growth, Concentration < 25%, and Walk-Away exposure. Breakdown next to the score expands each sub-score; hover a row for the exact number behind it. Needs at least 3 sub-scores to show.
• Health Score Trend — a line under the score with 90D · 1Y · All ranges and the point change since the start of the window. Solid dots are real scores recorded once a day from the first time you open the card. Hollow dots reach back to your first purchase — even a two-year CSV import — by rebuilding the exact shares you held on each date from your buy / sell ledger and grading that mix with today's fundamentals. So the historical line shows how your buying and selling moved conviction, not how each company's numbers looked back then. In All Portfolios the trend is shown once, for every portfolio added together.
• Multi-Decade Payers / Aristocrats+ chips — positions with a ≥ 10-year (or ≥ 25-year) raise streak; click to list them.

The Income Concentration warning (one ticker supplying more than 25% of projected income) and the ADR Tax Drag banner render just below Benchmark Comparison; the inflation-adjusted Real Yield and Equity Risk Premium pills live in the Treasury row of the My Portfolio card — tap either pill for the full formula.

2 · Watchlist

The Watchlist is for tickers you're considering, watching for an ex-div opportunity, or just tracking out of curiosity. It never touches your portfolio math. Open it with the ★ Watchlist N pill in the header (the number is how many tickers are on the active list). Everything below is described in the order it appears on the page, top to bottom: your stock rows come first, and every analytics card sits below the table so you always see what you're watching before the commentary about it.

Stage 2 alerts (non-dividend names). Every weeknight after the close DiviDrip re-grades every non-dividend common stock against Mark Minervini's eight-rule Trend Template. If a stock on your Watchlist changes standing overnight, a notice lands in the header bell (the notifications bell beside the theme toggle) under Stage 2 · Minervini — ticker, a status tag, its relative-strength rank and a one-line summary. Clicking the notice opens the stock; the full checklist lives in the modal's Capital Analytics tab. Four kinds of notice exist, and you pick which ones you want from the Watchlist's Alerts button (the Stage 2 · Minervini Bell Alerts block under the ex-dividend settings): NEW · TREND TEMPLATE / NEW · SEPA LITE when a watched stock newly passes all eight rules (New Stage 2), SEPA LITE PASS when a stock already in Stage 2 also clears the EPS ≥20% gate (SEPA Lite pass), TIGHT BASE when price range and volume dry up into a VCP-style candidate (Tight base flagged, off by default — confirm on the chart), and BROKE TEMPLATE when a Stage 2 name fails one or more rules (Broke the template — says how many scan days it held and names the failed rules, for example “price fell below the 50-day average”). A master Watchlist Stocks switch silences all four, and a preview chip row lists which of your watched names are in Stage 2 today. Alerts fire only on the night something changes — never every night in between — and follow your Watchlist only, not portfolio holdings.

2.1Adding a stock to your watchlist

There are two places to add a watchlist star:

• From the main stock table — every row has a ☆ star in front of the ticker. Click it to add (filled = on your watchlist); click again to remove. Portfolio-page rows are the exception — those rows don't carry a star, by design, to save horizontal space.
• From inside the Stock Modal — click the ★ Watch star at the top of the modal. The label flips to Watching when the ticker is on your list; click again to remove.

2.2Top toolbar — Back · list selector · Badge Key

The first row on the page. The left-most button is the site-wide back control: it reads ← Back when you reached the Watchlist from somewhere inside DiviDrip and takes you to whatever page you were on when you clicked the Watchlist pill (Portfolio, a Learn guide, the Screener…). If you arrived cold — a bookmark, a shared link, or a browser refresh — it reads 🏠 Home instead and takes you to the main stock view (the leaderboard page). Next to it is the watchlist selector — a pill showing the active list's name and its N/50 count. Free accounts have exactly one list (shown as Main until you name it — click the pencil to give it a name; there's no dropdown and no create button). Plus turns the pill into a dropdown holding up to 5 watchlists — Main plus 4 custom lists you create with the + New Watchlist button — each with pencil (rename) and trashcan (delete) controls. Main can't be deleted, only cleared. If Plus lapses, custom lists enter a 7-day Read-only · deletes in Nd grace period before they're removed. Every card on this page — counts, snapshot, conviction — is scoped to the active list only. On the far right sits the Badge Key button that decodes every badge in the table (see § 3).

On phones the top row is Back + Screener + Challenge, with the watchlist selector centred on its own line underneath.

2.3Second toolbar — News · Time Machine · Alerts · LIVE · count · Clear Sort

A centred row of controls directly above the table (all of them appear only when the list has at least one ticker):

• News (blue) — toggles an inline headline block under every row: the latest 3 headlines per ticker with source badges; click a headline to open it. Off by default — the headline pull only runs when you switch it on.
• Time Machine (orange) — toggles a per-row backtest bar under every dividend row (hidden on non-dividend rows). Details in § 2.5.
• Alerts (violet) — the watchlist-only entry point to the Ex-Dividend Alert Pop-up settings. Clicking it opens the settings panel directly below this row (it doesn't navigate away). Choose when DiviDrip should pop up a reminder on your first dashboard visit of the day for any watchlist ticker going ex-div soon — 1 day before · 3 days before · 5 days before, any mix. Full details (including the matching controls on the Calendar page and Portfolio card) live in section 5.1.
• ● LIVE — the streaming-price status pill. Desktop/tablet only; it's dropped on phones to save the row.
• N/50 in watchlist — how many slots you've used on the active list.
• ✕ Clear Sort — resets the column sort back to Name ascending. Greyed out while the sort is already default.

On phones this becomes: News / Time Machine / Alerts on one line, then a Badge Key + N/50 in watchlist line. Clear Sort moves down to the left end of the Nominal / Real yield bar inside the table.

2.4The Watchlist table

Directly under the toolbar. If more than 30% of your tickers are structurally-leveraged CEFs, an amber leverage-concentration banner appears just above the table naming them (it's silent below that threshold). The table's own header bar carries the Yield: Nominal / Real (−x%) toggle — Real subtracts the current CPI year-over-year rate from every yield in the column so you can see what beats inflation. The choice is remembered on your device.

Columns (all sortable by clicking the header): Name · Price · Mkt Cap · Yield · Ex-Div (the next ex-dividend date — watchlist-only column; sort ascending for soonest) · Payout (frequency pill) · Sector · 3 Mo · 1 Yr (price change only, dividends excluded). Non-dividend rows show a dash in the dividend columns. The gold ★ at the far left removes the ticker from the list; clicking anywhere else on the row opens the Stock Modal.

Under each ticker symbol runs the Radar chip strip — the same tier / classification / quality badges the main table shows (decode them with Badge Key) plus watchlist-specific decision chips:

• Ex-Div countdown — a sky-blue chip reading “Ex-div in 4d” (or “Ex-div today” / “Ex-div tomorrow”). Only shows when the ex-dividend date is within the next 7 days.
• Trending — orange flame chip. Surfaces when DiviDrip's community-signal feed lists the ticker as being added to many watchlists across the platform.
• High Yield — appears at ≥ 8% yield (typical band for BDCs, REITs, covered-call ETFs); flips to a rose “Very high yield” chip at 15%+ as a distribution-risk warning.
• 52W levels — violet “Near 52w low” when price is within 5% of the 52-week low; amber “Near 52w high” when within 3% of the 52-week high.
• Income Impact — teal “$X/mo per $1k” chip: monthly cash flow per $1,000 invested at the current yield. Click or tap the chip (desktop and phone) to open a white pop-up with the full $1k / $10k / $100k breakdown, monthly and yearly — the click stays on the chip and does not open the Stock Modal.
• 5Y YoC — fuchsia chip projecting yield-on-cost 5 years out using the stock's 5-year dividend CAGR (3-year fallback). Only renders when the projection is at least 1.25× the current yield.

Below a row, in this order, you may also see: the Time Machine bar (when toggled on), the News block (when toggled on), a Warrant alert strip (warrant / unit rows only — fires on a redemption 8-K, forced redemption, expiry within 30 days, or the underlying trading within 5% of the exercise price), and the Starred Filings · TICKER · N pinned strip (§ 2.6).

2.5Per-row Time Machine

With the toolbar toggle on, every dividend row grows a bar answering: “If I'd put $1,000 into this ticker one year ago with DRIP on, what would it be worth today?” The window is fixed at 1 year (if the ticker has less history than that, the bar falls back to a 6-month window and says so in its header). It shows the headline $1,000 → $X, a verdict pill, and a stat strip: Current Price · Shares Bought · Shares Now · DRIP Buys · Cash Dividends · Forward Income · Yield on Cost, then three vs SPY / SCHD / VYM benchmark deltas (same window, dividends reinvested on both sides). A share button exports the result as a branded PNG card. Toggle Time Machine off for a cleaner list. Portfolio-level backtesting lives in the What-If tool's Reverse Mode — section 6. That replays your whole portfolio, dividend and non-dividend positions alike: non-div names are tracked on price return only (no dividends to reinvest, $0 projected income), while dividend names get the full DRIP treatment.

2.6Starred Filings strip

If you use the Star-a-Filing pin inside the Plus 10-K / 8-K / Risks tab (see § 11.5), every watchlist row you've pinned SEC filings to grows an inline Starred Filings · TICKER · N pinned strip. Click any starred-filing bar to expand the SEC reader inline — no tab takeover, no leaving your watchlist context. Un-starring the ticker's row cascades and removes every pinned filing for that ticker.

2.7Live event strips (directly under the table)

Three compact one-line strips sit immediately below the last stock row. Each is computed from the tickers on screen and only renders when there's something to say — no zero-state clutter. In every strip the ticker opens the Stock Modal and the coloured pill opens a tap-friendly explainer with an Open TICKER → link:

• Unusual Activity Today — tickers whose volume today is ≥ 2× their 3-month average (green pill; 3×+ counts as “heavy”) or ≤ 0.4× average (red pill, unusually quiet). Heaviest first, up to 8 chips. Tickers that haven't traded yet today are skipped rather than shown as 0×.
• Ex-Div This Week (N) — every ticker whose next ex-dividend date lands within the next 7 days, soonest first, with the days-until pill and the expected per-share amount. When the explicit next date isn't published yet, DiviDrip estimates it from the payout cadence and marks the pill with a ~. Daily payers collapse into a single date-range chip (e.g. Aug 24–28) instead of five copies.
• Recent Hikes / Recent Cuts — two separate strips (each self-hiding) listing dividend changes from the last 90 days: green pills with the +% for raises, rose pills with the −% for cuts. Largest move first, up to 8 each.

