☕️ Sunday Coffee: One More Secret Ingredient for the MaxDividends Strategy

MaxDividends Mission: Helping & Supporting Everyone in Building a Growing Passive Income, Retiring Early, and Living Off Dividends.

Intro

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.

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.

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.

We also consider share buyback programs. When a company repurchases its own shares, it signals management’s confidence that the stock is undervalued.

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.

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.

Selecting stocks based on a company's fundamental metrics is a smart way to identify the best businesses. The Financial Score enables the MaxDividends team to quickly spot market leaders and underperformers for long-term investing.

MaxDividends Community

With MaxDividends Community you’ll always be part of a winning team and stop viewing the future as an uncertainty. Worry will fade, replaced by confidence and peace of mind. You’ll focus on doing what you love while your passive income continues to grow.

Choosing a strong environment is the key to achieving outstanding results. If you surround yourself with people who dream bigger than you, you increase your chances of reaching greater heights. Surround yourself only with those who will support you on your path to success.

Ready to Give It a Try?

Check Your Subsription Status & Upgrade to Premium.

MaxDividends Mission

Help & support everyone on the way to build growing passive income, retire early and live off dividends.

Build your own dividend machine with MaxDividends to launch growing passive income, retire early and live off dividends with community like-minded

What You’ll Get by Joining MaxDividends Premium

The most important thing our MaxDividends community members value us for

Freedom & Independence

No boss, no schedules—complete control over your time. Ability to work on passion projects or simply enjoy life without financial stress.

Passive Income That Grows Over Time

Dividend-paying stocks provide a steady, rising income stream. Unlike traditional retirement funds, you don’t need to sell assets to cover expenses.

Protection Against Inflation

Dividend growth investing ensures your income keeps pace with inflation. Companies that increase payouts help maintain purchasing power.

Stress-Free Investing

No need for active trading or daily market monitoring. Long-term buy-and-hold strategy minimizes stress and decision fatigue.

More Time for Family & Personal Goals

Spend more time with loved ones instead of working 40+ hours a week. Pursue hobbies, travel, and personal development without financial pressure.

Health & Well-Being Benefits

Less work stress leads to better mental and physical health. More time for fitness, proper sleep, and healthier lifestyle choices.

Avoiding the Corporate Rat Race

Escape office politics, toxic work environments, and endless meetings. Focus on meaningful activities instead of chasing promotions and pay raises.

Living Life on Your Own Terms

Ability to relocate, slow travel, or move to a lower-cost-of-living area. No restrictions on how you spend your day—whether it's reading, volunteering, or building a new skill.

Leaving a Legacy

Build generational wealth and leave assets for your family. Teach the next generation financial independence by leading by example.

Financial Security & Peace of Mind

A well-built dividend portfolio provides stability even during economic downturns. No fear of outliving your savings—passive income keeps flowing.

Many who already joined say it’s the best financial decision they’ve ever made—because money becomes a tool for freedom, not a source of stress.

MaxDividends Community: What ELSE You’ll Get Here

• MaxDividends Stocks of the Week: Top 10 Undervalued, High-Yield & Dividend Growth Stocks Weekly

+ Access to full list of Top Dividend Stocks updated weekly. Boost your passive income for living off dividends.

• Top Dividend Insights

Unlock Top-notch dividend growth investment ideas and insights, handpicked to help you crush your financial goals, retire early and live off dividends.

• RoadMap to Live Off Dividends

Ready-to-go step by step weekly guide to achieving financial freedom.

• Easy Peasy: Build Your MaxDividends Portfolio to Live Off Dividends with Pre-Selected Stock Sets

Grab ready-made MaxDividends stock sets starting at $300, $500, or $1000 each week.

• Max Dividends Portfolio: Goal $12,000 Monthly for 120 Months

My personal MaxDividends portfolios and short list with all the changes and updates weekly.

• MaxDividends App & Tools Access

Comprehensive tools to help you on the way retire early and live off dividends.

• Community Like-Minded Access

Stay in touch with me and other MaxDividends followers. MaxDividends community chat of like-minded who wants to live off dividends and retire early. Discuss ideas, share insights, build plans and set goals. Support, motivation, like-minded - all in!

• Sunday Coffee

My personal life & business column where I share life moments, insights on stock investing, long-term investment philosophy, and intriguing thoughts to benefit you.

Following our vision of growing dividend income and staying true to our mission, we’re making progress every day to deliver more value to every partner who joins MaxDividends.

🟢 What ELSE You’ll Get

• Top Dividend Ideas

• Undervalued Dividend Lists

Undervalued Dividend Eagles (updated monthly) Undervalued Dividend Kings (updated monthly) Undervalued Dividend Aristocrats (updated monthly)

• Dividend Insights

Top 5 MaxDividends Ideas of the Month Top 3 the Most Promising Dividend Ideas of the Week List of Dangerous Dividend Stocks (updated monthly)

🟢 And even MORE

The Best Dividend Tools in the World from MaxDividends Team

• Dividend Screener: Find Your Own Hidden Gems

• Dividend Portfolio Tracker: Take Under Control All Aspects of Your Passive Income

• Dividend Checker: Check Financial and Dividend Score 19000+ companies worldwide

FAQ

• I ❤️ Dividends: Why I Believe Dividend Investing Is the Best Strategy | PDF Book

• The 5 Timeless Rules of Dividend Investing. PDF Book

• My Personal High-Yield Dividend Growth Story

• How Do We Select MaxDividends Stocks

• What is MaxDividends Strategy

• How Effective is MaxDividends Strategy for Building a Growing Passive Income

MaxDividends Mission: Help & Support Everyone On the Way of Building Passive Growing Income, Retire Early and Live off Dividends

We are Already Recommended by Our Community

• Russell - "Want to get caught up with your portfolio so far and follow along until we can all retire. "

• Todd - "Just found this site --excited to get started!"

• Vinny - "Helping retail investors retire early and comfortably "

And Many Others

• “You are serious and trustwhorty”

• “Developing an additional source of retirement income.”

• Thought I would share - I was able to create an Ultra High Dividend portfolio w/15 companies today that would net me a $4,200+/month income. I just retired this month and have a current income of $10,230/mo., will be $12,500/mo. in '27 so another $4200/mo. would be nice! Love the app, had a lot of fun creating a portfolio today!

• Thanks for all the hard work putting the MaxDividends! You guys have done all the heavy lifting.

And 170+ Financial Bloggers on Substack

Supported by 42,000 subscribers. Inspired by 37,500 constant readers

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“Love the concept and the execution. If you are into building a portfolio that will generate ever growing income for you, subscribe to Max Dividends. I did.“

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“A useful substack for those that invest in stocks that pay dividends or are looking to get into such a strategy. Includes education and actionable ideas.“

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P/S

It’s often said that you get the partners you deserve. If that’s true, we consider the quality of our readers to be the best compliment we could hope for!

Thanks for all the support, and see you on the other side :)

If you have any questions, reach out to me on Email: [email protected]!

Best regards, Max.