Model

Use cases · Individuals

Dividend investor: 20 ways to use Ora

Builds income: yield, growth streaks, ex-dates, cuts and the price trend under the payout. Each example is a complete, runnable request with the real answers it returned (47 requests, captured 2026-10-31), what they mean and, where it fits, the action it would send.

Run withAnswers were captured on ora-fin-0.1.1. Another model changes the request JSON and the Playground link; run it there to see its answers.

Rule functions and facts used by this player (35)

div_yield_ttm 14 sma 11 raised_last 8 years_of_growth 5 cut_last 5 max 5 div_count_ttm 3 div_change_pct 3 days_to_ex_div 2 rsi 2 beat_eps_last 2 miss_eps_last 1 last_div_amount 1 next_div_amount 1 days_since_ex_div 1 zscore 1 ref 1 eps_year_ago 1 last_eps 1 revenue_growth_yoy 1 adx 1 div_ttm 1 pays_dividend 1 roc 1 atr 1 bbmid 1 log 1 offset 1 sqrt 1 std 1 hammer 1 inverted_hammer 1 lowest 1 tweezer_bottom 1 median 1

Examples 1–10 of 20 · page 1 of 2

Dividend investor · example 1

Is JNJ still a dividend grower worth holding

Check the growth streak, the last raise, the yield and the trend under the payout.

ora-fin-0.1.1JNJ6 questions2 actions

StateJNJ
Questions6 asked
Answersreal, captured
Actions2 rules · dry run

State

{"symbol":"JNJ"} The server fills in the latest completed session.

Questions

`grow25`	English → rule	Has the stock grown its dividend for 25 years in a row?
`grow10`	rule	`years_of_growth >= 10` Ten years of dividend growth
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`trend`	English → rule	Is the stock above its 200-day moving average?
`raise_next`	forecast	Will the company raise its dividend next year? Raising the dividend next year

Answers

Question	Answer	Reading
`grow25` Has the stock grown its dividend for 25 years in a row compiled to `years_of_growth >= 25`	0.9463	true
`grow10` Ten years of dividend growth	0.9463	true
`raised` Raised its last dividend	0.1409	false
`yield3` Yield above 3%	0.0648	false
`trend` Is the stock above its 200-day moving average compiled to `C > sma(C, 200)`	0.9454	true
`raise_next` Raising the dividend next year	0.495	50% · close to even

Actions

Rules on the answers decide what to send.

raised < 0.4 or trend < 0.4→Emailme

else→Emailme

What each action would send 1 of 2 fired · dry run, nothing sent

reviewwould send (dry run)Email → me

{
  "subject": "JNJ: dividend holding review",
  "text": "JNJ (2026-10-30): raised last time 14%, above the 200-day 95%. Review the position."
}

okrule false: skipped

What it means

For JNJ on the session of 2026-10-30: True now: Has the stock grown its dividend for 25 years in a row; Ten years of dividend growth; Is the stock above its 200-day moving average. Not true: Raised its last dividend; Yield above 3%. Forecasts: Raising the dividend next year 50%. Fired: review (Email → me).

A long streak and a recent raise keep it in the income core; a cut or a broken trend triggers a review.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "JNJ"
  },
  "questions": {
    "grow25": {
      "type": "yes_no",
      "instructions": "Has the stock grown its dividend for 25 years in a row?"
    },
    "grow10": {
      "type": "yes_no",
      "ask": "years_of_growth >= 10"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "raise_next": {
      "type": "yes_no",
      "instructions": "Will the company raise its dividend next year?"
    }
  },
  "actions": [
    {
      "id": "review",
      "when": "raised < 0.4 or trend < 0.4",
      "do": "email",
      "connection": "me",
      "subject": "{{symbol}}: dividend holding review",
      "message": "{{symbol}} ({{as_of}}): raised last time {{raised|pct}}, above the 200-day {{trend|pct}}. Review the position."
    },
    {
      "id": "ok",
      "when": "else",
      "do": "email",
      "connection": "me",
      "subject": "{{symbol}}: dividend record intact",
      "message": "{{symbol}} ({{as_of}}): 25-year grower {{grow25|pct}}, raised {{raised|pct}}."
    }
  ],
  "dry_run": true
}

