Does NIO pay a dividend and is it safe?

NIO Inc. American (NIO) offers a 0% cash dividend yield ($0.00 annualized) and 0.6% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Consumer Discretionary / NIO / dividends

VFS (32) OSK (66) XPEV (51) FSS (63) ⌘ Pro Terminal →

NIO Inc. American (NIO) Dividend Safety Gauge & 10-Year DRIP Compounder

$3.21 -3.31% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.18

NIO Inc. American (NIO) carries a Roarable Rating of E (Strong Sell) with 17/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E • RED ALERT Cap $8.04B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NIO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NIO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, NIO Inc. American (NYSE: NIO) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 17/100 at a spot price of $3.21 (-3.31% 1D, market cap $8.04B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 3/20, FRED Macro Regime Fit 3/20, and Executive Insider Alignment 3/20. Across 1009 tracked Consumer Discretionary issuers, NIO ranks #1004 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NIO compare to VFS and OSK in the Consumer Discretionary sector?

▼

Within the Consumer Discretionary sector (Auto Manufacturing), NIO carries a Roarable E (17/100 RQD), trailing P/E of N/A, gross margin of 13.6%, and ROIC of -35.0%. By comparison, VFS (VinFast Auto Ltd.) holds a E grade (32/100 RQD, P/E N/A, ROIC -35.0%, cap $7.65B) and OSK (Oshkosh Corporation (Holding Company)) posts a C+ grade (66/100 RQD, P/E 11.4x, ROIC 14.4%, cap $8.53B). Among the 5-stock peer group, OSK leads on earnings multiple (11.4x) while FSS leads on capital efficiency (15.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NIO?

▼

Per NIO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001736541), NIO Inc. American generated $12.51B in revenue (+38.9% YoY), $0 in net income, and -$135.0M in free cash flow against $17.79B in total assets and $1.23B in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.18 (-0.79%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (17/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-12.5% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • E

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk E

Each axis scored 0–20

12M PRICE TARGET CONE-18.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NIO)Realized 20D OHLCV Swing Band: ±6.8%

Deterministic 5-Pillar Attribution (17/100 Composite)

🔍 WHY NIO SCORES 17/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+5/20 pts (29% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 13.6% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+5/20 pts (29% of score)

20D Institutional Volume Accumulation (±6.8% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$3.41-1.5% Next Q

Q2 (-2Q)

Grade E$3.36-1.2% Next Q

Q3 (-1Q)

Grade E$3.32-3.3% Next Q

Current

Grade E$3.21-12.5% Hist 90D α

Trajectory: E (25) → E (17)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NIO Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NIO currently carries a cautious 17/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.58) and Max Pain ($3.37) forces dealer call-delta covering toward $7.92.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NIO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NIO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 18%NO 82%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

0.6% Total Yield

0% Cash ($0.00/yr) + 0.6% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (15.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $40,809

Est. Year-10 Shareholder Yield: $245/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.5K

Yr 1

$13.2K

Yr 2

$15.2K

Yr 3

$17.6K

Yr 4

$20.2K

Yr 5

$23.3K

Yr 6

$26.8K

Yr 7

$30.8K

Yr 8

$35.5K

Yr 9

$40.8K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NIO)

✓Walkthrough of NIO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NIO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -47.12%▼ DESCENDING CHANNEL

2026-11-03O $3.32H $3.32L $3.21C $3.21VOL 34.91M

RES: $3.54SUP: $2.82SMA50: $3.58SMA200: $4.88

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NIO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NIO Butterfly Map → + Track NIO →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

24.7%/yr Implied 5Y Growth

vs. +38.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NIO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NIO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NIO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NIO)

Consumer Discretionary Rank #1004 of 1009 ⚔️ VFS vs NIO Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (NIO vs. VFS, OSK, XPEV, FSS)

