About Trainline Plc (TNLIY) — Dividend Analysis 2026
Trainline Plc operates an independent rail and coach travel platform that sells rail and coach tickets worldwide. The company operates through three segments: UK Consumer, UK Trainline Partner Solutions, and International. The UK Consumer segment provides travel apps and websites for individual travelers for journeys within the United Kingdom. The UK Trainline Partner Solutions segment offers travel portal platforms for corporates and travel management companies, and white label e-commerce platforms for train operating companies within the United Kingdom. The International segment provides travel apps and websites for individual travelers for journeys outside the United Kingdom. The company offers routes, fares, and journey times from 270 rail and coach carriers across 45 countries. Trainline Plc was founded in 1997 and is based in London, the United Kingdom.
Is TNLIY a good dividend investment in 2026?
TNLIY offers a 31.75% forward yield with a 50% payout ratio. Strand Safety Score: 60/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
TNLIY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your TNLIY portfolio grows to $3.85M vs $2.60M without reinvestment. This is the compound interest effect in action.
TNLIY dividend growth history & forecast
TNLIY has grown its dividend by 0% over the last year and 0% 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 31.75%.
FCF ($96M) is below dividends paid ($431M) — risk of cut (FCF: $96M · Dividends est.: $431M)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.1B → +0.0B → +0.0B
30 / 30 pts
30/30
Net income grew for 2 consecutive years — strong earnings momentum
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
60
/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.
🌍 TNLIY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold TNLIY.
Gross yield
31.75%
Tax rate
15.00%
After-tax yield
26.99%
Real yield (−CPI)
24.19%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
31.75%
28.95%
$3,175 / yr
🇺🇸 US Taxable (15%) ✓
15%
26.99%
24.19%
$2,699 / yr
🇺🇸 US Taxable (20%)
20%
25.40%
22.60%
$2,540 / yr
🇬🇧 UK ISA
0%
31.75%
28.95%
$3,175 / yr
🇬🇧 UK Taxable
8.75%
28.97%
26.17%
$2,897 / yr
🇨🇦 TFSA
0%
31.75%
28.95%
$3,175 / yr
🇨🇦 CA Taxable
25%
23.81%
21.01%
$2,381 / yr
🇦🇺 Super (pension)
15%
26.99%
24.19%
$2,699 / yr
🇦🇺 AU Taxable
30%
22.22%
19.42%
$2,222 / yr
🇩🇪 DE Taxable
26.375%
23.38%
20.58%
$2,338 / yr
🇫🇷 FR Taxable
30%
22.22%
19.42%
$2,222 / 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.
🎯 TNLIY Income Goal & Break-Even
Dividend Break-Even
4yr
Years for dividends to fully repay your TNLIY investment of $6.30/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$35.3K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$32.9K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in TNLIY for:
Shares needed
14,118
Capital required
$88,943
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 TNLIY Dividend Payment Schedule
TNLIY 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
📊 TNLIY vs S&P 500 Average Benchmarks
How TNLIY compares to typical S&P 500 Average averages. (Sector "Consumer Cyclical" not matched — using S&P 500 average)
Benchmark: S&P 500 Average
Dividend Yield▲+28.75% vs sectorBetter
TNLIY
31.75%
avg
3.00%
5Y Dividend CAGR▼-5.50% vs sectorBelow avg
TNLIY
0.00%
avg
5.50%
Payout Ratio▲-8.00% vs sectorBetter
TNLIY
50.00%
avg
58.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for TNLIY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ TNLIY Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-05-05(in 34 days)
🔬
Financial Health Scores
Altman Z-Score
3.66
✅ Safe Zone — low bankruptcy risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
8/9
✅ Strong fundamentals
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 TNLIY 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 →