About Cordlife Group Limited (CLIFF) — Dividend Analysis 2026
Cordlife Group Limited, an investment holding company, provides cord blood banking services in Singapore, Hong Kong, India, Malaysia, the Philippines, and internationally. The company operates through two segments, Banking and Diagnostics. It provides cord blood, cord lining, and cord tissue banking services comprising processing and storage of stem cells; and non-invasive prenatal testing, paediatric vision screening, newborn metabolic screening, and newborn genetic screening services. The company also offers preimplantation genetic screening, endometrial receptivity test, paediatric allergen test, and genetic talent test services, as well as moms up, a mobile app for pregnancy and parenting resources. In addition, it provides management, marketing, and property investment services. Cordlife Group Limited was incorporated in 2001 and is headquartered in Singapore.
Is CLIFF a good dividend investment in 2026?
CLIFF offers a 2902.76% forward yield with a 50% payout ratio. Strand Safety Score: 15/100 (Critical Risk). The 5-year dividend CAGR of -50% is modest — investors should weigh current income against growth alternatives.
CLIFF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CLIFF portfolio grows to $142523.90M vs $290.1K without reinvestment. This is the compound interest effect in action.
CLIFF dividend growth history & forecast
CLIFF has grown its dividend by 0% over the last year and -50% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 2902.76%.
Company generates negative FCF ($-728,455) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
0 / 30 pts
0/30
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum-0.0B → -0.0B → +0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
High risk of dividend cut — weak fundamentals across multiple factors.
STRAND SCORE
15
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 CLIFF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CLIFF.
Gross yield
2902.76%
Tax rate
15.00%
After-tax yield
2467.35%
Real yield (−CPI)
2464.55%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
2902.76%
2899.96%
$290,276 / yr
🇺🇸 US Taxable (15%) ✓
15%
2467.35%
2464.55%
$246,735 / yr
🇺🇸 US Taxable (20%)
20%
2322.21%
2319.41%
$232,221 / yr
🇬🇧 UK ISA
0%
2902.76%
2899.96%
$290,276 / yr
🇬🇧 UK Taxable
8.75%
2648.77%
2645.97%
$264,877 / yr
🇨🇦 TFSA
0%
2902.76%
2899.96%
$290,276 / yr
🇨🇦 CA Taxable
25%
2177.07%
2174.27%
$217,707 / yr
🇦🇺 Super (pension)
15%
2467.35%
2464.55%
$246,735 / yr
🇦🇺 AU Taxable
30%
2031.93%
2029.13%
$203,193 / yr
🇩🇪 DE Taxable
26.375%
2137.16%
2134.36%
$213,716 / yr
🇫🇷 FR Taxable
30%
2031.93%
2029.13%
$203,193 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CLIFF Income Goal & Break-Even
Dividend Break-Even
1yr
Years for dividends to fully repay your CLIFF investment of $0.07/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$49114.70M
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$49114.70M
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CLIFF for:
Shares needed
14,118
Capital required
$973
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CLIFF Dividend Payment Schedule
CLIFF pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 CLIFF vs Healthcare Benchmarks
How CLIFF compares to typical Healthcare averages.
Benchmark: Healthcare
Dividend Yield▲+2899.96% vs sectorBetter
CLIFF
2902.76%
avg
2.80%
5Y Dividend CAGR▼-56.80% vs sectorBelow avg
CLIFF
-50.00%
avg
6.80%
Payout Ratio▲-5.00% vs sectorBetter
CLIFF
50.00%
avg
55.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CLIFF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CLIFF Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.65
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
3/9
🔴 Weak fundamentals — dividend safety concern
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CLIFF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →