What Is a Dividend and How Do They Work?
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The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.
Dividends are regular profit-sharing payments made between a company and its investors.
A company's board of directors determines the price per share, when and how often dividend payments are made.
Dividend stocks can provide a stream of income.
Evaluate dividend stock opportunities by their dividend per share, dividend yield and dividend payout ratio.
Dividend definition
Dividends are payments a company makes to share profits with its stockholders. They’re one of the ways investors can earn a regular return from investing in stocks.
Dividends can be paid out in cash, or they can come in the form of additional shares. This type of dividend is known as a stock dividend.
Dividend yield is the company’s annual dividend divided by the stock price on a certain date. Investors use the dividend yield to be able to accurately compare dividend stocks. Dividend payout ratios are also an important measure that tell you how much of a company’s income is put towards dividends versus reinvesting in the company.
But not all stocks pay dividends. If you are interested in investing for dividends, you will want to specifically choose dividend stocks. Companies that increase their dividend payments year after year are usually less volatile than the broader market. And the steady income from dividends can help smooth out a stock’s total return.
» Need a brokerage account? Check out our picks for the best online brokerages for dividend investing
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- Joann
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- How much life insurance should I buy?
- Ways to get the best home equity loan rates
- 4. You can shop instantly after you are approved for the card
- Types of mortgage loans
- Redeeming miles
- 5. You'll probably do better with a different card
- How do I qualify for mortgage forbearance?
- Best car insurance in Florida for ease of use: State Farm
- 11. Look for a payday alternative loan
- Get organized for the next cycle
- How to find the right whole life insurance policy
- Who should avoid Frontier Airlines?
- Are 10-year Treasury notes a good investment?
- How do I deal with lottery taxes?
- 8. Game on Twitch
- Minimum wage increases
- Quick start guide: How to invest in index funds
- How to find the 2024 W-4
- Cashier’s check vs. certified check vs. money order
- How to freeze your child’s credit
- How to change or cancel an EIN
- Credit union personal loan rates
- Open a travel rewards card
- Discounts
- You can temporarily self-report income
- Finally: Calculate the break-even point
- Alternatives to savings accounts
- Medicare resources in California
- When to expect your child tax credit refund
- Luxuriate in the Priority Pass lounges
- When you need a passport for a cruise
- 3. Get disability and life insurance
- National grants available to Florida small businesses
- The most popular surveys for cash apps
- Who needs umbrella insurance?
- Are Roth IRAs insured?
- 2. Certificates of deposit
- 4. Whether it's time for a financial advisor
- Save money on PMI
- Enrollment time limits
- Where State Farm falls short
- How to switch Medicare Advantage plans
- Calculating the value of the saver's credit
- Cash App
- Take advantage of your good credit
- How to keep medical bills from hurting your credit
- If you haven’t received your passport
- Other tips for managing your bill
- What happens when a bank fails
- 3. Store your cryptocurrency
- Alternatives for paying down a credit card balance
- Credit cards help build credit
- What do home appraisers look for?
- Other resources
- 6. Inspect and test-drive the car, if applicable
- How the 9 states with no income tax stack up
- 4. Seek help through debt relief
- More U.S. passport photo requirements
- When to get a CD
- No-closing-cost mortgages
- Find the best HELOC lender for you
- 8. Special needs trust
- Credit unions and banks that don’t require Social Security numbers to open an account
- Which card should you get?
- Disadvantages
- Flexible booking policies
- 6. Reallocate your portfolio
- 5. It comes with other travel goodies
- Restrictions and waiting periods
- Discounts
- What else you need to know
- 9. Sell photography
- What is the median household income in the U.S.?
- How do I grow my home's equity?
- What factors impact your credit scores?
- What if CDs aren’t right for me?
- Why did First Republic Bank fail?
- How are cryptocurrencies created?
- How to find AI ETFs
- Before you apply for a credit card
- Buy Medigap Plan G during Medigap open enrollment
- How do fleet cards work?
- 6. High-yield checking accounts
- 6. Find suppliers
- What if your application is denied?
- Getting the most from your pre-qualification limit
- Examples of other Comenity/Bread-issued store cards
- 2023 state income tax rates and brackets
- 3. You'll get some park perks
- How to get Alaska Mileage Plan miles
- What part of my income gets taxed by California?
