---
name: dividend-investing
description: "Dividend stock research, analysis, and ex-dividend alerting across A/HK/US markets. Covers: dividend history analysis (yield, growth, payout ratio), pre-ex-dividend day alerts via cron job, yield-vs-financing-cost arbitrage calculations, and record date tracking. Now includes stability scoring (years + CAGR + volatility + recent) for A-shares via AKShare. Push output uses horizontal markdown tables (4-8 cols, user 2026-07-29 preference) with 次/年 + 连续(年) + vs MA50 enrichment. Not for short-term trading entries — this is the dividend-side analysis mindset."
version: 1.2.0
author: Hermes Agent
license: MIT
platforms: [linux, macos]
metadata:
  hermes:
    tags: [trading, dividends, stocks, a-shares, hk-stocks, us-stocks, cron, dividend-stability]
    related_skills: [tonghuashun, longbridge-python-sdk, stock-analysis]
scripts:
  - "scripts/dividend_alert.py: 'Daily dividend scan. Cron jobs (id `789a7710b1cf` A股+港股, `366934c1474c` 美股) call `scripts/dividend_alert_cn_hk.sh` and `scripts/dividend_alert_us.sh` (proxychains4 + 过滤 [proxychains] 日志). Contains score_dividend_stability() with _stability_cache per symbol per run. Edit here in skill repo to update.'"
  - "scripts/dividend_alert.py is a duplicate under ~/.hermes/scripts/ (cron path). Keep both in sync — cron uses absolute path /home/openclaw/.hermes/scripts/dividend_alert.py (rule: skill scripts under skills/, cron scripts under ~/.hermes/scripts/)."

references:
  - dividend-yield-rate-sort: "分红扫描按股息率% 倒序(用户偏好 2026-07-13)"
  - fill-gap-timing: "填权时间线数据 + 抓取分析"
  - dividend-yield-arbitrage: "股息率 vs 融资成本套息"
  - cron-schedule-and-push-timing: "cron schedule / Beijing-time push timing (why 11:00 BJT)"
  - dividend-stability-score: "5 维评分 (派息年数/CAGR/波动/最近/连续) 综合稳定性 0-100 + 5 星等级; 数据源 akshare stock_history_dividend_detail(indicator='分红'); 缓存避免重复查询; 2026-07-22 新增"
  - cn-dividend-buy-timing-pool: "Manual HIGH_DIVIDEND_POOL list (17 A-share blue chips) + 综合评分公式 `score = annual_yield + stability_bonus` where stability_bonus = (stability - 2) * 2.0 (stab=3 → +2%, stab=2 → 0, stab=1 → -2%). 用户 2026-07-29 反馈纯 yield 排序把 招商银行(5%)/伊利股份(4%)/长江电力(4.5%) 挤出去, 加 stability bonus 后这 3 票稳定进 top 15。脚本: ~/.hermes/scripts/cn_dividend_buy_timing.py (cron 任务待接入)。脚本里 stability 字段: 3=连续5年+稳定, 2=连续3年, 1=波动。"
  - akshare-dividend-history-and-push-enrichment: "AKShare 两套历史股息 API (A 股 stock_history_dividend_detail + 港股 stock_hk_dividend_payout_em) + push 字段扩展模式 (次/年 + 连续(年) + vs MA50) + ⚠️ ma_off double-*100 bug 教训 + 数据累积+循环外拼表模式 + 名称行单独存在。2026-07-29 实战 + 2026-07-30 加 ma_off bug fix。适用所有 dividend_alert 类推送。"
references:
  - dividend-yield-rate-sort: "分红扫描按股息率% 倒序(用户偏好 2026-07-13)"
  - fill-gap-timing: "填权时间线数据 + 抓取分析"
  - dividend-yield-arbitrage: "股息率 vs 融资成本套息"
  - cron-schedule-and-push-timing: "cron schedule / Beijing-time push timing (why 11:00 BJT)"
  - dividend-stability-score: "5 维评分 (派息年数/CAGR/波动/最近/连续) 综合稳定性 0-100 + 5 星等级; 数据源 akshare stock_history_dividend_detail(indicator='分红'); 缓存避免重复查询; 2026-07-22 新增"
requires:
  - python3 + akshare (pip install akshare)
  - python3 + requests (stdlib)
  - python3 + pandas (pip install pandas)
  - For US stocks: internet access to api.nasdaq.com (no API key needed)
  - For A-shares stability: AKShare (installed)
  - Cron job management (cronjob tool)

---

# 股息投资 Skill — Dividend Investing

Dividend-focused stock analysis and pre-ex-dividend alerting. **Mindset is fundamentally different from trading:** focus on yield stability, growth trajectory, payout ratio, cash coverage, and tax implications — not technical entry points.