Response JSON (JNJ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "grow25": {
      "yes_no": 0.9463,
      "rule": "years_of_growth >= 25",
      "basis": "pattern"
    },
    "grow10": {
      "yes_no": 0.9463,
      "rule": "years_of_growth >= 10",
      "basis": "rule"
    },
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.0648,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "trend": {
      "yes_no": 0.9454,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "raise_next": {
      "yes_no": 0.495
    }
  },
  "context": {
    "symbol": "JNJ",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "review",
      "fired": true,
      "status": "dry_run",
      "do": "email",
      "connection": "me",
      "preview": {
        "subject": "JNJ: dividend holding review",
        "text": "JNJ (2026-10-30): raised last time 14%, above the 200-day 95%. Review the position."
      }
    },
    {
      "id": "ok",
      "fired": false,
      "status": "skipped"
    }
  ]
}

div_yield_ttm raised_last sma years_of_growth

Try it in the Playground

Dividend investor · example 2

Yield-trap screen: T, VZ, MO, PFE

High yields can be a sign of trouble: check for cuts, falling prices and missed earnings.

ora-fin-0.1.14 symbols, one request each6 questions1 action

State4 symbols
Questions6 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"T"} then VZ, MO, PFE, one request each. The server fills in the latest completed session.

Questions

`yield3`	English → rule	Is the dividend yield above 3%?
`cut`	English → rule	Did the stock cut its dividend last time?
`drawdown`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`miss`	English → rule	Did the stock miss EPS estimates last quarter?
`below200`	English → rule	Is the stock below its 200-day moving average?
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`yield3`rule	`cut`rule	`drawdown`rule	`miss`rule	`below200`rule	`drop5`forecast	Fired
`T`	0.9463	0.1409	0.845	0.1409	0.9326	0.463	`trap`
`VZ`	0.9463	0.1409	0.0879	0.1409	0.6552	0.421	none
`MO`	0.9463	0.1409	0.0537	0.1409	0.0537	0.543	none
`PFE`	0.9463	0.1409	0.0537	0.1409	0.0537	0.418	none

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

yield3 >= 0.6 and (cut >= 0.6 or drawdown >= 0.6)→Slackincome-book

T 1 of 1 fired · dry run, nothing sent

trapwould send (dry run)Slack → income-book

{
  "text": "T (2026-10-30): possible yield trap. Cut 14%, 20% drawdown 84%."
}

VZ 0 of 1 fired · dry run, nothing sent

MO 0 of 1 fired · dry run, nothing sent

PFE 0 of 1 fired · dry run, nothing sent

What it means

Session of 2026-10-30, 4 symbols: Is the dividend yield above 3%: true for T, VZ, MO, PFE of 4. Did the stock cut its dividend last time: true for none of 4. More than 20% off the 52-week high: true for T of 4. Did the stock miss EPS estimates last quarter: true for none of 4. Highest odds for “A 5% drawdown within a month”: MO at 54%. trap fired for T.

A high yield with a cut or a deep drawdown is a possible trap; a high yield with an intact trend is income.

Request JSON (T; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "T"
  },
  "questions": {
    "yield3": {
      "type": "yes_no",
      "instructions": "Is the dividend yield above 3%?"
    },
    "cut": {
      "type": "yes_no",
      "instructions": "Did the stock cut its dividend last time?"
    },
    "drawdown": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "miss": {
      "type": "yes_no",
      "instructions": "Did the stock miss EPS estimates last quarter?"
    },
    "below200": {
      "type": "yes_no",
      "instructions": "Is the stock below its 200-day moving average?"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "trap",
      "when": "yield3 >= 0.6 and (cut >= 0.6 or drawdown >= 0.6)",
      "do": "slack",
      "connection": "income-book",
      "message": "{{symbol}} ({{as_of}}): possible yield trap. Cut {{cut|pct}}, 20% drawdown {{drawdown|pct}}."
    }
  ],
  "dry_run": true
}