- 5. The APR is sky-high
- Widespread acceptance
- 5. It can be expensive to carry a balance
- How do AI-driven algorithms work in dynamic pricing?
- Why some cars cost more to insure
- More about State Farm life insurance
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- ETFs vs. mutual funds: Which is best for you?
- 12. Get a personal loan
- How to get IHG Ambassador status
- What do the approvals mean for Bitcoin?
- What is naked short selling, and why is it illegal?
- Federal student loan consolidation
- 9. Develop a Shopify app or theme
- 4. Varo: Best for existing bank customers
- What part of my income gets taxed by California?
- Our pairing for: Everyday purchases
- 5. Use collateral to secure the loan
- Full list of the best homeowners insurance in Washington
- Will parent PLUS loans qualify?
- How are gas prices determined?
- Consumer complaints
- Other ways to pay less
- Strategies to combine flexibility and high rates
- What is hyperinflation?
- Get ready to rumble
- Other things to consider
- Use your free night certificate at a fancy hotel
- Minimum vs. full coverage after a speeding ticket
- 5. Failure to report Bitcoin can be costly
- Where's my 2024 state tax refund? Track your status
- 4. Conditions
- Full list of the best home insurance companies in Texas
- 4. Citibank: $1.01 trillion
- How much does it cost to refinance a mortgage?
- HELOC requirements
- How can you take the guesswork out of tipping?
- What apps let you buy now, pay later?
- Other low-down-payment mortgage options
- Will a credit freeze or fraud alert hurt my credit score?
- How much can you borrow with a home equity loan?
- EveryDollar, for simple zero-based budgeting
- Maximum and average DTI ratios by mortgage type
- How do you buy Vanguard Index fund shares?
- How to get a lower interest rate on private student loans
- If you’re considering flying Frontier Airlines
- Consumer experience
- Use a co-signer
- How do you buy 10-year Treasury notes?
- Days in the cycle
- For the uninsured
- Is APY variable?
- Do I have to update my W-4 every year?
- How to lower the cost of your business insurance
- Best for low-cost plan availability: Humana
- Can I take my own passport photo?
- What's the tax filing deadline for my Georgia state income tax bill?
- Full list of the best car insurance companies in Georgia
- 2024 child tax credit news update
- It’s more expensive to rent than ever before
- Is a Comenity/Bread credit card right for you?
- How to open a CD
- The cons
- Mutual fund fees
- Ex-dividend dates
- How much umbrella insurance do you need?
- Five steps to opening an investment account for your kid
- Drawbacks of a business cash management account
- How to avoid a wash sale
- Roth IRA eligibility rules
- Who qualifies for the SAVE plan?
- When undervalued stocks become popular
- How to do well on Upwork
- Do you ever need to change your EIN?
- Protection and insurance benefits
- The next step
- 4. Deferment of existing SBA loans
- The bottom line
- Anthem Medicare Advantage plan types
- 10. Pet sit
- When not to use a credit card
- What's next?
- How can I avoid cashier's check fraud?
- When should you freeze your credit?
- I want a CD, but what if CD rates change soon?
- Kaiser Permanente Medicare Advantage plan types
- Is Plan G the best Medicare Supplement Insurance plan?
- How to protect against inflation
- The importance of diversification
- 3. Bonds
- When did all of the tech layoffs start?
- How to confirm if a flight has business class lie-flat seats
- Embarking and disembarking
- Should you pay your mortgage with a credit card?
- Disadvantages of franchising for the franchisee
- Consumer complaints
- How to build your credit score
- Secure 2.0 changes: Saver's match
- How to get mortgage forbearance
- Full list of the best car insurance in Florida
- 13. Rent out a room
- Liberty Mutual pet insurance rates
- 10. Become a Shopify Affiliate
- Medicare Part A eligibility
- Home inspection vs. appraisal
- Best Android personal expense tracker apps
- 7. Determine which warranties are right for you
- How to get a loan from a credit union
- 3. SEP IRA
- Why are there so many kinds of cryptocurrency?
- Reconsideration for PSLF applications
- Set up lounge access
- Consumer experience
- Dress code for a passport picture recapped
- LLC self-employment taxes
- Calculating capital gains tax on a home sale
- Get the travel insurance
- Which card should you get?
