Ex-Dividend Date

The ex-dividend date is the first day a stock trades without the right to receive the next declared dividend. To receive the dividend, you must own the stock before this date.

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Exam Tip

Ex-date = 1 business day before record date. Buy BEFORE ex-date to get dividend. Stock price drops by dividend amount on ex-date.

What is the Ex-Dividend Date?

The ex-dividend date is the critical cutoff for dividend eligibility. If you buy a stock on or after the ex-date, you won't receive the upcoming dividend payment.

Important Dividend Dates

DateWhat Happens
Declaration DateBoard announces dividend
Ex-Dividend DateFirst day stock trades without dividend right
Record DateMust be shareholder of record to get dividend
Payment DateDividend is paid

The Rule

  • Buy BEFORE ex-date = You get the dividend
  • Buy ON or AFTER ex-date = You don't get the dividend
  • Ex-date is typically 1 business day before record date

Price Adjustment

On the ex-dividend date, the stock price typically drops by approximately the dividend amount (since new buyers don't get the dividend).

Example:

  • Stock closes at $50
  • Dividend: $1
  • Opens ex-dividend at approximately $49

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