Response JSON (T, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "yield3": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 3",
      "basis": "pattern"
    },
    "cut": {
      "yes_no": 0.1409,
      "rule": "cut_last > 0.5",
      "basis": "pattern"
    },
    "drawdown": {
      "yes_no": 0.845,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "miss": {
      "yes_no": 0.1409,
      "rule": "miss_eps_last > 0.5",
      "basis": "pattern"
    },
    "below200": {
      "yes_no": 0.9326,
      "rule": "C < sma(C, 200)",
      "basis": "comparison"
    },
    "drop5": {
      "yes_no": 0.463
    }
  },
  "context": {
    "symbol": "T",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "trap",
      "fired": true,
      "status": "dry_run",
      "do": "slack",
      "connection": "income-book",
      "preview": {
        "text": "T (2026-10-30): possible yield trap. Cut 14%, 20% drawdown 84%."
      }
    }
  ]
}

cut_last div_yield_ttm max miss_eps_last sma

Try it in the Playground

Dividend investor · example 3

Ex-dividend calendar: my income holdings every Monday

Each Monday, list which holdings go ex-dividend within 30 days, with the amount change.

ora-fin-0.1.14 symbols, one request each4 questions1 actionworkflow · Mon at 08:00 ET

ScheduleMon at 08:00 ET
State4 symbols
Questions4 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"KO"} then PEP, PG, JNJ, one request each. The server fills in the latest completed session.

Questions

`ex_soon`	rule	`days_to_ex_div <= 30` Goes ex-dividend within 30 days
`next_up`	English → rule	Is the next declared dividend larger than the last one?
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%

Answers

Symbol	`ex_soon`rule	`next_up`rule	`raised`rule	`yield3`rule	Fired
`KO`	0.2049	0.45	0.1409	0.0537	none
`PEP`	0.0537	0.50	0.1409	0.9463	none
`PG`	0.0537	0.50	0.1409	0.2091	none
`JNJ`	0.9187	0.45	0.1409	0.0648	`ex_list`

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

ex_soon >= 0.6→Emailme

KO 0 of 1 fired · dry run, nothing sent

PEP 0 of 1 fired · dry run, nothing sent

PG 0 of 1 fired · dry run, nothing sent

JNJ 1 of 1 fired · dry run, nothing sent

ex_listwould send (dry run)Email → me

{
  "subject": "JNJ goes ex-dividend within 30 days",
  "text": "JNJ (2026-10-30): declared ex-date within 30 days. Next payment larger than the last: 45%. Raised last time: 14%."
}

What it means

Session of 2026-10-30, 4 symbols: Goes ex-dividend within 30 days: true for JNJ of 4. Is the next declared dividend larger than the last one: true for none of 4. Raised its last dividend: true for none of 4. Yield above 3%: true for PEP of 4. ex_list fired for JNJ.

The email is the week's dividend calendar; names without a declared ex-date stay off it.

As a scheduled workflow (Mon at 08:00 ET)

Create it under Workflows in the console: it runs these questions for every symbol on the schedule and fires the actions per symbol. The answers above are what one run returned.

{
  "name": "Ex-dividend calendar: my income holdings every Monday",
  "symbols": "KO PEP PG JNJ",
  "days": [
    1
  ],
  "at_time": "08:00",
  "model": "ora-fin-0.1.1",
  "questions": {
    "ex_soon": {
      "type": "yes_no",
      "ask": "days_to_ex_div <= 30"
    },
    "next_up": {
      "type": "yes_no",
      "instructions": "Is the next declared dividend larger than the last one?"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    }
  },
  "actions": [
    {
      "id": "ex_list",
      "when": "ex_soon >= 0.6",
      "do": "email",
      "connection": "me",
      "subject": "{{symbol}} goes ex-dividend within 30 days",
      "message": "{{symbol}} ({{as_of}}): declared ex-date within 30 days. Next payment larger than the last: {{next_up|pct}}. Raised last time: {{raised|pct}}."
    }
  ]
}