- CD vs. savings account
- How to get a tax refund sooner
- How to get a home equity line of credit
- Am I a resident for California state tax purposes?
- Rent vs. inflation
- Low-down-payment mortgage options
- How much do life insurance policies cost?
- How to find a Realtist
- How to pick seats on Spirit Airlines
- Power and lighting
- Find the best homeowners insurance in your state
- Learn more about sector ETFs:
- How to track your passport status, recapped
- If you fly to Baja California with American Airlines
- Do you pay tax on T-notes?
- 11. Do freelance work
- Am I a resident for California state tax purposes?
- Why did Silicon Valley Bank fail?
- Will my servicer know if I qualify?
- Pros and cons of the new partnership
- How long does it take to get pre-qualified for a mortgage?
- Seller-paid closing costs
- When will I get my refund?
- Other ways to earn AAdvantage Loyalty Points
- How much does homeowners insurance cost in Texas?
- 4. There's a modest sign-up bonus ...
- Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
- Is Upwork the right freelance marketplace for you?
- Pro tip: You can book Qatar award flights more cheaply
- Can I have a fraud alert and a credit freeze?
- The physical card is (heavy) metal
- Home equity loan requirements
- Consumer experience
- Who should avoid Air France?
- Why insurance companies reward smart-home devices
- Become an authorized user
- Fees to check in and obtain your boarding pass for your Spirit flight
- Tips for making money on Shopify
- How to adjust your Form W-4
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Recap: How to get a cashier's check
- 6. Find the right lender
- How much does homeowners insurance cost in Washington?
- Where to find the best savings accounts
- 7. Secure funding
- How to evaluate dividends
- How did rent get so expensive?
- What to do with the Bitcoin you buy
- Choosing between cards? Rewards and perks might make the difference
- Who benefits from the cash stuffing envelope system
- Difference between invoice financing and invoice factoring
- 5. U.S. Bank: $646.73 billion
- How to find the best refinance rates
- The bottom line
- How to start dollar-cost averaging
- What's next?
- What’s the future of dynamic pricing?
- How to save on car insurance
- How to join TikTok Shop as a creator
- Upgrades
- If you want to fly for free ...
- The bottom line on short selling
- 5. Delayed tax payments
- Next Steps
- What's next?
- Full list of the best homeowners insurance in Wisconsin
- Cons of a credit freeze
- Steps in the small-business grants process
- Interest-based passive income ideas
- Could we be in an AI bubble?
- Are these the best dividend stocks?
- Average money market account rate: 0.66%
- Using your credit card for rental car coverage
- Flash your Hilton Diamond status
- CD vs. bond
- What is the average and median retirement savings?
- What if you lose your EIN?
- Which type of life insurance should I put in a trust?
- Upgrade Cash Rewards Visa®
- NerdWallet home insurance calculator methodology
- Why you can trust NerdWallet
- What are the best Vanguard index funds?
- 14. Moonlight as a dog sitter
- Business proposal considerations
- Exclusive invitation: IHG Royal Ambassador Status
- What do the approvals mean for other crypto investments?
- Should you pay rent with your credit card?
- Available Anthem Part D prescription drug plans
- 5. Dave: Best for repayment flexibility
- Getting a home appraisal report
- U.S. Bank Cash+® Visa Signature® Card
- 5. Lower your living expenses
- Third-party ratings
- Drawbacks of Sage Accounting
- Types of gas
- Who should skip an American credit card?
- How to track your Georgia state tax refund
- LLC sales taxes
- How to craft a travel backup plan
- Should you sell your own home?
- AutoSlash Track a Rental
- Can you lose money in mutual funds?
- 5. Collateral
- The complete list of dividend aristocrats
- How much can you borrow with a HELOC?
- How to apply for the SAVE plan
- The bottom line
- What to do if you discover child identity theft
- Checking in for your Southwest Caribbean flight
- Spirit Airlines seat selection fees
- Final thoughts on flying Air France
- Looking for past years' saver's credit thresholds?
- Startup business insurance providers
- PayPal
- ERenterPlan vs. Lemonade renters insurance
- 12. Create a podcast
- Factors that don’t affect your credit scores
- 8. Negotiate the best price
- Credit union vs. online lender
- The bottom line
- Fleet fuel cards: benefits and drawbacks
- Don’t overlook the other benefits
- 2024 state income tax rates and brackets
- How much does umbrella insurance cost?