2.8Coverage Radar cards (Recovery & Cut-Risk)

Two full-width cards, Recovery first, each cross-referencing your watchlist against DiviDrip's nightly SEC XBRL coverage-radar scans. They used to live on the dashboard leaderboards but were moved here because they're only meaningful in the context of names you already care about:

• Watchlist on Recovery Radar emerald — tickers whose SEC-reported FCF / FFO / NII coverage is ≥ 1.0× AND rising more than +10% over the last few quarters. “The setup before a raise.”
• Watchlist on Cut-Risk Radar rose — tickers whose SEC-reported coverage has dropped BELOW 1.0× AND is still deteriorating. “Catch cuts before they're announced” — the company is paying out more than it currently earns in distributable cash, and the trend is getting worse quarter over quarter.

Each card shows a count next to its title and one two-line pill per ticker: TICKER 2.93× FFO coverage, the multi-quarter Trend ±%, a 4-dot sparkline of the last SEC-filed quarters, and a quarter-over-quarter delta arrow (↑ +1.06×). Tap About the sparkline to expand a legend (dot colour = tier that quarter: red below 1.0×, amber 1.0–1.5×, green ≥ 1.5×; dashed line = the 1.0× floor). Clicking a pill opens the Stock Modal. The footer link — Dividend Coverage Improving · View All in Screener / Dividend Coverage At Risk · View All in Screener — deep-links to the matching Screener preset so you can browse the full radar universe, not just your watchlist. Both cards null-render when there's nothing to say.

2.9Watchlist Snapshot card

A dashboard-style card headed Watchlist Snapshot (N stocks). Two buttons sit in its header once the list has 2+ tickers: Compare Quality (fuchsia) opens a side-by-side breakdown of every ticker's Quality pillars — Dividend / Non-Dividend / Cross-Type modes, winner highlighting and a “why did X win?” one-liner; ⇄ Compare Theses (violet) opens the Bull vs. Bear thesis comparison for any two tickers you pick. Below the header:

• Avg Conviction — one big number out of 100 averaging every scored ticker regardless of type, with a letter-grade pill (A+ Elite 85+ · A Strong 70–84 · B Healthy 55–69 · C Average 40–54 · D Weak 25–39 · F Risky <25 — tap the pill for this legend) and a N of M analyzed · X div · Y non-div · Z unscored read-out. Hidden until at least one ticker is scored.
• Avg Quality · Div / Non-Div — when the list mixes dividend and non-dividend names, this box splits in two so the two scoring models never contaminate each other: the left half is dividend Quality (dividend-triangle model) with click-through Best / Worst tickers; the right half is the ND Non-Dividend Quality average (revenue growth + margins + insider ownership + momentum) with its own best / worst. A pure list shows only the relevant half, labelled simply Avg Quality.
• Yield · Rev Growth (or just Yield Range on an all-dividend list) — lowest → highest yield across the dividend cohort with clickable low / high tickers, and beside it the lowest → highest 3-year revenue CAGR across the non-dividend cohort.
• Top Sectors — your top 4 sectors by ticker count as horizontal bars.

2.10Compare vs Portfolio Blend

A pink card that answers “how does this stock I'm watching stack up against my actual portfolio?” The left slot is your Portfolio Blend — a live snapshot of all your holdings weighted by market value — showing blended Yield, Price and annual dividend Rate plus a ±x% real inflation-adjusted yield chip. The right slot is a dropdown of watchlist tickers you don't already own (owned names are excluded because comparing a stock against a blend it's already part of is meaningless) with the same three figures; Open jumps to its Stock Modal. Under the slots a one-line verdict reads “AKR yields +0.54% higher than your Portfolio Blend”, and a vs My Portfolio · 3M return bar shows three boxes — your portfolio's 3-month total return, the ticker's, and the difference with an up / down arrow (same colour grammar as the Portfolio page's Benchmark Comparison). Tap any box for the plain-English explanation. The card hides itself when you have no positions.

2.11Pinned Comparisons (saved face-offs)

Find a face-off you keep coming back to? Open Compare with both tickers → click 📌 Pin pair. The pair appears here as a mini-card showing both tickers' live Yield and Price — one click re-opens the full comparison, and pins are saved to your account so they follow you across devices. Up to 15 pins, each with an optional 1-line memo (“watching post-earnings drop”) shown in italics under the card. With 2+ pins a Sort dropdown appears: Most recently pinned · Largest yield gap · Alphabetical. Pinning is described in full in section 4.

2.12Conviction Snapshot

The watchlist twin of the Portfolio page's Conviction Snapshot card (1.8): every dividend ticker on the active list is run through DiviDrip's 5-point Buy Checklist (non-dividend tickers use the Non-Dividend Quality scale instead), and the results are bucketed into four boxes — Strong 5/5 · Solid 4/5 · Mixed 3/5 · Risky ≤2/5. Click a box to see which tickers landed in it. A headline sentence summarises the mix (“Solid footing…” / “Mixed…” / “Concentrated risk — review the walk-away positions below”), followed by X% of analyzed positions land in Strong or Solid. The N/M analyzed counter in the corner tells you how many tickers had enough data to score; the ? opens a fuller explainer.

• Multi-Decade Payers / Aristocrats+ chips — how many of your tickers have a ≥ 10-year (or ≥ 25-year) raise streak; click to list them, longest streak first, with live prices.
• Ready to Buy — every 5/5 and 4/5 ticker as a green chip. Clicking one opens the Stock Modal on the My Portfolio tab so you can record a purchase on the spot.
• Walk-away positions to review — the ≤2/5 tickers as rose chips, worst first. Clicking opens the Stock Modal on the Triangle tab (dividend names) or the Stock Metrics tab (non-dividend names) so you can see exactly which checks failed.

2.13Bottom row — Clear Watchlist · Export Watchlist CSV

The last row on the page. Clear Watchlist (left) removes every ticker from the active list after a confirmation dialog — this also cascade-removes any starred filings for those tickers. Export Watchlist CSV (right) downloads the active list as watchlist_export.csv.

3 · Browsing Stocks

Most of DiviDrip's data is free to view without an account. Sign-in is only needed for the personal-data features (portfolio + watchlist + pins + journal).

3.1The main stock table

• Lands on the dashboard by default. To return here from any other page, click the DiviDrip wordmark or logo image in the top header.
• Universe switch — the three-way toggle above the table picks Dividend (free default: every payer we track), All or Non-Dividend Plus. The Screener carries the same switch.
• Default sort is alphabetical by ticker. Sortable column headers: Price · Yield · Div/Yr · Payout (payout frequency — daily / weekly / monthly / quarterly / semi-annual / annual) · 1 Mo · 6 Mo · 1 Yr. Click any header to cycle the sort direction; a one-click reset clears it.
• Allow: SPAC & Warrant checkbox (All and Non-Dividend only) — blank-check shells and warrant tickers have no yield, payout or market cap, so a lowest-first sort used to surface a wall of “—” rows. They stay hidden from the table, the type-ahead search and the Screener until you tick it; the setting lasts for your browser session.
• Allow: Money Market & Mutual Funds checkbox (Dividend and All only) — the same idea for money market funds (SPAXX, VMFXX…) and open-end mutual funds (VTSAX, FXAIX…). In All mode it sits on its own second line under the SPAC & Warrant box. Neither checkbox ever touches your Watchlist or Portfolio.
• Prices carry a LIVE pill while the market data socket is connected — rows and the open Stock Modal update in place without a refresh.
• Type-ahead search at the top narrows the universe to matching tickers/names as you type.
• Every row has a ★ star in front for one-click watchlist add/remove (see section 2).

3.2The Stock Modal — header & every tab

Click any row in the main table (or a ticker anywhere on the site) to open the Stock Modal. The header and the tab set adapt to what the ticker is — a dividend payer, a growth stock, an ETF/CEF, a SPAC, a warrant or a money market fund each get a different mix of cards.

Header. Ticker + exchange chip, then the Quality pill (score, letter grade and label such as 61 B Healthy) — click it for the full score breakdown; a one-line green “Quality Score is 61 because…” narrative sits under the price with a MORE expander. Classification chips (CEF / BDC / REIT / ADR / SPAC / ⚡ Structurally-Leveraged CEF / Government · Treasury · Prime · Municipal for money market funds) each carry a small ? that opens the Badge Key straight to that badge. Recent IPOs show a Listed Nov 2025 chip, dead warrants an EXPIRED badge, and non-dividend names their Capital Analytics verdict (e.g. 71 BUY Efficient operator). Quick links: Snapshot · Compare · Calculator · Glossary, plus Watch. On phones every hover explainer opens on tap, and chart tooltips open on tap-and-hold.

Tabs, left to right (swipe-able on mobile). Dividend payers see: Dividend Info · Stock Metrics · Financial Health · Insights · Today · Div Growth · Triangle · 10K/8K/Risks · Insider & Institutional · My Portfolio · Journal · Yield History · News · DRIP Calc. Non-dividend stocks and SPACs swap the dividend tabs for Growth and Capital Analytics; warrants drop Capital Analytics too.