Request JSON (KO; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "KO"
  },
  "questions": {
    "ex_soon": {
      "type": "yes_no",
      "ask": "days_to_ex_div <= 30"
    },
    "next_up": {
      "type": "yes_no",
      "instructions": "Is the next declared dividend larger than the last one?"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    }
  },
  "actions": [
    {
      "id": "ex_list",
      "when": "ex_soon >= 0.6",
      "do": "email",
      "connection": "me",
      "subject": "{{symbol}} goes ex-dividend within 30 days",
      "message": "{{symbol}} ({{as_of}}): declared ex-date within 30 days. Next payment larger than the last: {{next_up|pct}}. Raised last time: {{raised|pct}}."
    }
  ],
  "dry_run": true
}

Response JSON (KO, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "ex_soon": {
      "yes_no": 0.2049,
      "rule": "days_to_ex_div <= 30",
      "basis": "rule"
    },
    "next_up": {
      "yes_no": 0.45,
      "rule": "next_div_amount > last_div_amount",
      "basis": "pattern"
    },
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.0537,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    }
  },
  "context": {
    "symbol": "KO",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "ex_list",
      "fired": false,
      "status": "skipped"
    }
  ]
}

days_to_ex_div div_yield_ttm last_div_amount next_div_amount raised_last

Try it in the Playground

Dividend investor · example 4

Monthly income: does O still pay monthly

Realty Income is bought for monthly payments; confirm the count and the record.

ora-fin-0.1.1O5 questions

StateO
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"O"} The server fills in the latest completed session.

Questions

`monthly`	English → rule	Does the stock pay a monthly dividend?
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`no_cut`	rule	`cut_last < 0.5` Did not cut its last dividend
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`trend`	rule	`div_yield_ttm > 2 and C > sma(C, 200)` Yield above 2% and above the 200-day

Answers

Question	Answer	Reading
`monthly` Does the stock pay a monthly dividend compiled to `div_count_ttm >= 11`	0.9317	true
`raised` Raised its last dividend	0.1409	false
`no_cut` Did not cut its last dividend	0.8591	true
`yield3` Yield above 3%	0.9463	true
`trend` Yield above 2% and above the 200-day	0.1427	false

What it means

For O on the session of 2026-10-30: True now: Does the stock pay a monthly dividend; Did not cut its last dividend; Yield above 3%. Not true: Raised its last dividend; Yield above 2% and above the 200-day.

Twelve payments a year, no cut and a yield above three percent is what the position is for.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "O"
  },
  "questions": {
    "monthly": {
      "type": "yes_no",
      "instructions": "Does the stock pay a monthly dividend?"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "no_cut": {
      "type": "yes_no",
      "ask": "cut_last < 0.5"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "trend": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 2 and C > sma(C, 200)"
    }
  }
}

Response JSON (O, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "monthly": {
      "yes_no": 0.9317,
      "rule": "div_count_ttm >= 11",
      "basis": "pattern"
    },
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "no_cut": {
      "yes_no": 0.8591,
      "rule": "cut_last < 0.5",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "trend": {
      "yes_no": 0.1427,
      "rule": "div_yield_ttm > 2 and C > sma(C, 200)",
      "basis": "rule"
    }
  },
  "context": {
    "symbol": "O",
    "as_of": "2026-10-30"
  }
}

cut_last div_count_ttm div_yield_ttm raised_last sma

Try it in the Playground

Dividend investor · example 5

Dividend cut alert for the whole income book (Slack)

Post to the household channel the moment any holding's last payment is below the one before.

ora-fin-0.1.14 symbols, one request each4 questions1 actionworkflow · Mon–Fri at 17:00 ET

ScheduleMon–Fri at 17:00 ET
State4 symbols
Questions4 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"T"} then VZ, MO, O, one request each. The server fills in the latest completed session.

Questions

`cut`	English → rule	Did the stock cut its dividend last time?
`change`	rule	`div_change_pct < -10` Last payment more than 10% below the previous
`days_ex`	rule	`days_since_ex_div <= 45` Went ex-dividend within 45 days
`drop10`	forecast	Will it drop at least 10% at some point in the next month? A 10% drawdown within a month

Answers

Symbol	`cut`rule	`change`rule	`days_ex`rule	`drop10`forecast	Fired
`T`	0.1409	0.0683	0.9463	0.463	none
`VZ`	0.1409	0.0683	0.9463	0.421	none
`MO`	0.1409	0.0537	0.55	0.543	none
`O`	0.1409	0.0683	0.9463	0.314	none