- Are IHG Executive Club lounges worth the cost?
- Is cryptocurrency subject to the wash-sale rule?
- What’s a spousal Roth IRA?
- Alternatives to infinite banking
- When will interest rates go down?
- No-interest financing on Apple purchases
- Are home equity loans a good idea?
- Is TikTok Shop safe?
- 15. Become a rideshare or delivery driver
- How to consolidate federal loans
- Tickets bought with miles
- What if I had delinquencies or a student loan in default?
- Buy travel insurance
- Best of the Blues: Highmark
- Types of CD strategies
- Tax Day resources
- The bottom line
- Average cost of homeowners insurance in Texas by city
- How to get started
- Should you buy smart-home devices?
- Discounts
- Fees to select a seat ahead of time
- Should you invest in cryptocurrency?
- 13. Become a rideshare or delivery driver
- What is a no-credit-check loan?
- Home shopping tips
- Credit freeze or credit lock?
- Average cost of homeowners insurance in Washington by city
- Are cryptocurrencies financial securities, like stocks?
- If you’re considering an American credit card
- Another way to save: Refinance to a shorter term
- Will you owe capital gains taxes on your home sale?
- Who should avoid Air Canada?
- Consequences of a child tax credit error
- Other closed-loop cruises
- How to get umbrella insurance
- Refinancing a mortgage, step by step
- Related articles
- Empower Personal Dashboard, for tracking wealth and spending
- How much money can you make on YouTube?
- 16. Cut your insurance premiums
- FDIC insurance limits and ownership categories
- How much does homeowners insurance cost in Wisconsin?
- How will Robinhood make money from its IRAs?
- How to improve your credit
- Why did Signature Bank fail?
- Buying rental car insurance on your own
- 2024 Georgia state income tax changes
- 5. ... And a poor 0% APR offer
- 6. PNC Bank: $551.13 billion
- Figo: Best pet insurance for cats
- When is the SAVE plan available?
- If you're looking to book business class lie-flat seats
- If you’re eyeing Qatar award flights ...
- Alternatives to buy now, pay later
- More about the card
- State Farm vs. competitors
- State availability
- When you’re ready to plan a trip
- Other home insurance companies to consider
- Pros of investing in REIT stocks
- LLC tax forms and deadlines
- Is the Hilton Honors American Express Aspire Card worth its annual fee?
- Using travel rewards for the family requires a mindset shift
- Cards that earn American Express Membership Rewards points
- Why not both?
- Learn more about cash value life insurance
- If you’d like to do Universal Studios Orlando in one day
- The bottom line
- How long should you hold on to an income tax return?
- Other renters insurance companies to consider
- Get credit for the bills you pay
- Final thoughts on the different United economy fare classes
- 14. Tutor
- 6. MoneyLion: Best for existing customers
- Who can access your frozen credit reports?
- Ways kid creators can earn online
- 9. Maximize trade-in value, if applicable
- Important considerations when opening a Roth IRA
- More about the card
- Receiving your refund
- How to avoid capital gains tax on home sales
- If you're considering flying Air Canada ...
- The cheapest home insurance in Texas
- Roth IRA vs. traditional IRA: What's the difference?
- The bottom line
- Compare top-rated life insurance companies
- Discover it® Secured Credit Card
- Best for those who pack expensive equipment: Travel Insured International
- The cheapest home insurance in Washington
- Can I get a refund?
- Should you invest in AI stocks?
- Why are California gas prices so high?
- The difference between interest rate and APY
- 8. Design your bar
- 3 things to know about Georgia state tax
- Ways to earn Marriott points and status
- State child tax credits
- What are CD rates right now?
- Bottom line: Is umbrella insurance worth it?
- If you’re choosing between Holiday Inn vs. Holiday Inn Express
- Earn points faster with a credit card
- How’s the stock market doing?
- DTI isn't a full measure of affordability
- Lounge access
- Which TriNet competitor is right for your business?
- Main Street businesses that found success
- 17. Consolidate your debt
- More reading for active investors and traders
- Anthem Medicare Advantage third-party ratings
- Next steps
- Fuel card vs. business gas credit card
- Cons of investing in REIT stocks
- Who should get the Hilton Honors American Express Aspire Card?
