One more key ingredient in the MaxDividends System

Meet the Financial Score – your ultimate metric for selecting top stocks  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

⭐️ Members-Only Advanced Insight Confidential • Not publicly available 5 days of Premium left — lock in everything you see - with 25% off your annual plan → Hey, Max here — glad you’re with us. As the founder and CEO of BeatMarket (beatmarket.com) and MaxDividends, I actively use our platform’s innovations to make investment decisions. At MaxDividends, we apply the Financial Score in the final stage of stock selection, choosing only companies with a score of 80 or higher. Today, I’d like to dive deeper into what the Financial Score is and why it matters. 💡 One More Secret Ingredient for the MaxDividends Strategy Meet the Financial Score – your ultimate metric for selecting top stocks for your portfolio. What Is the Financial Score? The Financial Score is a rating system that evaluates a company's fundamental strength. It ranges from 20 to 99, with higher scores indicating stronger, more reliable companies. Stocks with a score of 80+ are considered high-quality investments, while those rated 50 or below are seen as weaker choices. This score allows you to efficiently filter thousands of stocks and build investment strategies that maximize returns. Global vs. Local Scores The Financial Score consists of two components: Global and Local. The Global Score measures a company's strength on a worldwide scale, while the Local Score evaluates its performance within its home country. Both scores use the same metrics but are ranked separately, helping you identify market leaders at both global and local levels. MaxDividends App (included in Premium) Coverage and Methodology Our team analyzes over 20,000 companies worldwide, covering: North America: USA, Canada Europe: UK, Finland, Sweden, Norway, Denmark, France, Italy, Spain, Germany, Poland, Netherlands, Belgium, Portugal, Ireland Asia & Oceania: Japan, Australia, China, India We collect financial data daily and review 25 years of historical reports to ensure thorough and accurate evaluations. This long-term perspective allows us to assess a company’s resilience during economic downturns. The Financial Score Consists of 3 Key Components 1. Growth Evaluation We analyze key financial metrics, including sales, operating profit, net income, earnings per share, return on equity, and their trends over time. Understanding whether a company is growing and evolving—or stagnating and incurring losses—is essential for making informed investment decisions. MaxDividends App (included in Premium) MaxDividends App (included in Premium) 2. Dividend Policy Evaluation A company’s approach to dividends reflects its transparency and management strength. At MaxDividends, we assess: Whether the company pays dividends Dividend trends and payment frequency Whether dividends come from current income rather than past profits or debt Dividend per share and the percentage of profit allocated to payouts A well-structured dividend policy—whether through consistent payments, regular increases, or reinvesting all funds into growth—indicates strong, strategic business management. MaxDividends App (included in Premium) We also consider share buyback programs. When a company repurchases its own shares, it signals management’s confidence that the stock is undervalued. MaxDividends App (included in Premium) 3. Stability Evaluation This section measures the company’s overall financial health, including: The ratio of total assets to total liabilities The ratio of current assets to current liabilities Debt-to-equity ratio Growth sustainability A financially stable company maintains a strong cushion to navigate market downturns and continue operating effectively during economic crises. MaxDividends App (included in Premium) MaxDividends App (included in Premium) Scoring System: Growth – Dividend – Stability Each section—Growth, Dividend, and Stability—has a maximum score of 5 points. If a company meets all top-tier business criteria, it earns a total of 15 points. The system then ranks companies and converts this evaluation into the Financial Score: The Global Financial Score ranks companies worldwide. The Local Financial Score ranks companies within a specific country. Why This Matters Buy Strong Businesses, Sell Weak Ones Historically, companies with a Financial Score of 90+ have significantly outperformed those with lower ratings. See how high-rated stocks (90+) compare to lower-rated stocks (60 and below) in terms of performance. the USA broad market, 4,500+ stocks, equal-weighted. Comparison since Financial Score launch (2021–2024). Canada broad market, 1,000+ stocks, equal-weighted. Comparison since Financial Score launch (2021–2024). Japan broad market, 3,500+ stocks, equal-weighted. Comparison since Financial Score launch (2021–2024). Stock Scoring & Dividend Behavior Since September 2025, we’ve been tracking every dividend increase and cut among U.S. companies that have paid dividends for 10 years or more without interruption. For each event, we record: the MaxDividends Financial Score at the time of the increase the score at the time of a cut or suspension and the size of the dividend change Why do we do this? Because when your goal is growing passive income, there are really only two situations where selling a company makes sense. First — when a company meaningfully cuts or cancels its dividend. Second — when the business stagnates for an extended period, even if the dividend hasn’t been cut yet. In those cases, capital is often better redeployed into stronger businesses. To evaluate business quality in a clear and consistent way, we use a single metric: the MaxDividends Financial Score. It’s a composite score based on multiple financial factors, calculated using our internal formula. The maximum score is 99. The higher the score, the stronger and more predictable the business The lower the score, the less certain future results become Within the MaxDividends framework, companies with a score below 80 already require closer, more careful analysis. We believe this is a transparent and practical way to show why financial quality matters when making dividend decisions. Here’s what the data shows so far. What We’ve Observed (Upd 03\27\2026) Since launching dividend event monitoring in U.S. stocks (September 2025): 852 total dividend events recorded 278 dividend increases 6 dividend cuts Companies that raised dividends Average Financial Score: 91 138 increases from companies with scores 90+ → average increase: +7.59% 117 increases from companies with scores 80–89 → average increase: +5.93% 19 increases from companies with scores below 80 → average increase: +4.36% In other words, about 90% of all dividend increases came from companies with scores above 80. Companies that cut dividends Average Financial Score: 73 Among companies with scores below 80: 67 total events 19 increases 6 cuts That translates to a ~11% probability of a dividend cut or suspension in this group. Among companies with scores 80 and above: 785 total events 255 dividend increases only one dividend cut That’s a cut probability of just 0.12% so far. We’ll continue collecting and publishing this data and updating it quarterly. Later, we’ll also launch a public page where this tracking can be followed over time. Why does this matter? Because dividend investing isn’t just about yield — it’s about business quality first. 5 days of Premium left — lock in your access here → Lock in everything you see — with 25% off your annual plan Plus a printed copy of The 5 Timeless Rules of Dividend Investing — a $69 Amazon bestseller — included as a gift 🎁, as part of this exclusive limited-time offer. ⭐️ Keep Full Access ⭐️ 👉 What’s included in your Premium: • Full access to the MaxDividends App — your navigator, with no limits • The full MaxDividends Income System (stock ideas, breakdowns, Buy/Hold/Sell lists, my watchlist) • The environment — a group of like-minded investors, many already living off dividends • Private webinars, AMA sessions, deep-dives, and Premium community access   Update your email preferences or unsubscribe here © 2026 BeatMarket Oy - MaxDividends PL 764 00101 Helsinki Finland / 3315192-1 Helsinki, Helsinki 00101, Finland Terms of Service