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

cut >= 0.6→Slackincome-book

T 0 of 1 fired · dry run, nothing sent

VZ 0 of 1 fired · dry run, nothing sent

MO 0 of 1 fired · dry run, nothing sent

O 0 of 1 fired · dry run, nothing sent

What it means

Session of 2026-10-30, 4 symbols: Did the stock cut its dividend last time: true for none of 4. Last payment more than 10% below the previous: true for none of 4. Went ex-dividend within 45 days: true for T, VZ, O of 4. Highest odds for “A 10% drawdown within a month”: MO at 54%. cut fired for none.

A cut message means re-underwriting the position; no message means every payout held.

As a scheduled workflow (Mon–Fri at 17:00 ET)

Create it under Workflows in the console: it runs these questions for every symbol on the schedule and fires the actions per symbol. The answers above are what one run returned.

{
  "name": "Dividend cut alert for the whole income book (Slack)",
  "symbols": "T VZ MO O",
  "days": [
    1,
    2,
    3,
    4,
    5
  ],
  "at_time": "17:00",
  "model": "ora-fin-0.1.1",
  "questions": {
    "cut": {
      "type": "yes_no",
      "instructions": "Did the stock cut its dividend last time?"
    },
    "change": {
      "type": "yes_no",
      "ask": "div_change_pct < -10"
    },
    "days_ex": {
      "type": "yes_no",
      "ask": "days_since_ex_div <= 45"
    },
    "drop10": {
      "type": "yes_no",
      "instructions": "Will it drop at least 10% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "cut",
      "when": "cut >= 0.6",
      "do": "slack",
      "connection": "income-book",
      "message": "{{symbol}} ({{as_of}}): last dividend lower than the previous one (cut {{cut|pct}}, over 10% {{change|pct}}). 10% drawdown odds {{drop10|pct}}."
    }
  ]
}

Request JSON (T; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "T"
  },
  "questions": {
    "cut": {
      "type": "yes_no",
      "instructions": "Did the stock cut its dividend last time?"
    },
    "change": {
      "type": "yes_no",
      "ask": "div_change_pct < -10"
    },
    "days_ex": {
      "type": "yes_no",
      "ask": "days_since_ex_div <= 45"
    },
    "drop10": {
      "type": "yes_no",
      "instructions": "Will it drop at least 10% at some point in the next month?"
    }
  },
  "actions": [
    {
      "id": "cut",
      "when": "cut >= 0.6",
      "do": "slack",
      "connection": "income-book",
      "message": "{{symbol}} ({{as_of}}): last dividend lower than the previous one (cut {{cut|pct}}, over 10% {{change|pct}}). 10% drawdown odds {{drop10|pct}}."
    }
  ],
  "dry_run": true
}

Response JSON (T, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "cut": {
      "yes_no": 0.1409,
      "rule": "cut_last > 0.5",
      "basis": "pattern"
    },
    "change": {
      "yes_no": 0.0683,
      "rule": "div_change_pct < -10",
      "basis": "rule"
    },
    "days_ex": {
      "yes_no": 0.9463,
      "rule": "days_since_ex_div <= 45",
      "basis": "rule"
    },
    "drop10": {
      "yes_no": 0.463
    }
  },
  "context": {
    "symbol": "T",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "cut",
      "fired": false,
      "status": "skipped"
    }
  ]
}

cut_last days_since_ex_div div_change_pct

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Dividend investor · example 6

Add to PEP when the yield is high and the price dips

Income investors add when the price dips inside a long uptrend, which raises the yield on new money.

ora-fin-0.1.1PEP5 questions1 action

StatePEP
Questions5 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"PEP"} The server fills in the latest completed session.

Questions

`rsi40`	English → rule	Is RSI below 40?
`zlow`	rule	`zscore(C, 20) < -2` Two deviations under the 20-day mean
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`grower`	rule	`years_of_growth >= 10` Ten years of dividend growth
`up_week`	forecast	Will the stock be higher in a week? Higher in a week

Answers

Question	Answer	Reading
`rsi40` Is RSI below 40 compiled to `rsi(C, 14) < 40`	0.0755	false
`zlow` Two deviations under the 20-day mean	0.0585	false
`yield3` Yield above 3%	0.9463	true
`grower` Ten years of dividend growth	0.9463	true
`up_week` Higher in a week	0.505	51% · close to even

Actions

Rules on the answers decide what to send.

rsi40 >= 0.6 and grower >= 0.6→Webhookadvisor-crm

What each action would send 0 of 1 fired · dry run, nothing sent

crmrule false: skipped

What it means

For PEP on the session of 2026-10-30: True now: Yield above 3%; Ten years of dividend growth. Not true: Is RSI below 40; Two deviations under the 20-day mean. Forecasts: Higher in a week 51%. No action fired: every rule was false.

Oversold plus a higher yield on a long grower is the add signal; the forecast says how patient to be.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "PEP"
  },
  "questions": {
    "rsi40": {
      "type": "yes_no",
      "instructions": "Is RSI below 40?"
    },
    "zlow": {
      "type": "yes_no",
      "ask": "zscore(C, 20) < -2"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "grower": {
      "type": "yes_no",
      "ask": "years_of_growth >= 10"
    },
    "up_week": {
      "type": "yes_no",
      "instructions": "Will the stock be higher in a week?"
    }
  },
  "actions": [
    {
      "id": "crm",
      "when": "rsi40 >= 0.6 and grower >= 0.6",
      "do": "webhook",
      "connection": "advisor-crm",
      "body": {
        "symbol": "{{symbol}}",
        "task": "add_on_dip",
        "p_rsi_under_40": "{{rsi40}}",
        "as_of": "{{as_of}}"
      }
    }
  ],
  "dry_run": true
}

Response JSON (PEP, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "rsi40": {
      "yes_no": 0.0755,
      "rule": "rsi(C, 14) < 40",
      "basis": "comparison"
    },
    "zlow": {
      "yes_no": 0.0585,
      "rule": "zscore(C, 20) < -2",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "grower": {
      "yes_no": 0.9463,
      "rule": "years_of_growth >= 10",
      "basis": "rule"
    },
    "up_week": {
      "yes_no": 0.505
    }
  },
  "context": {
    "symbol": "PEP",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "crm",
      "fired": false,
      "status": "skipped"
    }
  ]
}

div_yield_ttm rsi years_of_growth zscore

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Dividend investor · example 7

Dividend ETF comparison: SCHD, VIG, VYM, NOBL

Same questions for four dividend ETFs: trend, yield, drawdown and next-month odds.

ora-fin-0.1.14 symbols, one request each5 questions

State4 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"SCHD"} then VIG, VYM, NOBL, one request each. The server fills in the latest completed session.

Questions

`trend`	English → rule	Is the stock above its 200-day moving average?
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`drawdown`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`sma_up`	rule	`sma(C, 200) > ref(sma(C, 200), -20)` The 200-day average is rising
`beat_spy`	forecast	Will it beat SPY over the next month? Beating SPY over a month

Answers

Symbol	`trend`rule	`yield3`rule	`drawdown`rule	`sma_up`rule	`beat_spy`forecast
`SCHD`	0.9463	0.4287	0.0537	0.9463	0.523
`VIG`	0.9463	0.0537	0.0537	0.9463	0.427
`VYM`	0.9274	0.0901	0.0537	0.9463	0.44
`NOBL`	0.9335	0.0674	0.0537	0.943	0.49

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 4 symbols: Is the stock above its 200-day moving average: true for SCHD, VIG, VYM, NOBL of 4. Yield above 3%: true for none of 4. More than 20% off the 52-week high: true for none of 4. The 200-day average is rising: true for SCHD, VIG, VYM, NOBL of 4. Highest odds for “Beating SPY over a month”: SCHD at 52%.

The fund with the best trend and a yield that fits the income target gets new money this month.