• Dividend Info — Current Yield card, ex-div / pay dates, rate and frequency (daily through annual), recent payout history, the Streak Risk chart (tap any bar for the year's detail), a Recent Events card (raises, cuts, specials) and an explainer card matched to the vehicle — CEF, BDC, REIT, ADR, Leveraged, Futures or tier crown.
• Stock Metrics — the quantitative dashboard. Valuation Multiples vs sector median (Trailing & Forward P/E, P/S, PEG, EV/EBITDA, colour-coded; click a red/green note to open the 5 cheapest peers). Price Chart with 1mo / 3mo / 6mo / 1y / 5y periods, SMA20 / SMA50 / SMA200 overlays, an RSI 14 panel and a View Today's jump. Beside (or, on phones, under) the chart: Div Frequency / Rate / Yield, Market Cap or Fund AUM, 52-Week and Day range bars, Beta with its band, Volume vs Avg, NAV. Then Analyst price targets (Low / Avg / High) and EPS Estimate Trend, Profitability (ROIC, FCF & Net margin, ROE, ROA, revenue/EPS growth, revenue stability), Financial Health (D/E, current ratio, FCF, revenue, debt, cash), Book & Enterprise value, ETF Ownership (which funds hold it, from SEC N-PORT — Show top 20), Short Interest & Float with the Squeeze verdict pill and a 6-month SI sparkline, FINRA Daily Short Volume 30-day ratio sparkline (tap or hover either line for the exact value), and a Technicals overlay card. Funds get a Fund Profile + Top Holdings card instead; money market funds get a Money Market Fund overview (7-day yield, family, type, expense, weekly liquidity).
• Financial Health — the full Massive Financials & Ratios payload for the ticker, in four cards: Live Ratios (P/E, P/B, P/S, P/CF, P/FCF, EV/EBITDA, D/E, ROE, ROA, Current / Quick / Cash ratios — refreshed daily), Income Statement, Balance Sheet and Cash Flow (annual + quarterly, YoY deltas).
• Insights — the narrative layer. Company / Fund Overview (logo, description, HQ, employees, listed year, sector, website), the Quality Narrative panel, Valuation Matrix — Target Buy Price (Two-Stage FCFE model; drag the required-return slider from 6% conservative to 15% aggressive and watch the target and vs-market % move; non-dividend names get their own variant), Benchmark Performance (1Y / 3Y / 5Y total return vs SPY / SCHD / VYM with Beat all / Mixed pills — tap any cell for the underlying numbers), Splits History & split-adjusted cost-basis calculator, Analyst Coverage, and the Peer Group Stocks chips that drill into another ticker in place. Type-specific cards: SPAC Lifecycle (Searching → Deal Announced → Vote Pending → Completed rail, SEC filing trail, What is a SPAC?), Warrant vs. Underlying 90-day indexed chart with the leverage ratio plus the Stock Warrant card (underlying, exercise price, break-even %, expiry, redemption-notice watcher) and a P/L Calculator, REIT Cash Lens (FFO / AFFO view), the ADR Withholding-Tax estimator and a Home-currency dividend card for foreign payers.
• Today — today's intraday price chart with pre-market prints and a compare-to-yesterday ghost line; tap the chart on a phone to read a point.
• Div Growth — historical dividend growth (1y / 3y / 5y CAGR + bar chart of payouts).
• GrowthNon-div onlyPlus only — the dividend investor's equivalent view for stocks that don't pay a dividend. Revenue CAGR + latest revenue, EPS CAGR + latest EPS (5-year lookback), then 5-year Annual Revenue and Diluted EPS bar charts, plus a full Quality Score Breakdown for growth names (Revenue 3yr CAGR, EPS 3yr CAGR, Return on Equity, Free Cash Flow, Debt/Equity, P/E, Gross Margin) each colour-coded and scored out of 100. Only shows on tickers with no dividend history — and non-dividend tickers themselves only surface behind the DiviDrip Plus paywall.
• Triangle — opens the per-stock Dividend Triangle (revenue × EPS × dividend growth) for this ticker.
• Capital AnalyticsNon-div onlyPlus only — deep-dive quantitative valuation for non-dividend stocks. Includes the Capital Quality Rank (0-100 sector-relative score), Rule of 40 FCF, Founder-Led flag, Market Alpha estimate, share-count creep tracker, capital-return-vs-buyback split, a full valuation vs. peers panel, and — at the bottom — a Minervini Trend Template card that grades the stock against all eight Stage-2 rules with check marks, its relative-strength rank, distance from the 52-week high, latest-quarter EPS growth and whether a Tight base is flagged, with a verdict pill (Passes Minervini SEPA Lite / Passes the Trend Template / Fails). It works for any non-dividend stock, not just the ones in the screener preset. See § 11 for a deeper walkthrough of every card on this tab.
• 10-K / 8-K / RisksPlus only — SEC filings reader. 8-K events at top (Item-code chips), then the latest 10-K Business + Risk Factors sections, plus a YoY Disclosure Trend mini-chart. Tap the ★ next to any 10-K section header or 8-K row to pin it to your Watchlist for one-click revisiting (see § 3.4). The Item codes are clickable / inline-defined.
• Insider & InstitutionalPlus only — Form 4 trades (insider buys / sells), 90-day & 12-month roll-ups, the Top 13F institutional holders table, AND a new Initial Insider Positions block that shows Form 3 filings (the very first disclosure an officer / director / 10%-owner files when they take on that role — reveals their baseline ownership stake, useful especially on newly-listed companies). Famous-investor names (Berkshire, Pershing Square, Renaissance, etc.) are flagged with a ★ and a Smart-Money Crossover badge fires when 3+ famous holders overlap (see § 3.5).
• My Position — appears only when you own ≥1 share of a dividend stock in your Portfolio. Watchlist-only tickers do not get this tab. It's a live, websocket-driven view: avg cost, total paid, market value, unrealized P/L %, today's open / close / high / low / pre-market / after-hours, day P/L, YoC (Yield on Cost), annual income from this position + % of your portfolio income, dividend growth since your first buy, and a sector / vehicle pill.
• My Portfolio — where you enter buys / DRIP buys / view your lots in this ticker.
• Journal — your notes, reviews, and thesis entries tagged to this ticker.
• Yield History — monthly yield-history line for the last few years.
• News — recent headlines for this ticker.
• DRIP Calc — 5y / 10y / 20y reinvestment projection at this ticker's CAGR, with a tax-rate input box (enter any non-negative number).

Drill-down navigation & breadcrumbs. Lots of cards inside the modal link to other tickers — the Peer Group chips on the Insights tab, the ETF Ownership and Top Holdings cards on Stock Metrics, issuer peer tables, and more. Click any of them and the modal swaps to that ticker in place. One hop deep, a ← Back button appears in the header (under the ✕ on phones); go two or more hops deep and it becomes a breadcrumb trail — e.g. KO › PEP › KDP — where clicking any earlier ticker jumps straight back to it. Back and breadcrumb both restore the exact tab and scroll position you were at when you clicked away, so you can burn through a whole peer list or holdings table without ever losing your place.

3.3Screener (deep filtering)

The Screener has its own dedicated page. The entry point is the small blue funnel icon labelled Screener (or Stock Screener on desktop). On a computer it lives in the site header itself — the row with Search Stocks and the Challenge dropdown — so it's available on every page, including the Challenge pages. On a phone it moves out of the header into the toolbar row below it, alongside the Search field and the Challenge dropdown, and there the Screener page itself and the three Challenge pages (Kings / Aristocrats / Achievers) are the only places it's hidden.

30+ filter criteria — yield bands, market cap, sector, tier, classification (ETF / CEF / BDC / REIT / ADR), Fund Type (including Money Market Funds), payout frequency, and quality flags — combined with AND logic. The Screener has the same Dividend / All / Non-Dividend switch and the same Allow: SPAC & Warrant and Allow: Money Market & Mutual Funds checkboxes as the main table, plus two slice pickers on the right of that bar: a SPAC Stage dropdown (Searching / Deal Announced / Vote Pending / Completed / Liquidated) and an MMF Type dropdown (Government / Treasury / Prime / Municipal). Each dropdown is greyed out until its Allow checkbox is ticked, resets to Any when you untick it, and the two are mutually exclusive. Picking either auto-ticks its checkbox; the two are mutually exclusive (the other greys out), and both reset to Any and grey out while any screener filter is active so a hidden slice can never trap you in an empty result. Any Money Market view swaps the table to a fund header set — Fund · NAV · Family · Type · 7-Day Yield · Expense · Fund Size · Weekly Liquid — all sortable.

Filters live in category buttons that open a panel each, so you never scroll past filters you don't need: Strategies (one-click presets), Fund Types, Dividend Health (Yield, Payout Ratio, Frequency, Div Change, Raise Streak, Recent Raise %, Upcoming Ex-Div, Tier — Dividend and All modes), Growth (Rule of 40 FCF, Rule of 40 Operating, Rule of 40 SBC-adjusted FCF, Revenue CAGR 3y, 1-Year Return — All and Non-Dividend modes), Forensics & Ownership (Altman Z Zone, Forensic Model, Founder-Led, Founder Min % of Float — All and Non-Dividend modes), Valuation & Financials (P/E, Market Cap, Debt/Equity, ROIC, FCF Margin, Beta), plus Sector and a searchable Industry picker. A count badge on each button shows how many of its filters are active. The Growth and Forensics panels mirror the Growth + Capital Analytics tabs (see § 11). The All and Non-Dividend modes themselves carry a gold lock for free accounts and open the DiviDrip Plus upsell — the switch is the paywall, not the individual filters.

Non-Dividend strategy presets. In Non-Dividend or All mode the Strategies menu adds presets built for growth names, including Micro-Cap Giants Lite and Minervini SEPA Lite. The Minervini preset applies all eight rules of Mark Minervini's Trend Template (Stage-2 uptrend) plus latest-quarter EPS up at least 20% year over year — the automatable half of his SEPA method — and sorts the survivors by relative-strength rank. While it is on, a short explainer appears above the table and each row gets an RS 99 badge (tap it for the eight rules as check marks, distance from the 52-week high and EPS growth) and, where the price range and volume have both dried up versus the 50-day baseline, an amber Tight base badge — a VCP candidate to confirm on the chart, never a signal. A Stage 2 column also appears right after the name while the preset is on — the number of scan days the stock has held all eight rules — and is sortable: sort ascending for fresh breakouts, descending for long-running leaders. It disappears when you leave the preset. The list is recomputed nightly after the close; read the Minervini guide for the full method.

The screener results table also defaults to alphabetical and is sortable by: Price · Yield · Div/Yr · Payout · Quality (quality badges) · 1 MO · 1 YR. Plus subscribers get two additional sort columns for non-div rows: Capital Quality Rank and Rev CAGR.

3.4Badge Key — decoding every row badge

The stock table rows are dense with badges and abbreviations — tier crowns (King / Aristocrat / Achiever), classification chips (CEF / BDC / REIT / ADR / LEVERAGED / FUTURES), action chips (CUT, RAISE, streak flame), a YIELD TRAP detector, the SPAC chip and its lifecycle stage, the ⚡ Structurally-Leveraged CEF bolt, the EXPIRED warrant badge, the Listed <month year> new-IPO chip and the four Money Market Fund type badges (Government / Treasury / Prime / Municipal). Inside the Stock Modal every header badge has a tiny ? beside it that opens the Badge Key scrolled to that exact badge. To decode any of them from a table, click the small Badge Key button (key icon + amber accent + chevron). It opens a popover with every badge the app uses, what it means, and tap-to-pin so the badges you look up most stay at the very top of the list.