Industry: Auto Manufacturing (28 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, NIO Inc. American (NIO) ranks #1004 by composite RQD confidence (17/100, grade E) and #193 by equity capitalization ($8.04B). Within this direct 5-issuer industry benchmark cohort, OSK leads on earnings valuation at 11.4x trailing P/E, while FSS leads on capital efficiency and profitability with 15.5% ROIC and 28.9% gross margin. OSK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with NIO at 17/100 (E).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NIO ACTIVE NIO Inc. American	E	17/100	—	13.6%	-35.0%	-3.31%	$8.04B	Benchmark Subject
VFS VinFast Auto Ltd.	E	32/100	—	-30.0%	-35.0%	-4.94%	$7.65B	/vfs-vs-nio →
OSK Oshkosh Corporation (Holding Company)	C+	66/100	11.4x	17.5%	14.4%	+3.45%	$8.53B	/osk-vs-nio →
XPEV XPeng Inc. American	D	51/100	32.8x	—	9.9%	-1.52%	$8.66B	/xpev-vs-nio →
FSS Federal Signal Corporation	C	63/100	28.5x	28.9%	15.5%	-2.20%	$6.87B	/fss-vs-nio →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001736541 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NIO Inc. American (NIO) reported GAAP revenue of $12.51B (+38.9% vs. FY2024 revenue of $9.01B , and +59.7% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $427.9M, and free cash flow of -$135.0M (+90.9% YoY). On the balance sheet, NIO closed FY2025 with $17.79B in total assets against $1.23B in total debt (Altman Z-Score: 0.45, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$12.51B	$0	$427.9M	-$135.0M	$17.79B	$1.23B
FY2024 (FY)	2024-12-31	$9.01B	$0	-$1.08B	-$1.48B	$14.74B	$1.57B
FY2023 (FY)	2023-12-31	$7.83B	$0	-$194.6M	-$547.1M	$9.40B	$2.20B

3. NIO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NIO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does NIO compare to VFS and OSK in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for NIO?

Where is NIO trading relative to its 50-day, 200-day, and 52-week technical levels?

NIO last traded at $3.21 (-3.31% on volume of 34,911,936 shares), positioning the stock -10.34% below its 50-day simple moving average ($3.58) and -34.22% below its 200-day simple moving average ($4.88). Across its 52-week range of $3.16 to $7.54, NIO sits at the 1.1% percentile with a 14-day RSI of 37.3 (NEUTRAL RANGE) and an implied next-earnings move of ±6.8% ($2.99 to $3.43).

Direct Sub-Reports: NIO RQD Cockpit NIO 12M Forecast NIO Earnings & Move NIO Dividends & DRIP NIO Insiders & 13F NIO Whale Options NIO Profit Sankey NIO News & Why

ROARABLE RATING BRIEF • RQD 17/100 (E) ✓ SEC XBRL & RQD VERIFIED

NIO — NIO Inc. American: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

NIO Inc. American (NIO) earns a live Roarable RQD composite score of 17/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $3.21 (-3.31% 1D, market capitalization $8.04B).

Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of 13.6%, operating margin of -16.0%, and free cash flow yield of -1.62%.
Whale 13F & Options Flow (5/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (3/20) + Forensic Balance Sheet (3/20): Incorporates a 1.08x equity beta, Altman Z-Score of 0.45, Piotroski F-Score of 3/9, and Debt/Equity of 2.07x.

2. Business Model, Unit Margins & SEC Financial Trajectory

NIO operates in the Consumer Discretionary sector within the Auto Manufacturing industry and trades on the NYSE. The profile does not describe its product lineup, customer base, or revenue model. The company reported revenue of $12. Revenue has grown across the three reported fiscal years, though operating income has been negative in each.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), NIO Inc. American (NIO) reported $12.51B in annual revenue (up from $9.01B in FY2024, +38.9% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($7.83B revenue, $0 net income) through FY2025, NIO scaled operating cash flow to $427.9M and free cash flow to -$135.0M, backed by $17.79B in total assets against $1.23B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (E • RQD 17/100): Established market leader in Consumer Discretionary with deep daily trading liquidity. Free cash flow yield of -1.62% and institutional whale pillar of 5/20. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $3.16 – $7.54 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -16.0% operating margins and a 1.08x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the source data. Sector context is limited to the Consumer Discretionary and Auto Manufacturing classifications. A prospective investor should monitor whether delivery declines, such as the 15.2% October drop cited in the news wire, propagate into revenue and cash-flow pressure, given the negative free cash flow already reported.

