Buy This High-Yield Dividend Stock in July 2024
Buy This High-Yield Dividend Stock in July 2024
Are you looking for ways to generate passive income? Having only one income stream is not good enough anymore. Finding more ways to make money is essential to achieving your short- and long-term financial goals. Stock market investing offers plenty of ways to use your money to earn more without doing anything.
您是否正在尋找生成被動收入的方式？僅有一個收入來源已經不夠好了，尋找更多賺錢方式對實現您的短期和長期財務目標至關重要。股票市場投資提供了多種使用資金賺取更多資金的途徑，而無需任何操作。被動收入投資高質量和高收益的分紅股票可以是建立賺取被動收入的投資組合的絕佳途徑。 TSX板塊有很多可供考慮用於此目的的分紅股票。加拿大金融股長期以來一直是投資者穩定獲得分紅收入的核心標的。
Investing in high-quality, high-yielding dividend stocks can be an excellent way to build a portfolio that earns passive income. The TSX sector boasts plenty of dividend stocks you can consider for this purpose. Canadian financial stocks have long been staple holdings for investors to earn reliable passive income through dividends.
Canada的金融行業的嚴格監管框架使得加拿大銀行股比很多跨境運營的銀行更加安全。通常情況下，加拿大頂級銀行股的股息不高。然而，現在您可以考慮投資一隻金融股票，以利用股票價格下跌並鎖定高股息。
Canadaâs strict regulatory framework for the financial sector makes Canadian bank stocks much safer than many of their counterparts operating across the border. Typically, the top Canadian bank stocks do not boast high-yielding dividends. However, there is a financial stock you can consider investing in right now to leverage the pullback in share prices and lock in high-yielding dividends.
First national是一個位於多倫多的21.6億市值金融服務公司。與加拿大六大銀行不同，First national不提供支票帳戶或儲蓄帳戶，而以發放抵押貸款並通過發行債券獲得貸款的方式進行業務。與具有銀行業務的同行機構相比，其獨特的商業模式使得First national金融對流動性問題有一定程度的抵禦能力。
First National Financial
第一資本金融
First National Financial (TSX:FN) is a Toronto-headquartered, $2.16 billion market capitalization financial services company. Unlike the Big Six Canadian banks, First National does not offer checking or savings accounts.
第一資本金融（TSX：FN）是一家總部位於多倫多的21.6億市值的金融服務公司。與加拿大六大銀行不同，First national不提供支票帳戶或儲蓄帳戶。
It operates as a non-bank lender that issues mortgages and funds its loans by issuing bonds. Compared to its peers with banking operations, its unique business model gives First National Financial a degree of insulation from liquidity issues.
它作爲一家非銀行貸款人提供抵押貸款並通過發行債券獲得貸款。與具有銀行業務的同行機構相比，其獨特的商業模式使得First national金融對流動性問題有一定程度的抵禦能力。
Typically, banks rely on liquidity through checking and savings accounts from their customers. While that can provide a significant amount of liquidity, bank customers can also withdraw amounts from their accounts whenever they please. If too many customers withdraw deposits at a bank, it creates liquidity problems.
通常情況下，銀行依靠客戶的支票和儲蓄帳戶來獲得流動性。雖然這可以提供大量的流動性，但銀行客戶也可以隨意提取其帳戶中的金額。如果銀行客戶大量提款，就會出現流動性問題。
People tend to take money out of their accounts and allocate it to treasury bonds when yields are higher to get better returns. Unfortunately for banks, it means they have to compensate by increasing interest rates. The result can be customers withdrawing en masse. As a non-bank lender, First Nationalâs reliance on deposits makes its mortgages safer than those with banks.
人們傾向於從他們的帳戶中取出錢，並將其分配給國庫券，以獲取更好的回報。不幸的是，這意味着他們必須通過提高利率來補償銀行。結果可能是客戶大量取款。作爲一家非銀行貸款人，First National金融對存款的依賴性使其抵抗銀行產生流動性問題的抵禦能力比較高。
As with any business model, First National Financial does not enjoy complete immunity to liquidity issues. The approach also makes First National a highly leveraged company, with the financial services company having far more debt than equity. The good thing about FN stock is that it has managed its debt load well over the years, delivering significant revenue growth and growing shareholder value.
與任何商業模式一樣，First National Financial並不完全免疫流動性問題。其方法也使First National成爲一家高度槓桿化的公司，該金融服務公司的負債遠遠大於股本。FN股的好處是，多年來它一直很好地管理其負債負擔，實現了顯著的營收增長和股東價值的增長。
Foolish takeaway
愚蠢的帶走
As of this writing, First National stock trades for $36.06 per share, boasting a juicy 6.79% dividend yield. The annual dividends per share amount to $2.45 per share, but it distributes the payouts to shareholders on a monthly schedule of $0.204167 payments. Besides offering high-yielding dividends, it also has a track record of increasing payouts.
截至本文撰寫時，First National股票每股交易價格爲36.06美元，擁有6.79%的股息收益率。每股年度股息金額爲2.45美元，但是它按月分配紅利給股東，爲0.204167美元/股。除了提供高收益的股息外，它還有增加股息派發記錄的記錄。
FN stock has raised its payouts to shareholders for the last 12 years, growing at an average of over 5% per year. Investing in its shares at current levels can mean even higher yielding dividends before its share prices rise again. Buying and holding this dividend stock at current levels can deliver substantial long-term wealth growth.
FN股一直以來都在提高分紅股息派發，過去的12年中增長率平均爲5%以上。在目前的水平投資其股票意味着在其股票價格再次上漲之前可以獲得更高的股息收益。在當前水平買入和持有此分紅股，可以帶來長期的財富增長。分紅股在2024年7月購買此高收益股票。
The post Buy This High-Yield Dividend Stock in July 2024 appeared first on The Motley Fool Canada.
加拿大愚人節
譯文內容由第三人軟體翻譯。