The Badge Key button lives in the toolbar row of most every page — on the dashboard it sits to the right of the Challenge dropdown; on the Screener and the Challenge pages it sits in the same toolbar; on the Stock Modal small "?" helper icons next to mystery badges (LEVERAGED, CEF, BDC, etc.) jump you straight to that row inside the same key. Tap below to try it live:

3.5Challenges — Kings, Aristocrats & Achievers

The Challenge dropdown opens three curated pages that filter the universe down to the most disciplined dividend growers. Each list is updated quarterly so the leaderboard reflects the latest reality:

• 👑 Kings Challenge — companies with 50+ consecutive years of dividend increases. The hardest tier to achieve.
• 🏆 Aristocrats Challenge — S&P 500 members with 25+ consecutive years of dividend increases.
• 🎖️ Achievers Challenge — any US-listed company with 10+ consecutive years of dividend increases.

On the dashboard the dropdown sits at the left edge of the toolbar row (under the search field), next to the Badge Key. Each page is a focused leaderboard you can sort, screen, and click into. Tap below to try the dropdown:

3.6Founder-Led — where the founder still owns the float

Founder-Led is a curated leaderboard of US-listed companies whose founder, long-tenured CEO, or founding insider still holds a material personal stake in the float. The list is rebuilt nightly from SEC Form 3 filings — the very first ownership disclosure an officer or director is required to file — so it captures skin-in-the-game across the entire IPO history of the market, not just today's headliners.

A universe toggle at the top switches the leaderboard between Dividend payers (the free default), All, and Non-Dividend — the latter two are DiviDrip Plus views since founder-led growth names live in the non-dividend universe. Three tier chips (with live per-universe counts) let you filter by how much of the float that top insider owns:

• Skin in the Game — top insider owns ≥ 10% of the float. The floor for “incentives align with shareholders.”
• Deep Ownership — ≥ 20%. Founder-CEO territory; dilution costs them meaningfully.
• Insider Titan — ≥ 30%. Effectively owner-operators. Rare on large caps.

Each row surfaces the top holder's name, their exact float percentage, market cap, 1-year price return, and the ticker's Capital Analytics verdict (BUY / WATCH / AVOID — see § 11.2). The table has sortable column headers (click to cycle direction, with a one-click sort reset), a type-ahead search box, and pagination — so a 500-name universe stays navigable. The page also carries a Freshly Detected This Week card highlighting tickers where the Form-3 founder-stake flag just tripped in the last 7 days; it follows the active universe toggle, hides itself when the week is quiet, and each tile has its own Share on X button — useful for catching (and broadcasting) newly-IPO'd founder-controlled names before they show up on other screeners.

Every row has a ★ watchlist star and a Share on X button; the whole page also carries its own page-level share button so you can broadcast the current filter view. Under the hood, the filter deliberately excludes corporate-parent subsidiaries and pre-revenue founder-controlled biotechs — the two most common false positives when people run a naïve “insider ownership” screen. See the on-page essay for the full methodology.

3.7IPO Watch — new REIT / CEF / BDC / MLP / Preferred launches

IPO Watch tracks the IPO pipeline from an income-investor angle — not the growth/SPAC noise most IPO trackers focus on. It surfaces newly-listed REITs, Closed-End Funds, BDCs, MLPs, Preferred Stocks, and Baby Bonds from the last 30, 90, or 180 days, sourced nightly from SEC IPO filings.

• Window toggle — 1 Month / 3 Months / 6 Months. The header caption shows the live “dividend-classified IPOs out of total listings” ratio for the selected window.
• Vehicle chips — REIT, CEF, BDC, MLP, Preferred, Baby Bond, and “All Dividend” vs “All IPOs (incl. growth)”. The All IPOs switch is a DiviDrip Plus view — non-dividend listings sit behind the Plus paywall.
• SPAC Volume Signal card — a market-froth gauge showing SPAC IPO counts over 30/90/180 days. HOT / ELEVATED / NORMAL / COLD badges flag when SPAC volume spikes (typically a cycle-top warning) or collapses (usually a flight-to-quality tailwind for dividend investors).
• Freshly Listed — Last 30 Days — a compact strip of the newest listings. It follows the active dividend / all switch, hides itself entirely when the window is empty, and every tile carries its own Share on X button with pre-filled copy.
• Sortable table — click any column header to cycle the sort (with a one-click reset), narrow the list with the type-ahead search box, and page through long windows with the pagination controls.

Every row shows the ticker, issuer name, listing date, vehicle badge, and — if the ticker has already made it into our nightly cache — a ★ to add it to your Watchlist plus a per-row Share-to-X button with pre-filled copy. Rows for pre-cache tickers deliberately hide the watchlist star (there'd be no data behind it if you clicked it); the star fades in the next day once the nightly cache catches up.

4 · Compare & Pin

4.1Open Compare

There are three places to launch Compare:

• From any Stock Modal — click the ⇄ Compare button. That ticker auto-locks into slot A; pick a slot-B ticker via search.
• From the Portfolio page — the Benchmark Comparison card carries a Compare launcher (both slots open empty for free typing).
• From the Tool Box — the Compare tool on the Portfolio page's Tool Box (see section 6).

4.2Reading the yield chart

• Two colored lines: A in sky-blue, B in violet. Last 36 months of monthly yield.
• ⬥ diamonds mark crossovers — months when one ticker overtook the other.
• Scale legend up top shows the Y-axis range + each ticker's peak yield. If one peak is 3× the other, an amber 9.1× skew warning appears.
• When skewed, click the Log toggle to flip the Y-axis to log10 — both lines regain useful vertical space.

4.3Pinning a face-off

Action buttons under the chart: Export PNG, Share on X (opens Twitter/X with a pre-filled post), Copy (copies the takeaway caption to your clipboard), and 📌 Pin pair. Click Pin pair to save the comparison to your Watchlist tab as a mini-card with live yields. After pinning, a tiny 📝 Add a note… pill appears — click to type a 1-line memo (140 chars). Editing the memo doesn't reorder your pinned cards.

4.4Triangle Compare

The Triangle compares up to four tickers at once on a single radar chart. For each ticker it shows Revenue, EPS, Dividend, an overall Score, and a Flag if one applies — either Trap or Weak. Click Share to open the Triangle Share modal: it renders a branded 540-pixel-wide PNG card you can download or drop into a Twitter / Discord / Reddit post.

4.5Compare Theses (Bull vs Bear, side-by-side)

Compare Theses stacks the LLM-generated Executive Summary brief of two tickers next to each other. Each column shows a compact stat strip at the top (Score · Verdict · Yield · Chowder · Buy Checklist pass count) followed by the full brief — Executive Summary paragraph, Bull Case, Bear Case, and What Changes Our Mind. Use it to answer questions like “Is KO or PEP a better entry today?” or “How does this BDC compare to the one I already own?”

The button lives in four places:

• Triangle tab (inside any Stock Modal) — Stock A is locked to that ticker; pick a 2nd ticker to compare against.
• Standalone Triangle page (/triangle/<ticker>) — same locked behaviour.
• Watchlist Snapshot card on the dashboard — free-mode, pick any two tickers (they don't have to be on your watchlist).
• Tool Box on the Portfolio page — free-mode.

The modal saves your last 5 ticker pairs as quick-reload chips. The backend caches each brief for 24 hours per ticker, so re-opens are instant if you compared recently and take 3-5 seconds (up to 12 for tickers we haven't seen recently) on a fresh run. Both columns show a spinning loader with the text “Please wait, creating theses now…” until each side independently resolves.

5 · Dividend Calendar

The Dividend Calendar is reachable from two places on the Portfolio page — the 12-Month Income Heatmap card carries a Calendar button, and the Tool Box also lists Calendar as one of its tools. It shows every ex-div date and pay date for the tickers in your Portfolio and Watchlist.

Two controls sit next to the page title:

• Scope toggle — flips the whole calendar between Portfolio only and Portfolio + Watchlist. It shares state with the 12-Month Income Heatmap toggle on the dashboard, so both surfaces always agree.
• 🔔 Alerts button — opens the Ex-Dividend Alert Pop-up settings panel (see 5.1 below).

Reading the grid — the Key above the calendar:

• Amber / gold dot & pill = Ex-Div date (you must own before this date to catch the dividend).
• Green $ = Pay Date (cash hits your account).
• Blue edge bar = the event comes from your Portfolio · purple edge bar = from your Watchlist.
• Weekend exchange rule applied to both ex-div and pay dates: Saturday rolls back to Friday, Sunday rolls forward to Monday.

Above the month grid:

• Annual Income Overview — your estimated dividend income for the year, plus twelve month pills showing each month's payment count and estimated cash (teal = high income, grey = no payments). Click any pill to jump the calendar to that month — perfect for spotting gaps in your passive-income stream.
• Summary cards — Tracked Stocks (respects the scope toggle), Est. Cash This Month (from portfolio positions only — watchlist tickers don't pay you), and Payments This Month.

Click any day cell to open a per-day event modal listing the tickers paying or going ex-div that day, each tagged Portfolio or Watchlist. The ticker symbol in the modal (shown in gold/yellow) is clickable — click it to jump straight into that ticker's Stock Modal. The event modal closes automatically when you do. If some of your lots were bought on or after a cycle's ex-div date, an ineligibility chip explains those shares start collecting on the next cycle.

At the bottom of the page, a Historical Earnings (Hypothetical) card shows what your current positions would have earned in each of the last few calendar years using real historical payments — clearly labelled hypothetical, with per-year coverage badges so you know which numbers have full data behind them.

5.1Ex-Dividend Alert Pop-ups

Click the 🔔 Alerts button next to the calendar title to configure a reminder modal that appears on your first dashboard visit each day, listing upcoming ex-dividend dates so you never miss a buy-by date. Settings:

• Portfolio ex-div alerts — on/off toggle for the stocks you own, with a scope choice of current portfolio or all portfolios. No per-ticker picking — it's the whole portfolio or nothing, by design.
• Watchlist ex-div alerts — a separate on/off toggle for tickers you watch but don't own. (The watchlist-only version of this panel is also reachable from the Watchlist tab.)
• Lead-time windows — for each source, pick any mix of 1 day before · 3 days before · 5 days before. Selecting multiple windows fires multiple reminders for the same ex-div date.
• Live preview — as you toggle windows, a list updates in real time showing every alert that will fire (Ticker · Ex-Div · Alert date). Collapses to 3 rows with a Show-more footer.