Request JSON (SCHD; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "SCHD"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "drawdown": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "sma_up": {
      "type": "yes_no",
      "ask": "sma(C, 200) > ref(sma(C, 200), -20)"
    },
    "beat_spy": {
      "type": "yes_no",
      "instructions": "Will it beat SPY over the next month?"
    }
  }
}

Response JSON (SCHD, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.9463,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "yield3": {
      "yes_no": 0.4287,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "drawdown": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "sma_up": {
      "yes_no": 0.9463,
      "rule": "sma(C, 200) > ref(sma(C, 200), -20)",
      "basis": "rule"
    },
    "beat_spy": {
      "yes_no": 0.523
    }
  },
  "context": {
    "symbol": "SCHD",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm max ref sma

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Dividend investor · example 8

Did KO's earnings back the dividend

A dividend is paid from earnings: check the last report beat, EPS growth and positivity.

ora-fin-0.1.1KO5 questions

StateKO
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"KO"} The server fills in the latest completed session.

Questions

`beat`	English → rule	Did the stock beat EPS estimates last quarter?
`eps_pos`	English → rule	Was EPS positive last quarter?
`eps_up`	English → rule	Is EPS up year over year?
`rev`	English → rule	Did revenue grow more than 5% year over year?
`raise_next`	forecast	Will the company raise its dividend next year? Raising the dividend next year

Answers

Question	Answer	Reading
`beat` Did the stock beat EPS estimates last quarter compiled to `beat_eps_last > 0.5`	0.8591	true
`eps_pos` Was EPS positive last quarter compiled to `last_eps > 0`	0.9463	true
`eps_up` Is EPS up year over year compiled to `last_eps > eps_year_ago`	0.9463	true
`rev` Did revenue grow more than 5% year over year compiled to `revenue_growth_yoy > 5`	0.9463	true
`raise_next` Raising the dividend next year	0.517	52% · close to even

What it means

For KO on the session of 2026-10-30: True now: Did the stock beat EPS estimates last quarter; Was EPS positive last quarter; Is EPS up year over year; Did revenue grow more than 5% year over year. Forecasts: Raising the dividend next year 52%.

Positive, growing EPS after a beat means the payout has support; a miss and falling EPS is a reason to watch the next declaration.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "KO"
  },
  "questions": {
    "beat": {
      "type": "yes_no",
      "instructions": "Did the stock beat EPS estimates last quarter?"
    },
    "eps_pos": {
      "type": "yes_no",
      "instructions": "Was EPS positive last quarter?"
    },
    "eps_up": {
      "type": "yes_no",
      "instructions": "Is EPS up year over year?"
    },
    "rev": {
      "type": "yes_no",
      "instructions": "Did revenue grow more than 5% year over year?"
    },
    "raise_next": {
      "type": "yes_no",
      "instructions": "Will the company raise its dividend next year?"
    }
  }
}

Response JSON (KO, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "beat": {
      "yes_no": 0.8591,
      "rule": "beat_eps_last > 0.5",
      "basis": "pattern"
    },
    "eps_pos": {
      "yes_no": 0.9463,
      "rule": "last_eps > 0",
      "basis": "pattern"
    },
    "eps_up": {
      "yes_no": 0.9463,
      "rule": "last_eps > eps_year_ago",
      "basis": "pattern"
    },
    "rev": {
      "yes_no": 0.9463,
      "rule": "revenue_growth_yoy > 5",
      "basis": "pattern"
    },
    "raise_next": {
      "yes_no": 0.517
    }
  },
  "context": {
    "symbol": "KO",
    "as_of": "2026-10-30"
  }
}

beat_eps_last eps_year_ago last_eps revenue_growth_yoy

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Dividend investor · example 9

REIT health check: VNQ, O and PLD

Rate-sensitive income: trend, drawdown and yield in one batch.

ora-fin-0.1.13 symbols, one request each5 questions

State3 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"VNQ"} then O, PLD, one request each. The server fills in the latest completed session.

Questions

`trend`	rule	`C > sma(C, 50)` Above the 50-day average
`drawdown`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`trend`rule	`drawdown`rule	`yield3`rule	`raised`rule	`drop5`forecast
`VNQ`	0.7433	0.0537	0.8893	0.1409	0.218
`O`	0.4661	0.1005	0.9463	0.1409	0.313
`PLD`	0.0812	0.116	0.7763	0.1409	0.342

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 3 symbols: Above the 50-day average: true for VNQ of 3. More than 20% off the 52-week high: true for none of 3. Yield above 3%: true for VNQ, O, PLD of 3. Raised its last dividend: true for none of 3. Highest odds for “A 5% drawdown within a month”: PLD at 34%.