- If you want to cruise to the Bahamas
- Tips to find the right Florida small-business grant for you
- Compare insurance rates by driver history
- Is getting a HELOC a good idea?
- Options trading examples
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- After deciding
- What is the difference between a tax return and a tax refund?
- Fees for in-flight refreshments
- Average cost of homeowners insurance in Wisconsin by city
- How can I check and monitor my credit?
- What’s happening with Silvergate Capital Corp.?
- 4. SIMPLE IRA
- Kaiser Permanente Medicare Advantage service area
- How to shop for Medicare Advantage plans
- 3. Sign up for Marriott credit cards and transfer Bonvoy points to United
- AutoSlash limitations
- What activity doesn't earn Loyalty Points?
- Earn an audience, and earn more in the long run
- Consumer experience
- 15. Rent out items
- If you're ready to start a budget
- 10. Make the purchase
- So, can you get a refund on plane tickets?
- Pros and cons of cryptocurrency
- Types of financial planning help
- Additional Sage software products
- Cheapest for 30-year-old drivers
- Are dividends taxed?
- What is the $500 credit for other dependents (ODC)?
- 7. Goldman Sachs: $463.99 billion
- Down payment assistance programs
- Spirit Airlines fee bundles
- 18. Refinance your student loans
- Business proposal examples
- What to know about Washington homeowners insurance
- What happened to Credit Suisse?
- One-time IDR account adjustment for PSLF borrowers
- How full coverage car insurance works
- 9. Develop your marketing strategies
- Investing in REITs: How to get started
- LLC tax tips for business owners
- Who is most likely to rent?
- What are promotional CD rates?
- What to know about Texas homeowners insurance
- Find the best life insurance policy for you
- Google Pay
- Practice good credit habits
- What is credit card consolidation?
- In-cabin pet fee
- Examples of FDIC insurance limits and coverage
- 16. Use cash back apps
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Next steps
- Child tax credit vs. child and dependent care credit
- Final thoughts on American Airlines Loyalty Points
- How to open a Roth IRA in 4 steps
- California state tax credits
- Latest mortgage interest rates
- If your DTI is high
- Other types of mortgage loans
- 19. Change your cell phone plan
- When are tax returns due to the IRS?
- W-4 calculator
- California state tax credits
- The cheapest home insurance in Wisconsin
- Customer service
- Marriott Bonvoy is the newest key to unlock MGM Hotels stays
- The bottom line
- 4. Money market funds
- If you want to fly Southwest to the Caribbean
- Other ways to make money
- Mission Lane Visa® Credit Card
- Tips for making money as a kid
- Does the president control gas prices?
- How the FDIC calculates national rates
- FHA vs. conventional loans: Summary
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- How taxes on real estate, rental, and investment sales work
- 8. Truist Bank: $534.93 billion
- Other changes to income-driven repayment in the works
- PocketGuard, for a simplified budgeting snapshot
- How consumers can take advantage of dynamic pricing
- Advantages of franchising for the franchisor
- Avoid risky loans
- The bottom line
- How does credit card consolidation work?
- Priority boarding and security access
- The bottom line on the new Robinhood IRA
- Does your business need a fleet fuel card?
- Car rental insurance: The bottom line
- Investing
- Next steps
- Understanding life insurance quotes
- Anthem Medicare Advantage service area
- Cheapest for 30-year-old drivers
- Best for adventurous travelers: World Nomads
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Are other banks are in trouble?
- Sage Accounting alternatives
- Final thoughts on AutoSlash car rentals
- Where should you open your investment account?
- Is it better to get a home equity loan or line of credit?
- Why trade options?
- What else to know about Form W-4
- What to know about Wisconsin homeowners insurance
- What to know before shopping for car insurance quotes.
- Rent vs. income
- Unaccompanied minor fees
- Things to consider about loans with no credit check
- 8. Klover: Best for no-fee advances
- Reconsideration for rejected PSLF applications
- How does the Israel-Hamas war affect gas prices?
- Is there an over-55 home sale exemption?
- Alternatives to whole life insurance
- Should you buy stocks or bonds?
- Other pet insurance companies to consider
- Check your credit scores and reports
- Alternatives to the best burial insurance
- Should I take my money out of the bank?
- Cryptocurrency legal and tax issues
- How to find cheap full coverage auto insurance
- 5. Mutual funds
- Is consolidating credit card debt a good idea?