6 · Tool Box & 13 Portfolio Tools

The Tool Box is a one-click hub for 13 portfolio tools. Look for the toolbox icon labelled “Tool Box”:

• Desktop / large screens — in the Portfolio Summary projection-fidelity row, just under the headline tiles at the top of the My Portfolio card. Sits in the same row as the forward/TTM and projection pills.
• Phone / small screens — just above the search form, alongside the badge-key dropdown.

The 13 tools (alphabetical):

• All Transactions — full ledger of every buy / DRIP / sell / cash move.
• Basic Calculator — quick number-cruncher for ad-hoc math.
• Calendar — opens the Dividend Calendar (see section 5).
• Compare — launches the Compare modal (see section 4).
• DRIP Calculator — portfolio-wide projection at your blended CAGR. Set a Timeline (Years) between 1 and 50 (whole years only — 5, 10, 20, 40 — your call), a monthly contribution (with per-ticker allocation), a global price-growth knob, a global div-growth knob (seeded at your portfolio's 5-year CAGR ÷ 10), and a Tax Rate input (defaults to 15% — qualified-dividend bracket; type any non-negative number for honest after-tax projections).
• Export CSV — full portfolio export as a comma-separated file.
• Google / Excel Sheet — downloads a spreadsheet snapshot of your entire portfolio (same file as the button at the top of the My Portfolio card). Uses the DiviDrip .xlsx template — you can edit lots, prices, DRIP flags, cash transactions inside Excel or Google Sheets, then bring it back through Import (see below).
• Import CSV — a 3-step (Pick → Preview → Done) importer that handles four different input types:
  • Broker exports — Robinhood, Fidelity, Schwab, Vanguard, and other native formats are auto-detected. Buy / DRIP / Sell / cash-in / cash-out rows all map correctly, including IRA contribution codes (CFIR) and IRA Match deposits (MTCH) which land as outside-cash. Fuzzy-match suggestions clean up variants like BRKB → BRK.B.
  • DiviDrip Google / Excel Sheet template — upload the .xlsx file you downloaded from the tool above. Because it's a full-portfolio snapshot, the importer fires a destructive-reset confirmation dialog the moment you pick the file — this replaces your portfolio rather than appending.
  • Any other spreadsheet (previous tracker, custom broker) — if the format isn't recognized, the “Different brokerage? Map columns manually” link opens the Column Mapper. Point each DiviDrip field (Ticker, Shares, Cost/Share, Trade Date, Action, Notes, etc.) at the matching column in your CSV, preview the mapping, and import. Great for older brokerages the auto-detector has never seen.
  • Per-batch broker tag — an optional dropdown on the Preview step lets you tag every lot in this import with a single broker label. Feeds the Account Audit page (see Tax Lots below).
  Two safety features apply to every import: Skip Duplicates (already in your portfolio) is on by default, and if the import fails for any reason your existing data is left untouched.
• My Share Page — generate a shareable public link to your portfolio (you control what's visible).
• Rebalancer — sector / weight rebalancing suggestions.
• Tax Lots — read-only educational view of long-term vs short-term holdings + harvest candidates. Companion pages sit alongside it: Account Audit (a broker-tagged breakdown of every position with the per-broker filters set on Import CSV — useful when you have positions spread across 3+ brokerages and want a single roll-up), and Year-End Report (a tax-season summary of realized gains / losses, ordinary vs qualified dividend income, and NIIT exposure for the closing calendar year — designed to make your tax prep or CPA hand-off painless).
• What If? — portfolio-level simulator. Forward mode lets you add / remove positions, apply Quick Scenarios, dollar-cost average, toggle DRIP on/off, and project the portfolio forward. Reverse Mode flips the button to Run Backtest and replays your current portfolio across a past period to show how it actually would have performed (with or without DRIP) — including benchmark overlays.
• Year-End — year-end summary report for tax season.

7 · Dashboard Highlights

The main Dashboard is more than just the stock table. A stack of self-hiding widgets sits above it on the main stock view (they step aside while you have a search running, and don't render on the Portfolio, Watchlist or Calendar views). Each surfaces a different lens on the current market and your holdings, and every one of them disappears on its own when it has nothing to say. Top to bottom, exactly as they appear today:

1. Split Alert banner (only if a holding or watchlist name has a split coming)
2. Late-Cycle Warning banner (only when a labor-market rule fires)
3. Fed & Treasury Watch (Macro Context Strip + Macro Story)
4. Kings - Aristocrats - Achievers (Streaks Extended · Streaks At Risk · Cut From List)
5. Most Undervalued Right Now (heatmap strip)
6. Squeeze Radar
7. Top Dividend Movers
8. Market Movers News strip
9. Stage 2 Leaders - Minervini Trend
10. Capital Quality leaderboard Plus only

7.1Banners & the Macro Context Strip

• Split Alert banner — an amber bar at the very top of the page (Dashboard and Portfolio) whenever a stock in your Portfolio or Watchlist has an upcoming split. The most imminent ex-date is headlined and any others fold into a +N more chip. It pairs one-for-one with the bell alerts: Dismiss hides the banner for 3 days but keeps the bell entry; Remove clears both.
• Late-Cycle Warning banner — appears above the macro strip when any of four classic recession-tell rules fire on the latest labor data: Sahm Rule (3-month average unemployment ≥ 0.5pp above its 12-month low — historically ~5 months ahead of every recession since 1970), JOLTS decline (job openings ≥ 15% off the 12-month peak), Labor-force participation drop (≥ 0.5pp over 3 months), and Wage-growth deceleration (YoY hourly earnings lower for 3+ consecutive months). Confidence is HIGH if Sahm fires, MEDIUM if two or more of the others do, LOW for a single trigger. Dismissible for 24 hours; it re-appears the next day while the signal is live and the dismissal resets automatically when a new month of labor data lands.
• Macro Context Strip — a row of 10 macro cards: 10Y Treasury, 2Y Treasury, Yield Curve (10Y − 2Y), CPI YoY, Core PCE YoY, 10Y Breakeven inflation, 5Y5Y Forward inflation, Unemployment, Labor-force Participation, and S&P 500 Yield (via the SPY ETF). Each card shows the latest print with its date, the change versus the prior print, and a colored tint for its current state (green = tailwind, amber = neutral, rose = headwind). Nine of the ten carry a mini sparkline — roughly the last 30 trading days for the daily Treasury series, the last 12 months for the monthly series — with an end dot colored by the same tailwind / headwind read; the S&P yield card has none. On phones the strip scrolls sideways.
• Tap any card (phone or desktop) to open a “What it means” modal. If you're signed in and hold positions, a “What it means for YOUR portfolio” paragraph appears beneath the generic explanation — it reads the sector mix of your holdings (REITs, BDCs, banks, utilities, energy) and writes a 1–2 sentence personalized impact, naming your tickers.
• Macro Story — the green banner directly below the strip summarizes the current regime in plain English (e.g. “Inflation running hot, but long-term Fed credibility still intact”) with a one-line playbook for dividend investors. When today's tint fingerprint lands within 3 of 6 mismatches of one of five historical regimes (Late-cycle inflation squeeze 2022–23 · 1970s stagflation echo · Goldilocks 2013–15/17 · Recession onset 2008/2020 · Rate-hike cycle top 2018–19), a History says line names the closest match, how Dividend Aristocrats and SPY did through it, and a confidence pill — Strong (0–1 mismatches) · Approximate (2) · Loose (3).

7.2Market Movers News strip

A three-tile news band labelled MARKET MOVERS NEWS that sits directly under the Top Dividend Movers card and above Stage 2 Leaders - Minervini Trend. It pulls headlines for the tickers on today's Top Dividend Movers gainers and losers lists plus the top 20 gainers and top 20 losers from Massive's market-wide snapshot (warrants filtered out) — so a headline can surface for a dividend name or a non-dividend name, and each tile is tagged DIV or NON-DIV so you know which. News comes from Massive, Finnhub and FreeNewsApi, deduped by headline; Massive articles carry an insight-driven Why bullish / Why bearish / Why this matters box, FreeNews and Finnhub articles show their own summary, and every tile pairs Provider · Sentiment (Bullish · Bearish · Neutral) with the ticker's live OP: (open) / P: (last) prices and today's % change in green or red with an up- or down-arrow.

The three tiles are picked at random each minute but always target 2 Bullish + 1 Bearish from three different tickers, falling back gracefully — only 1 bullish in the pool → 1 Bullish + 2 Bearish, all bullish → 3 Bullish, and neutral fills any leftover slot. Massive articles are preferred over Yahoo when both cover the same ticker. The whole header bar (title · VIBE summary · “See all Gainers & Losers on the News Page”) is a single click target that opens the full Market Movers News page. A small Refreshed Xs ago counter ticks every second so you always know how fresh the data is; the strip auto-polls every 60 s during market hours, silently swaps tiles when the top-10 shifts, and drops a ticker's tile the instant it falls off the movers list.

On the Market Movers News page every ticker with news gets its own card with a coloured sticky pill header that follows you as you scroll — ticker name, DIV / NON-DIV tag, OP: / P: / % change, article count and VIBE mix — under a Top Market Gainers or Top Market Losers heading. Articles are listed newest → oldest regardless of whether they came from Massive or Yahoo; each row has an image thumbnail, publisher · timestamp, headline, description and the Massive insight when present. Tickers with no news in the 3-day window (rule: Mon–Wed look back 4 days, Thu–Fri 3 days, weekends look back to the previous Tuesday) drop off entirely. A ↑ Back to top link sits at the bottom-right of every ticker section. On phones the article rows scroll left-to-right per ticker so the sticky header stays anchored.

What is clickable. On both the strip and the News page the ticker is a button that opens that stock's public stock page (/stock/TICKER); everything else on a tile opens the article itself in a new tab. Each ticker also carries a ★ star — in the strip it sits beside the ticker chip, on the News page it replaces the dot at the front of the sticky pill — that adds or removes the stock from your Watchlist without leaving the page (signed-out visitors get the login prompt). Non-dividend tickers show a gold lock instead of a star: non-dividend names are a Plus feature, and tapping the lock opens the Plus explainer.

Pictures. When an article has no photo the tile shows the company's square icon (the same one at the top-left of the stock modal); if Massive has no icon it falls back to the company banner logo, and only then to DiviDrip's own trading-floor artwork — so tiles are never blank.

Weekends and market holidays. The exchanges publish no movers when they are closed, so both the strip and the page keep showing the last real session and say so with an amber banner — “Market closed for Labor Day — showing Friday's movers (Sep 4)” — using the holiday name from the exchange calendar (or “the weekend”). Fresh movers return automatically when the market reopens.