REITs above their 50-day with no deep drawdown keep their weight; the rest wait for rates to settle.

Request JSON (VNQ; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VNQ"
  },
  "questions": {
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "drawdown": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (VNQ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "trend": {
      "yes_no": 0.7433,
      "rule": "C > sma(C, 50)",
      "basis": "rule"
    },
    "drawdown": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.8893,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.218
    }
  },
  "context": {
    "symbol": "VNQ",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm max raised_last sma

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Dividend investor · example 10

Energy income: XOM and CVX dividend and trend

Oil majors pay well but swing with crude; check both together.

ora-fin-0.1.12 symbols, one request each5 questions

State2 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"XOM"} then CVX, one request each. The server fills in the latest completed session.

Questions

`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`grower`	rule	`years_of_growth >= 10` Ten years of dividend growth
`trend`	rule	`sma(C, 50) > sma(C, 200)` 50-day above the 200-day
`adx`	rule	`adx(14) > 25` Trending (ADX above 25)
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`yield3`rule	`grower`rule	`trend`rule	`adx`rule	`drop5`forecast
`XOM`	0.0537	0.0537	0.9463	0.8859	0.506
`CVX`	0.4906	0.1409	0.9463	0.9102	0.496

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Yield above 3%: true for none of 2. Ten years of dividend growth: true for none of 2. 50-day above the 200-day: true for XOM, CVX of 2. Trending (ADX above 25): true for XOM, CVX of 2. Highest odds for “A 5% drawdown within a month”: XOM at 51%.

Both growing and in trend means income plus price; a broken trend means the yield is the only return for now.

Request JSON (XOM; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "XOM"
  },
  "questions": {
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "grower": {
      "type": "yes_no",
      "ask": "years_of_growth >= 10"
    },
    "trend": {
      "type": "yes_no",
      "ask": "sma(C, 50) > sma(C, 200)"
    },
    "adx": {
      "type": "yes_no",
      "ask": "adx(14) > 25"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (XOM, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "yield3": {
      "yes_no": 0.0537,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "grower": {
      "yes_no": 0.0537,
      "rule": "years_of_growth >= 10",
      "basis": "rule"
    },
    "trend": {
      "yes_no": 0.9463,
      "rule": "sma(C, 50) > sma(C, 200)",
      "basis": "rule"
    },
    "adx": {
      "yes_no": 0.8859,
      "rule": "adx(14) > 25",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.506
    }
  },
  "context": {
    "symbol": "XOM",
    "as_of": "2026-10-30"
  }
}

adx div_yield_ttm sma years_of_growth

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Information, not investment advice. Rules answer from the latest completed daily session; forecasts are probabilities. Actions ran as dry runs: nothing was sent. More in Individuals: Retail investor, Active day trader, Swing trader, Options trader, Long-term passive investor, Crypto trader, FX trader, Commodities trader, Social trading community, Students and universities.

Create an account Open the Playground Everything here also lives in the console, next to your keys and usage.

Individuals

Buy side

Sell side

Corporates

Builders

Institutions

Is JNJ still a dividend grower worth holding

State

Questions

Answers

Actions

What it means

Yield-trap screen: T, VZ, MO, PFE

State

Questions

Answers

Actions

What it means

Ex-dividend calendar: my income holdings every Monday

State

Questions

Answers

Actions

What it means

Monthly income: does O still pay monthly

State

Questions

Answers

What it means

Dividend cut alert for the whole income book (Slack)

State

Questions

Answers

Actions

What it means

Add to PEP when the yield is high and the price dips

State

Questions

Answers

Actions

What it means

Dividend ETF comparison: SCHD, VIG, VYM, NOBL

State

Questions

Answers

What it means

Did KO's earnings back the dividend

State

Questions

Answers

What it means

REIT health check: VNQ, O and PLD

State

Questions

Answers

What it means

Energy income: XOM and CVX dividend and trend

State

Questions

Answers

What it means