- 9. Capital One: $468.23 billion
- What to do if you can’t keep up with your HELOC payments
- Prosper® Card
- Million Mile status
- OK, what's next?
- 5 best practices for writing a business proposal
- The bottom line
- Best stocks for beginners
- Spirit Saver$ Club
- More resources
- Bundle packages
- More about top-rated life insurance companies
- 5. Defined benefit plan
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- Why is financial planning important?
- Apple Cash
- How we review pet insurance
- Can I still use my credit card after debt consolidation?
- Anthem Medicare Advantage customer service number
- Home purchasing tips
- Are we in a recession?
- Your decision: Is cryptocurrency a good investment?
- Mortgages
- MetLife: Best pet insurance for dogs
- 6. Index funds
- Spirit Airlines seat selection for elite members
- More about whole life insurance
- Pros and cons of loan apps
- Best for medical coverage: Travelex Insurance Services
- Don't qualify for PSLF? You have other options for relief
- 10. TD Bank: $366.25 billion
- Honeydue, for budgeting with a partner
- Bonus perks the more you fly
- The upside down: When debt and equity roles reverse
- How to shop for no-credit-check loans
- Washington insurance department
- Do I need additional travel insurance?
- Why you can trust NerdWallet
- The bottom line on investing in stocks
- How to track your California state refund
- Capital One QuicksilverOne Cash Rewards Credit Card
- How to find out if your bank is FDIC insured
- How to track your California state refund
- Are we headed for a depression?
- Venmo Credit Card
- Cheapest car insurance by state
- Prime Visa
- Looking for more insurance in Washington?
- Texas Department of Insurance
- Spirit Airlines seat selection recapped
- No-credit-check loan alternatives
- Disadvantages of franchising for the franchisor
- Wisconsin insurance department
- 4. Earn United miles on credit card bonus categories
- 11. BMO: $260.79 billion
- How to choose the right nurse entrepreneur idea
- Looking for more insurance in Texas?
- California state sales tax
- Social media money transfers
- California state sales tax
- Looking for more insurance in Wisconsin?
- Where to open a retirement plan if you’re self-employed
- What is a 1099 employee?
- Which airline comes out on top?
- The bottom line
- How to make money from home
- What if you're not eligible?
- Budgeting resources from NerdWallet
- Capital One Platinum Credit Card
- Fees across U.S. airlines
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- 7. Exchange-traded funds
- Learn about small-business loans
- How to save on startup costs
- Best if you have travel credit card coverage: Seven Corners
- Cards with travel insurance, recapped
- 12. Citizens Bank: $224.96 billion
- 5 things to know about California state tax
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- 5 things to know about California state tax
- The bottom line
- Personal loans
- The bottom line
- Methodology to identify the best budget apps
- Other home insurance companies to consider
- Are apps like DailyPay and Payactiv cash advance apps?
- American Express® Business Gold Card
- 13. First Citizens Bank: $213.59 billion
- What are the Roth IRA withdrawal rules?