7.3Streaks Extended · Streaks At Risk · Cut From List

Three one-line chip strips tell the “what just happened to the streak lists” story top-to-bottom. All three only cover the curated Kings / Aristocrats / Achievers universe and each hides itself when empty:

• Streaks Extended (amber) — tier members whose most recent declared dividend was a raise within the last 60 days — any positive raise counts, not just the 10%+ that earns the RAISED badge in the table, because extending a 50-year streak by 3% is exactly the signal. Each chip shows the tier icon, ticker, raise %, the next payment (~amount · date) and an Add to Calendar icon that downloads an .ics event for that pay date. If you own the stock the chip turns emerald and gains a +$X/yr tag computed from your actual share count; a You hold N · +$X/yr roll-up pill sits in the header when that applies. Click a chip to open the Stock Modal.
• Streaks At Risk (yellow) — tier members whose last full calendar year of dividends didn't grow versus the prior year (≤ 0.5% change counts as flat). Each chip shows the YoY change and the two years compared (e.g. 2025 → 2026). It's a yellow flag, not an alarm — many recover — and it is deliberately conservative: capped at 30 names and limited to tickers whose Dividend Growth history has been loaded. Click a chip to open a chart-first modal with the full raise history.
• Cut From List (rose) — members removed from the Kings / Aristocrats / Achievers lists this quarter (a cut, a freeze that finally broke the streak, or an index change). The header counts them; each chip shows the former tier and how long the streak was (was 16y streak). Chips flagged FX? are foreign OTC / ADR names whose USD payout dipped because of currency conversion — click the amber chip to see the home-currency streak, which may still be intact, before treating it as a real cut. The same strip also appears, scoped to its tier, on each Challenge page.

7.4Most Undervalued Right Now

One row per tier (Kings · Aristocrats · Achievers) with the 4 highest composite-value scores in that tier, chips colored by the same green-to-red gradient the heatmaps use. Undervalued here means a high composite from the nightly heatmap engine: structurally cheap on the stock's own 3-year yield history (40%), technically oversold versus its SPDR sector ETF on a beta-adjusted 21-day basis (35%), and a dividend covered by free cash flow (25%) — with a hard value-trap floor whenever FCF payout runs ≥ 100%. Click the tier label to open that tier's free Undervaluation Heatmap page (/kings-heatmap, /aristocrats-heatmap, /achievers-heatmap), or click a chip to open the heatmap with that ticker's tile already expanded. The heatmap pages add a Chowder-rule read, a “distressed yield” flag (TTM yield ≥ 2.5× its 3-year mean) and a toggle between the composite, yield-vs-history and technical-dislocation views. Educational screen, not a buy signal.

7.5Squeeze Radar

A strip labelled SQUEEZE RADAR lists the day's short-squeeze candidates, rebuilt nightly (2:45 AM ET) across the most-traded and largest common stocks. The squeeze score is short interest as a % of float multiplied by days-to-cover; the verdict dots are Extreme (score ≥ 200), Elevated (≥ 100), Moderate (≥ 40) and Low. Up to 50 candidates scroll sideways, each chip showing SI % of float, days to cover and the last close (live price while the market is open); the ⚠ Most Extreme toggle flips the order to least-extreme first. The header shows when the snapshot was refreshed and how many candidates it holds; the strip hides itself entirely once the snapshot is more than 48 hours old rather than show stale data. Free accounts see the dividend-paying candidates and a +N non-dividend · Plus chip for the rest. The ? links to the /learn/short-squeeze-dynamics guide; clicking a chip opens the Stock Modal.

The strip only gives you the score — scroll to the bottom of the Stock Metrics tab for the workings. The Short Interest & Float card shows the FINRA settlement date, short interest with its change versus the prior bi-weekly settlement, days-to-cover, the average daily volume FINRA used for it, free float and its % of shares outstanding, the same Squeeze verdict pill (hover or tap it for the exact score math and thresholds), a 6-month SI trend line of bi-weekly points, and a How squeezes work link that brings you back to this stock when you hit Back. Below it, the Short Volume (Daily FINRA) card shows today's short volume ÷ total volume — coloured rose above 50%, amber above 30% — with a 30-trading-day ratio trend. One caveat printed on the card is worth repeating: FINRA short interest settles bi-weekly with a roughly 9-day lag, so brokers showing daily vendor estimates will disagree between settlements.

7.6Top Dividend Movers & Capital Quality leaderboard

• Top Dividend Movers — the day's biggest 1-day moves. A Gainers / Losers flip (both lists are fetched together, so flipping is instant), a Top 3 / 5 / 10 size toggle, a Leveraged checkbox (untick it to drop 2× / 3× leveraged ETFs so a 12% pop on a leveraged fund never crowds out a real signal) and a manual refresh. A Dividend / All / Non-Dividend segmented control picks the universe — the All and Non-Dividend pills carry the Plus lock and track independently of the stock table's own switch. Each row shows Ticker · Price · % Move · Volume · Yield with a ★ watchlist star; click a row to open the Stock Modal. Tickers not yet in our database wear an amber new tag and are routed to the admin review queue automatically. A blue News pill after a ticker means today's Market Movers News covers it — click it to jump to the News page, which scrolls straight to that ticker's stories. The lists auto-refresh every 60 seconds during the trading window and are remembered per trading day so the widget paints instantly on your next visit.
• Capital Quality leaderboard Plus only — the highest-ranked non-dividend stocks this week by the 4-factor Capital Reinvestment model (see § 11.2), rebuilt every Sunday at 3 AM ET, with week-over-week rank arrows, a Top 3 / 5 / 10 toggle and the same ★ star. Any name that also passes the Screener's Minervini SEPA Lite check wears the same RS 77 and amber Tight base badges next to its ticker — tap either for the eight-rule breakdown. Because the non-dividend universe is a Plus surface, the widget renders only for Plus accounts (admin until billing ships).
• Stage 2 Leaders - Minervini Trend Plus only — sits just above the Capital Quality leaderboard. Two columns drawn from the nightly Minervini scan: Longest-running Stage 2 (SEPA Lite passes that have held all eight Trend Template rules for 10+ scan days, longest streak first) and Fresh breakouts (names that entered Stage 2 within the last five scan days, newest first). Each row shows the ★ star, the tappable RS / Tight base badges, the sector, a tiny 90-day Trend Template pass/fail strip (green = passed, bright green = passed with the EPS gate too, red = failed — hover a bar for the date and RS rank) with its passed/total count, days in Stage 2 and the live price; a Top 3 / 5 / 10 toggle (default 3) and a Full list → link to the Screener preset round it out. The left column stays empty until the scan history is long enough for a streak to qualify.

8 · Journal & Learn Guides

Two educational surfaces that support the platform beyond the raw data — a personal journal that turns your buys / sells / observations into a searchable trade diary, and a growing library of long-form guides that unpack the concepts DiviDrip surfaces everywhere else.

8.1Journal

The Journal is for free-form notes and structured entries per ticker. When you create an entry you pick one of six types:

• Thesis on Add — why you bought.
• Thesis on Sell — why you sold.
• Dividend-Cut Note — record of a cut or freeze and your reaction.
• Ex-Div Week — observations during a payout window.
• Free Note — anything else worth remembering.
• Periodic Review — the body of a Weekly or Monthly Review check-in (see below).

A seventh type, JNL Starter, is auto-generated when you import a Robinhood JNL row that lacks context — it lands in your journal as a draft for you to fill in. You can't pick this type yourself in the entry editor.

The Journal page also shows a Weekly Review and Monthly Review check-in button that lights up DUE on cadence. Clicking it opens a guided modal that saves a journal entry tagged weekly-review or monthly-review, with prompts for what happened, what you'd do differently, and your overall feeling — handy for a structured monthly self-review.

8.2Conviction vs Outcome chart

Once you have 20 entries that include both a ticker AND a conviction value, the Journal unlocks the Conviction vs Outcome chart. It plots how your high-conviction trades actually performed. Most investors find their conviction is barely correlated with returns — useful, painful truth.

8.3Learn Guides — the deep-dive article library

/learn is a library of long-form educational guides that unpack the concepts DiviDrip surfaces across the app. Every guide is grounded in the same data model the rest of the site uses, and cross-linked back to the relevant tabs / widgets. Everything below is read live from the same registry the Learn page uses, so the counts and titles here are always exactly what's published.

How the library is organised. Three libraries stacked on one page: the Dividend library first, then a neutral Splits, Spin-Offs & Corporate Actions section that applies to every investor, then the Non-Dividend library. A search box at the top filters all guides by title, blurb or tag. On a computer every guide page carries a persistent left sidebar listing all sections and guides with a “You are here” marker; on a phone the sidebar becomes a left-to-right scrolling pill strip at the top of the guide. Each guide shows an estimated read time, is mobile-friendly, and is free — where a guide relates to a paywalled surface (e.g. Capital Analytics), the paywall gates the interactive tool, never the education.

9 · Site Navigation

9.1Header & navigation buttons

• Header logo & wordmark — the DiviDrip image and the “DiviDrip” text in the top header act as the home button. Click either one from any page to return to the main dashboard.
• Back / Home combo button — every sub-page (Tax Lots, Triangle, Shared Portfolio, Journal, Screener, etc.) carries a single button at the top-left that acts as both Back and Home depending on context. The dashboard itself doesn't show it (you're already home).
• Header action pills — My Portfolio, Watchlist, Journal, theme toggle, and sign-in / sign-out.

9.2Keyboard shortcuts

Keyboard support is intentionally minimal — most interactions are designed for mouse + touch:

• Esc — closes any open modal (Stock Modal, Calendar event modal, Compare, Review, Calculator, Journal entry editor, etc.). On sub-pages with the Back/Home combo button, Esc also triggers Back when no modal is open.

Inside the Stock Modal, switch tabs by tapping the tab strip on desktop or swiping left / right on mobile — see 9.4.

9.3Light / dark mode

The header carries a three-button segmented toggle — ☀ Light · 🖥 Auto · 🌙 Dark. Light and Dark override everything. Auto is market-aware: it shows Light during US stock-market hours (Mon–Fri 9:30 AM – 4:00 PM, local time) and Dark outside those hours — evenings, overnight, and full weekends. The switch happens automatically at the open and close bells. The choice persists per browser. The DiviDrip wordmark gradient adapts for contrast in both modes. (The public landing page /landing/1 is brand-locked dark — the toggle is hidden there by design.)

9.4Mobile gestures

• Swipe left / right inside the Stock Modal to walk through the tabs in order. A one-time chevron hint appears on first touch use, then stays out of your way.