Key Question #1: Can NIO sustain or expand its -16.0% operating margin and -35.0% ROIC against Auto Manufacturing peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $12.51B and free cash flow of -$135.0M, how will capital allocation balance growth reinvestment against $1.23B in total debt?
Key Question #3: How sensitive is NIO's 32.0x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.08x)?

NIO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for NIO Inc. American (NIO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NIO Debate Forum (3) ↓

🟢 CATALYST Electric Vehicles • 1d ago

Lucid Stock Sinks Toward Record Low as Nio, XPeng Hit New 12-Month Lows

Electric Vehicles report covering NIO Inc. American (NIO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Breakingthenews.net • 1d ago

NIO's October deliveries down 15.2% to 34,246

Breakingthenews.net report covering NIO Inc. American (NIO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 1d ago

NIO’s Deliveries Fell 15% in October, Ending a 31-Month Growth Streak. Here’s the One Brand Behind the Entire Drop

Key Stats for NIO StockCurrent Price: $3. 21Street Target (Mean): ~$6.

Read Full Source ↗

🟢 CATALYST Benzinga • 1d ago

XPeng Smashes October Delivery Record As Overseas Sales Skyrocket 166%

XPeng (NYSE: XPEV) shares rose premarket after reporting record October deliveries of 50,237 EVs, up 20% year-over-year.

Read Full Source ↗

🔴 RISK WATCH Benzinga • 1d ago

Tesla Rival NIO's October Deliveries Sink 15%

NIO stock slips as October EV deliveries fall 15.2% YoY to 34,246 units, despite year-to-date deliveries rising 38.5% across its brands.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 1d ago

China’s BYD Continues Massive EV Exports. It Isn’t Helping.

Exports accounted for 35% of total sales.

Read Full Source ↗

🔴 RISK WATCH Benzinga • 2d ago

China EV Stocks Tumble: XPeng, Li Auto, BYD and Polestar Hit as Price War Bites

Top China EV stocks like XPeng, Li Auto, BYD, and Polestar have plunged because of the ongoing price war in the country.

Read Full Source ↗

🟢 CATALYST Yahoo • 2d ago

Tesla China EV Rivals BYD, Xiaomi, XPeng Report Strong Sales As Year-End Push Begins

Tesla China rivals BYD, Xiaomi and XPeng reported strong October sales as the traditional year-end push begins.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NIO Bull vs. Bear Conversation Board — What's Your Call at $3.21?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NIO 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $3.82 (+19.0%)

📌 Pinned Debate

Revenue grew from $7.83B in FY 2023 to $12.51B in FY 2025 while debt fell from $2.20B to $1.23B.

Don't sleep on NIO's setup in Consumer Discretionary. Revenue grew from $7.83B in FY 2023 to $12.51B in FY 2025 while debt fell from $2.20B to $1.23B.. Beta of 1.08 means it moves fast when momentum turns, and the 5-pillar RQD gauge (17/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — NIO's 1/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $2.63 (-18.1%)

Spot @ $3.21

With an Altman Z-Score of 0.45, a Piotroski F-Score of 3/9, and ROIC of -35%, the forensic balance sheet pillar scored just 1/20.

Here is the bear case nobody on the bull side wants to address on NIO: With an Altman Z-Score of 0.45, a Piotroski F-Score of 3/9, and ROIC of -35%, the forensic balance sheet pillar scored just 1/20.. At 32.0x forward P/E, even a small guidance miss in Auto Manufacturing triggers a 12-15% air pocket.