- 8. Stocks
- AvantCard Credit Card
- Other money-sending options
- Risks of getting cheap auto insurance
- Cheapest for 40-year-old drivers
- Target Circle™ Credit Card
- Pros and cons of starting a vending machine business
- Nationwide: Best pet insurance for exotic pets
- Alternatives to cash advance apps
- Best for long-term travelers: IMG
- How to get the cheapest car insurance quote possible
- 5. Earn United miles on flights
- The final word
- Other ways to earn American Express Membership Rewards points
- Cheapest for 40-year-old drivers
- Student loans
- 14. Fifth Third Bank: $211.98 billion
- Blue Cash Everyday® Card from American Express
- Frequently asked questions
- How to make money offline
- The fine print
- TD Cash Credit Card
- 15. M&T Bank: $208.61 billion
- 9. Alternative investments
- Capital One Venture Rewards Credit Card
- Best for travelers with unpredictable work demands: Tin Leg
- Taxes
- Cash advance app star rating methodology
- Capital One® Walmart Rewards™ Mastercard®
- 16. Huntington National Bank: $186.36 billion
- Other ways to save money
- 10. Cryptocurrency
- Travel rewards
- 6. Shop on the United MileagePlus shopping portal
- Pets Best: Best pet insurance for flexible plans
- Apple Card
- Full list of the best car insurance companies
- 17. Ally Bank: $185.72 billion
- EXCELLENT GENERAL-PURPOSE CARDS FOR SHOPPING
- Best for booking travel with points and miles: TravelSafe
- How to compare car insurance rates
- 11. Real estate
- Best car insurance companies by state
- PlayStation Visa Credit Card
- Venmo Credit Card
- Truist Enjoy Cash credit card
- 18. KeyBank: $185.57 billion
- How to start a profitable business
- Best for group travel insurance: HTH Insurance
- How to choose the best investments in 2024
- How to find the best car insurance
- Cheapest for 50-year-old drivers
- 19. American Express National Bank: $174.80 billion
- Cheapest for 50-year-old drivers
- 20. HSBC Bank USA: $161.30 billion
- 7. Visit restaurants through MileagePlus dining
- Spot: Best pet insurance for straightforward waiting periods
- Best Buy credit cards
- How to find the best home insurance policy in five common scenarios
- Types of travel insurance
- U.S. Bank Business Leverage® Visa Signature® Card
- 8. Use the United MileagePlus X app
- The final word
- Why you can trust NerdWallet
- 9. Transfer points from hotels to United
- Xbox Mastercard
- 10. Earn United miles for staying at hotels
- How much is pet insurance?
- How to choose an insurance company
- How to compare homeowners insurance
- Cheapest for 60-year-old drivers
- What does travel insurance cover?
- Watch out for making money scams
- How to find the best dog insurance
- Cheapest for 60-year-old drivers
- What’s not covered?
- How much does it cost?
- 11. Reserve vacation homes through Vrbo
- How to find the best cat insurance
- 12. Book car rentals
- Find the best homeowners insurance in your state
- Do I need travel insurance?
- How we ranked the best homeowners insurance companies
- 13. Go on a cruise
- How to choose the best travel insurance policy
- How to compare pet insurance companies
- 14. Book a vacation through United Packages
- Cheapest for 70-year-old drivers
- 15. Get identity protection from LifeLock with Norton
- What are the top travel destinations in 2024?
- 16. Purchase flowers
- Cheapest for 70-year-old drivers
- 17. Take online surveys with e-Rewards and Opinion Miles Club
- More resources for travel insurance shoppers
- 18. Enroll in Emergency Assistance Plus (EA+)
- Top credit cards with travel insurance
- 19. Purchase wine with Vinesse
- 20. Shop on MyPoints
- Methodology
- 21. Order travel documents from VisaCentral
- 22. Donate to charity
- 23. Purchase tickets to Broadway plays
- 24. Get the Timeshifter app to help with jet lag
- 25. Take out a home loan through Rocket Mortgage
- How we ranked the best pet insurance companies
- 26. Take out a business loan from MerchantRefi
- Learn more about personal finance
- How to get cheap car insurance in Florida
- 27. Purchase flying wellness products from Therabody
- 28. Use energy providers NRG or Reliant
- Minimum car insurance requirements in Florida
- Cheapest car insurance for military families
- 29. Buy a home security system through SimpliSafe
- 30. Purchase United MileagePlus miles
- How to get cheap car insurance in California
- No-fault insurance in Florida
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What are dividend stocks and why buy them?
Dividends on common stock — like any investment — are never guaranteed. However, dividends are more likely to be paid by well-established companies that no longer need to reinvest as much money back into their business. As a result, stocks that pay dividends can provide a stable and growing income stream.
Dividends are considered an indication of a company's financial well-being. Once a company establishes or raises a dividend, investors expect it to be maintained, even in tough times. Investors often devalue a stock if they think the dividend will be reduced, which lowers the share price.
According to research from Fidelity, during periods of inflation, “stocks that increased their dividends the most outperformed the broad market, on average."
The most reliable American companies have a record of growing dividends — with no cuts — for decades. Examples of companies that pay dividends include Exxon, Target, IBM, Sherwin-Williams Co., and Johnson & Johnson. An elite list of S&P 500 stock companies called the dividend aristocrats have increased their dividend every year for at least 25 years. By comparison, high-growth companies, such as tech or biotech companies, rarely pay dividends because they need to reinvest profits into expanding that growth.