10 · Glossary & Privacy

New to dividend investing? The Glossary defines every term DiviDrip uses (ex-div, DRIP, yield-on-cost, CAGR, payout ratio, qualified vs ordinary, etc.) in plain English, with cross-links so the moment you hit an unfamiliar word you can jump straight to its entry. Every dotted-underline abbreviation across the app (the AbbrTip pop-ups) carries a Glossary → link: the first click opens the Glossary in a second browser tab, scrolled to that definition's anchor; every later glossary link — from any tab, pop-up or the Stock Modal's Glossary button — reuses that same tab and jumps it to the new definition instead of opening yet another tab, so your place in the app is never lost.

With 311 terms (counted live from the glossary itself) the page can be a long scroll, so a search box sits at the top. It matches term names, common aliases, and definition text as you type — even abbreviation-style queries work (“ytrap” finds Yield Trap). A live match counter shows how many terms fit, the A–Z jump bar greys out letters with no matches, and one click on the ✕ (or the reset link) restores the full glossary.

Our Privacy Policy spells out exactly what data we store — your email + bcrypt password hash (or Google profile data if you sign in with Google), your portfolio lots and transaction history, your watchlist and pins, your journal entries, your monthly income goal, and any public-share slug you create. DiviDrip never asks for or stores your brokerage login or API credentials; the app is read-only and nothing trades on your behalf. You can hard-delete your account (and everything we have on you) yourself from the Privacy Policy page once signed in, or by email.

11 · Deep-Dive Modal Tabs Plus only

Four Stock-Modal tabs go well beyond the standard Dividend Info / Stock Metrics / Financial Health trio. Two of them (Growth and Capital Analytics) replace the dividend tabs whenever the ticker is a non-dividend stock — they appear for anyone who opens such a ticker (a growth holding in your Portfolio, for example), but Growth only shows once Massive has revenue or EPS history for the company and Capital Analytics only once the weekly ranking model has scored it. Browsing the non-dividend universe (the All / Non-Dividend switch) is the part that carries the DiviDrip Plus lock. The other two tabs (10-K / 8-K / Risks and Insider & Institutional) are Plus-gated on every ticker, dividend or not. A fifth capability, Star-a-Filing, isn't its own tab — it's a pin function that lives inside the 10-K / 8-K / Risks tab and threads through to your Watchlist.

11.1The Growth tabNon-div only

The Growth tab is the non-dividend answer to Div Growth. When a stock has no dividend history to chart, we swap in the two fundamentals that do compound for equity-only holders — revenue and earnings per share — and score them on the same rigor as the dividend growers.

• Four headline stat cards at the top of the tab: Revenue CAGR (compound annual growth over the full revenue history we hold — the span in years is printed under the number), Latest Revenue (most recent fiscal year), EPS CAGR (same idea for diluted EPS — shows “—” when the start or end year is a loss, because a growth rate across negative earnings isn't defined), and Latest EPS. CAGRs are green when positive, rose when negative.
• Two annual bar charts — Annual Revenue (up to 7 fiscal years) and Diluted EPS (the years available; the chart title states the count). Hover or tap any bar for the exact value plus the year-over-year percent change vs. the previous bar (green ↑ / rose ↓). Negative EPS bars drop below the zero line.
• Quality Score Breakdown — the flagship card on this tab. Seven signals earn points that add up to a 0–100 growth-quality score with a tier label — G-S 85+, G-A 70+, G-B 55+, G-C 40+, Speculative below 40. Each row shows the input value, a bar, and its earned / maximum points:
  • Revenue 3-yr CAGR — up to 25 pts (25 at ≥ 20%/yr · 18 at ≥ 10% · 12 at ≥ 5% · 6 if merely positive).
  • EPS 3-yr CAGR — up to 20 pts (20 at ≥ 20%/yr · 14 at ≥ 10% · 8 at ≥ 5% · 4 if positive).
  • Return on Equity — up to 15 pts (15 at ≥ 20% · 10 at ≥ 10% · 5 at ≥ 5%).
  • Free Cash Flow — up to 15 pts (15 when positive FCF is ≥ 5% of market cap · 10 when merely positive · 0 when negative).
  • Debt / Equity — up to 10 pts (10 under 0.5 · 7 under 1.0 · 4 under 2.0 · 0 above 2.0 or with negative equity).
  • Trailing P/E — up to 10 pts (10 under 15 · 7 under 30 · 3 under 60 · 0 above 60 or with no positive earnings).
  • Gross Margin (TTM) — up to 5 pts (5 at ≥ 50% · 3 at ≥ 25% · 1 at ≥ 10%).
  Growth therefore carries 45 of the 100 points, profitability 30, balance sheet and valuation 20, margin 5. A missing or negative input scores 0 — it is shown as “—” but it does hold the score down, so a company with no EPS history can't reach G-S. Scores are re-computed on the weeknight (Mon–Fri, 2 AM ET) admin chain from Massive Ratios + Income Statements; this is the same score behind the G-tier pill on every non-dividend row and the Min Growth slider on the Screener.

11.2The Capital Analytics tabNon-div only

Capital Analytics is the deep-dive quantitative valuation panel for non-dividend stocks — an equity-quality workbench built around a proprietary Capital Reinvestment Score (0–100, sector-relative) and a plain-English BUY / WATCH / AVOID verdict. The score is rebuilt by the weekly admin chain every Sunday at 3 AM ET from Massive financial statements, SEC XBRL stock-compensation facts and a battery of forensic accounting checks; the footer of the tab prints the model-run date, the size of the ranked universe and the sector used for peer comparison. Every card is designed to be readable on its own, but they stack into a coherent thesis when read in order:

• Capital Reinvestment Score (header card) — the big number (a 1–100 percentile rank against every other ranked non-dividend stock), a week-over-week delta pill, the verdict badge (BUY / WATCH / AVOID) with its label (Market alpha · Elite compounder · Efficient operator · Above average · Stagnant mediocrity · Capital destroyer · Systemic risk), and auto-generated bullets explaining why the score is what it is. A stock whose growth metrics are “not meaningful” (see Rule of 40 below) is capped at WATCH even if its percentile would say BUY. An expandable Rank Breakdown shows the raw four-factor composite (shareholder yield, CFROI, operating momentum, Altman Z) and exactly how much the forensic gate and each failed checklist item subtracted.
• Capital Allocator Checklist — five pass/fail gates borrowed from institutional-quality frameworks: (1) Shareholder Yield + Revenue CAGR > 12%, (2) CFROI > 15%, (3) Dilution restrained (share count YoY < 1.5%), (4) Operating Momentum positive, and (5) Altman Z above distress (> 1.23). Each failure subtracts from the composite before ranking, so the checklist and the score can't disagree. The summary line reads Strong capital allocator at 4–5 passes, Mixed signal at 3, Below threshold at 2 or fewer.
• Our Take — one paragraph of plain-language commentary templated off the ticker's actual numbers, followed by What changes our mind: the three triggers that would flip the view (Net Shareholder Yield turning negative, Modified Altman Z falling below 1.23, Beneish M-Score crossing above −1.78).
• Capital Reinvestment Triangle — a three-spoke radar chart plotting Revenue CAGR, ROIC, and Shareholder Yield as sector-relative percentiles (50 = median peer, 90 = top decile), converted from the model's sector-neutralised z-scores. The raw percentage and percentile for each spoke are printed under the chart; tap or hover the chart for the tooltip.
• Forensic Safety & Momentum — four rows, each with a coloured range bar: Modified Altman Z (Distress below 1.23 · Grey to 2.99 · Safe above), Beneish M-Score (Clean below −2.22, watch to −1.78, Flag above), Operating Momentum (Expanding above 0 / Contracting), and Share Float YoY (Shrinking / Expanding, with ≤ −1.0% as the buyback-is-real line).
• Buyback Effectiveness — loads with the tab and scores what percentage of gross buyback dollars actually shrank the diluted float (float-reduction value ÷ gross buyback spend × 100). Roughly 50%+ reads as effective, 25–50% as mixed, under 25% as a “dilution leak” where option grants and stock comp absorb the repurchases. Cached 7 days per ticker. Includes an explainer tooltip.
• Rule of 40 — three tiles: the classic FCF variant (Revenue Growth % + FCF Margin % ≥ 40%), the stricter Operating variant (Operating Margin instead of FCF), and the SBC-adjusted FCF variant, which subtracts the SEC-filed stock-based compensation that GAAP adds back into cash flow — pass the first and fail the third and growth is being funded by diluting you. Green when passing, amber near threshold, rose when failing. Shows “Not meaningful” instead of a number when either year's revenue is under $5M or revenue jumped more than 4× (a one-off milestone, not a run-rate).
• Shareholder Alignment — the “alternative yield” card for non-div names. Net Shareholder Yield, ROIC, CFROI and Revenue 3-yr CAGR each shown with a range bar against the model's hurdle (0%, 10%, 15% and 5% respectively), plus the 5-day VWAP market cap the model used. Two warnings can appear at the bottom: Dilution Leak Warning (buyback cash isn't shrinking the float) and Forensic Gate Triggered (composite cut 80% for an Altman-distress or Beneish flag).
• AI Thesis — an on-demand Generate Bull vs Bear thesis button. When you press it, Gemini 3 Flash writes a Bull Case / Bear Case breakdown grounded in the factor numbers above; the result is cached for 7 days per ticker so everyone sees the same text until it expires. Not financial advice.
• Minervini Trend Template — the last card in the tab. It grades the stock against all eight of Mark Minervini's Trend Template rules for a Stage-2 uptrend with green check / red cross marks (price above the 50/150/200-day averages, 50 above 150 above 200, 200-day rising for a month, at least 30% above the 52-week low, within 25% of the 52-week high, relative-strength rank 70+). A verdict pill at the top-right reads Passes Minervini SEPA Lite (all eight plus latest-quarter EPS up ≥20%), Passes the Trend Template (eight rules, weaker earnings) or Fails the Trend Template · N of 8. Five tiles underneath: RS rank (1–99 across every non-dividend common stock), Days in Stage 2 (scan days the stock has held all eight; a “Held Stage 2 since…” line gives the date), a pass / fail strip of the last 90 nightly scans (green = passed, bright green = passed with the EPS gate too, red = failed; hover a bar for the date and RS rank) so you can see how steady the uptrend has been, Off 52-wk high, EPS YoY for the latest quarter (with an accelerating / not-accelerating note), and Tight base — the VCP contraction proxy. It works for every non-dividend stock, not only those in the Screener's Minervini SEPA Lite preset; a stock that has never been scanned is graded on the spot and its RS rank fills in after that night's scan. The same facts are handed to the AI Thesis so the Bull / Bear brief can speak to trend and timing, and a watched stock that newly passes overnight triggers a New Stage 2 notice in the header bell (configurable from the Watchlist's Alerts button; see § 2). Full method in the Minervini guide.

