배당금 계산기

def dividend_yield(annual_dividend_per_share, stock_price):
    """Dividend yield as a percentage."""
    return round((annual_dividend_per_share / stock_price) * 100, 2)

def annual_income(shares, annual_dividend_per_share):
    """Total annual dividend income."""
    return round(shares * annual_dividend_per_share, 2)

def future_dividend(current_dividend, growth_rate, years):
    """Future dividend using Gordon Growth Model."""
    return round(current_dividend * ((1 + growth_rate / 100) ** years), 4)

def payout_ratio(dividends_per_share, earnings_per_share):
    """Dividend payout ratio (lower is safer)."""
    return round((dividends_per_share / earnings_per_share) * 100, 2)

# Examples
print(dividend_yield(2.40, 60))            # 4.0%
print(annual_income(500, 2.40))            # 1200.0
print(future_dividend(2.40, 5, 10))        # ~3.91 after 10 years at 5% growth
print(payout_ratio(2.40, 4.80))            # 50.0%