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Dividend vs. growth stocks
Learn more about the difference between dividend and growth stocks, and what they add to your portfolio.
How are dividends paid out?
Imagine you own 30 shares in a company and that company pays $2 in annual cash dividends. You will receive $60 per year. Here’s how it works.
A company earns profits.
The company’s board of directors approve a plan to share those profits in the form of a dividend. A dividend is paid per share of stock. U.S. companies usually pay dividends quarterly, monthly or semiannually.
The company announces when the dividend will be paid, the amount and the ex-dividend date. Investors must have bought the stock at least two days before the official date of a dividend payment (the "date of record") in order to receive that payment.
The company pays out the dividend to shareholders.
The ex-dividend date is extremely important to investors: Investors must own the stock by that date to receive the dividend. Investors who purchase the stock after the ex-dividend date will not be eligible to receive the dividend. Investors who sell the stock after the ex-dividend date are still entitled to receive the dividend, because they owned the shares as of the ex-dividend date.
6 types of dividends
Usually, dividends are paid out on a company’s common stock. There are several types of dividends a company can choose to pay out to its shareholders.
1. Cash dividends
The most common type of dividend. Companies generally pay these in cash directly into the shareholder's brokerage account.
2. Stock dividends
Instead of paying cash, companies can also pay investors with additional shares of stock.
3. Dividend reinvestment programs (DRIPs)
Investors in DRIPs are able to reinvest any dividends received back into the company's stock, often at a discount. DRIPs typically aren't mandatory; investors can choose to receive the dividend in cash instead.
4. Special dividends
These dividends pay out on all shares of a company’s common stock, but don’t recur like regular dividends. A company often issues a special dividend to distribute profits that have accumulated over several years and for which it has no immediate need.
5. Preferred dividends
Payouts issued to owners of preferred stock. Preferred stock is a type of stock that functions less like a stock and more like a bond. Dividends are usually paid quarterly, but unlike dividends on common stock, dividends on preferred stock are generally fixed.
6. Dividend funds
Investors who don't want to research and pick individual dividend stocks to invest in might be interested in dividend mutual funds and dividend exchange-traded funds (ETFs). These funds are available to a range of budgets, hold many dividend stocks within one investment and distribute dividends to investors from those holdings.
How to evaluate dividends
An investor can use different methods to learn more about a company's dividend and compare it to similar companies.
Dividend per share (DPS)
As mentioned above, companies that can increase dividends year after year are sought after. The dividend per share calculation shows the amount of dividends distributed by the company for each share of stock during a certain time period. Keeping tabs on a company’s DPS allows an investor to see which companies are able to grow their dividends over time.
Dividend yield
Financial websites or online brokers will report a company’s dividend yield, which is a measure of the company’s annual dividend divided by the stock price on a certain date.
The dividend yield evens the playing field and allows for a more accurate comparison of dividend stocks: A $10 stock paying $0.10 quarterly ($0.40 per share annually) has the same yield as a $100 stock paying $1 quarterly ($4 annually). The yield is 4% in both cases.
Yield and stock price are inversely related: When one goes up, the other goes down. So, there are two ways for a stock’s dividend yield to go up:
The company could raise its dividend. A $100 stock with a $4 dividend might see a 10% increase in its dividend, raising the annual payout to $4.40 per share. If the stock price doesn’t change, the yield becomes 4.4%.
The stock price could go down while the dividend remains unchanged. That $100 stock with a $4 dividend might decline to $90 per share. With that same $4 dividend, the yield would become just over 4.4%.
Dividend payout ratio
Advisors say one of the quickest ways to measure a dividend’s safety is to check its payout ratio, or the portion of its net income that goes toward dividend payments. If a company pays out 100% or more of its income, the dividend could be in trouble. During tougher times, earnings might dip too low to cover dividends. Like a stock's dividend yield, the company's payout ratio will be listed on financial or online broker websites.
Be sure to check the stock's dividend payout ratio, or the portion of a company’s net income that goes toward dividend payments. Payout ratios are one measure of dividend health, and they are listed on financial or online broker websites.
Are dividends taxed?
All types of dividends are taxable. Dividends paid by U.S.-based or U.S.-traded companies to shareholders who have owned the stock for at least 60 days are called qualified dividends, and are subject to capital gains tax rates. All other dividends are subject to ordinary income tax rates.
Next steps
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