Because the score is sector-relative, a 72 in Utilities is not the same universe as a 72 in Semis — the model always ranks against peers first, so the verdict never rewards a tech stock for having 30% margins that are actually below its sector median. That's the whole point of the framework.

11.3The 10-K / 8-K / Risks tab Plus only

Open any stock's modal and tap 10-K / 8-K / Risks. The tab loads in three staggered panels, fastest first:

• Recent 8-K Material Events (top, loads first) — the last 10 8-K filings, each with its Item-code chips and a category badge — Earnings (Item 2.02), Leadership (5.02), M&A (1.01 / 2.01), Material (8.01) or Other. When more than one category is present a chip bar lets you filter the list to one. Read more expands the summary; View filing opens the full document in the in-app reader — no jumping to sec.gov.
• Latest 10-K Sections — Business Overview (Item 1) and Risk Factors (Item 1A) from the most recent 10-K, shown as expandable previews with the full filing one tap away in the in-app reader (Copy · Print · PDF · Source-on-SEC.gov · close).
• Risk Factors panel — up to 100 standardised Item-1A risk rows (Massive's taxonomy), with a category chip bar when more than one primary category is present. A YoY Disclosure Trend mini-chart at the top (only for tickers with two or more filing years on record) shows how each category's row count moved between this 10-K and last year's — rising counts (rose) suggest more risk being braced for; falling counts (emerald) suggest something resolved. Tap any bar to filter the row list to that category. See the full taxonomy in the Risk Factors glossary entry.

11.4The Insider & Institutional tab — and the Smart-Money Crossover badge Plus only

The Insider & Institutional tab stitches three SEC datasets into a single narrative — how much of the company each insider started with, every move they've made since, and who else on Wall Street is holding it right now:

• Initial Insider Positions (Form 3) — the baseline stake each insider held the moment they became subject to Section-16 reporting (took a board seat, was named an officer, or crossed the 10% owner threshold). Sorted by shares owned descending, with a Direct vs. Indirect ownership chip on each row (indirect = held via family trust, LLC, or foundation — usually a long-term estate-planning signal, not a tactical entry). Especially powerful on newly-listed companies and post-IPO issuers where you can see the founder's original skin-in-the-game at day zero. Capped at 10 visible rows with an expand toggle for legacy issuers with dozens of insiders.
• Recent Insider Trades (Form 4) — open-market buys and sells by executives, directors, and 10% owners over the last 90 days, reported to the SEC within 2 business days. Option grants and tax withholdings are hidden by default so the list is only real buying and selling. Each row shows the insider's name, role, shares, dollar value and a link to the filing. A summary strip at the top counts Buys (30d), Sells (30d) and Net $ (30d), and fires a Cluster Buy or Cluster Sell tag when three or more different insiders traded the same direction in those 30 days.
• Top Institutional Holders (Top 13F) — the largest professional investors holding the stock, pulled from the quarterly 13F filings every fund with $100M+ in assets must submit. Top holders ranked by market value. ★ flags famous investors — the current curated list covers Berkshire Hathaway, Renaissance Technologies, Citadel, Two Sigma (both entities), Bridgewater, Pershing Square, Tiger Global, Third Point, Elliott, Lone Pine, Viking Global, and Appaloosa. Click any famous-investor name to drill into their full portfolio.

Where a ticker has a dual-class sibling (GOOGL/GOOG, BRK.A/BRK.B, BF.A/BF.B, FOX/FOXA, NWS/NWSA), a violet Dual-class family view banner appears at the top of the 13F table — the holdings roster automatically merges both share classes so Berkshire's Apple stake surfaces on both AAPL and any sibling class, and rows sourced from the other class show a small via GOOG chip.

When 3 or more famous holders all hold the same ticker, a Smart-Money Crossover badge fires at the top of the tab:

• Smart-Money Crossover — 3 to 4 famous holders (consensus tier).
• High-Conviction Crossover — 5 or more famous holders.

The badge shows the crossover count, combined market value of the famous positions, and clickable chips for up to 8 famous holders — click any chip to jump straight into that filer's full portfolio. On tickers where we have a prior snapshot at least 45 days old (roughly one quarterly filing cycle), a trend chip also appears:

• ↗ BUILDING · +N — famous-holder count grew by 2 or more since the prior snapshot. Consensus is thickening.
• ↘ FADING · −N — famous-holder count fell by 2 or more. Smart money is quietly stepping back.
• No chip appears when the count moved by 0 or 1 (below the noise threshold).

Treat the badge as a signal, not advice. Famous managers can be wrong; use the badge to surface names worth a closer look, never as a buy trigger. The whole tab is cached for 7 days per ticker (13F data only changes quarterly), so a second open is near-instant; a How this works panel at the top explains the SEC sources.

11.5Star-a-Filing — a pin function inside the 10-K / 8-K / Risks tab Plus only

Star-a-Filing isn't its own tab — it's a lightweight pin control that lives on every 8-K row and every 10-K section header inside § 11.3. Click the ★ and three things happen:

• The filing is saved to your personal “pinned filings” list.
• If the ticker wasn't already on your Watchlist, it's auto-added (and the header “Watchlist N” counter bumps).
• The matching ticker row on the Watchlist page (My Lists → Watchlist) grows a Starred Filings · TICKER · N pinned strip showing every starred filing as a clickable bar.

Click a starred-filing bar on the Watchlist to expand it inline — the in-app SEC reader opens with Copy / Print / PDF / Source / red X controls, no full-tab takeover, no leaving the watchlist context.

Un-starring works two ways:

• Click the ★ on the strip row (in front of the chevron) — instant removal.
• Click the same ★ back in the Stock Modal's tab — same result, the two surfaces share state.

12 · Specialized Pages

Beyond the Dashboard, Screener and Stock Modal, DiviDrip has a set of stand-alone research pages, each built around one question. Most are linked from the site footer at the bottom of every page; the two newest are also reachable from the Dashboard and the Screener's Strategies dropdown.

12.1Mega Tier Undervalued Stocks

Mega Tier Undervalued Stocks hunts for financially sound quality companies at deep-value prices by running every operating company through a three-stage funnel, recomputed weekly from annual filings. Financials, utilities, REITs, BDCs and all fund wrappers are excluded because the EBIT math does not describe them. The Dividend / All / Non-Dividend switch at the top is the same one used on the Screener (All and Non-Dividend carry the Plus lock), and the page remembers which side and stage you were on when you come back.

1. Stage 1 · Quality + Value rank. Each company is ranked on Return on Capital (EBIT ÷ net PP&E + working capital) and on Earnings Yield (EBIT ÷ enterprise value). The two ranks are added; the best 20% move on. The table is sorted by this combined rank, best first.
2. Stage 2 · Graham checks. Five of Benjamin Graham's defensive price tests — P/E ≤ 15; P/B ≤ 1.5 or P/E × P/B ≤ 22.5; current ratio ≥ 1.5; long-term debt ≤ working capital; positive earnings two years running. At least 4 of 5 must pass.
3. Stage 3 · Piotroski F-Score. Nine yes/no accounting tests against the prior fiscal year (profitability, leverage & liquidity, efficiency). A score of 7 or better makes the Elite list.

The funnel boxes under the switch show how many stocks survive each stage; click any box to view that stage's survivors. The dot buttons — a bordered group of 5 dots in the Graham column and 9 in the F-Score column — are green for pass, red for fail, grey for no data. Tap a group to open a breakdown modal: every test with PASS / FAIL, what it measures, what it needs and where the stock actually sits (e.g. ROA 9.7% vs 4.8% prior year), plus buttons to open the stock's page or Stock Modal. Column headers carry a small ⓘ — tap one for a plain-English explanation of that column. An NCAV/sh column shows Graham's net-current-asset value per share with a NET-NET badge when the price is at or below two-thirds of it. Stocks on the Elite list wear a Mega Tier Elite badge in their Stock Modal header until they drop off. Background reading: Graham + Piotroski — Deep Value Without the Traps.

12.2Market Movers News

The Market Movers News page is the full version of the three-tile strip on the Dashboard (§7.2). Every ticker on today's gainers and losers lists that has news gets its own card under a Top Market Gainers or Top Market Losers heading, with a coloured sticky pill header (ticker, DIV / NON-DIV tag, OP: / P: / % change, article count, VIBE mix) that follows you as you scroll. Articles are ordered newest → oldest regardless of source; on phones they scroll left-to-right per ticker. Deep links from the Dashboard's blue News pills land you directly on that ticker's card. On weekends and market holidays the page and strip show the last session's movers and say so in a banner.

12.3Research hubs (footer links)

• Dividends by Sector — every sector's payers with yield, streak and quality context so you can see where income actually comes from.
• Foreign & ADR Payers — international companies listed in the U.S., with withholding-tax notes and the native-currency dividend check for ADRs whose payouts only look cut because of exchange rates.
• Money Market Yields — the 7-day yields of money-market funds side by side, for parking cash.
• Canadian Payers — Canadian dividend stocks tradable from a U.S. account, with the 15% treaty withholding explained.
• Covered Call ETF List — the option-income ETFs (JEPI, JEPQ, QYLD and friends) with distribution yield, frequency and the trade-off they make.
• CEF Strategies — Full Reference — every Morningstar closed-end-fund strategy bucket used by the Screener's CEF filter, defined.
• Warrant Screener — a separate screener for stock warrants with their own columns: exercise price, underlying, expiry and redemption date.
• Founder-Led Stocks — companies still run by a founder, with a one-click “open in Screener” preset.
• IPO Watch — recent and upcoming listings that pay, or say they will pay, a dividend.
• True Return Chart — pick 2 to 4 tickers and see what $10,000 became in today's dollars: split-adjusted price, every dividend reinvested on its ex-date (untick Drip On for price-only), then deflated by CPI-U. Switch 1y / 3y / 5y, hover or touch the chart for the amounts on any day, save up to five combinations, or start from a ready-made pair such as SCHD vs VOO.

[ DIVIDRIP // HOW TO // v9 // 2026.09 ]