TheStreet Ratings' stock model projects a stock's total return potential over a 12-month period including both price appreciation and dividends. Our Buy, Hold or Sell ratings designate how we expect these stocks to perform against a general benchmark of the equities market and interest rates.

While plenty of high-yield opportunities exist, investors must always consider the safety of their dividend and the total return potential of their investment. It is not uncommon for a struggling company to suspend high-yielding dividends which could subsequently result in precipitous share price declines.

TheStreet Ratings' stock rating model views dividends favorably, but not so much that other factors are disregarded. Our model gauges the relationship between risk and reward in several ways, including: the pricing drawdown as compared to potential profit volatility, i.e. how much one is willing to risk in order to earn profits?; the level of acceptable volatility for highly performing stocks; the current valuation as compared to projected earnings growth; and the financial strength of the underlying company as compared to its stock's valuation as compared to its stock's performance.

These and many more derived observations are then combined, ranked, weighted, and scenario-tested to create a more complete analysis. The result is a systematic and disciplined method of selecting stocks. As always, stock ratings should not be treated as gospel — rather, use them as a starting point for your own research.

The following pages contain our analysis of 3 stocks with substantial yields, that ultimately, we have rated "Hold."

TAL International Group

Dividend Yield: 15.70%

TAL International Group

(NYSE:

TAL

) shares currently have a dividend yield of 15.70%.

TAL International Group, Inc., together with its subsidiaries, leases intermodal transportation equipment and provides maritime container management services worldwide. The company operates in two segments, Equipment Leasing and Equipment Trading. The company has a P/E ratio of 5.22.

The average volume for TAL International Group has been 512,500 shares per day over the past 30 days. TAL International Group has a market cap of $609.6 million and is part of the diversified services industry. Shares are down 60.9% year-to-date as of the close of trading on Tuesday.

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TheStreet Ratings rates

TAL International Group

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth, attractive valuation levels and expanding profit margins. However, as a counter to these strengths, we also find weaknesses including feeble growth in the company's earnings per share, deteriorating net income and generally higher debt management risk.

Highlights from the ratings report include:

  • Despite its growing revenue, the company underperformed as compared with the industry average of 2.8%. Since the same quarter one year prior, revenues slightly increased by 2.3%. This growth in revenue does not appear to have trickled down to the company's bottom line, displayed by a decline in earnings per share.
  • Net operating cash flow has slightly increased to $111.89 million or 7.81% when compared to the same quarter last year. Despite an increase in cash flow, TAL INTERNATIONAL GROUP INC's cash flow growth rate is still lower than the industry average growth rate of 30.79%.
  • The company, on the basis of change in net income from the same quarter one year ago, has significantly underperformed compared to the Trading Companies & Distributors industry average, but is greater than that of the S&P 500. The net income has decreased by 9.2% when compared to the same quarter one year ago, dropping from $29.36 million to $26.67 million.
  • The debt-to-equity ratio is very high at 4.77 and currently higher than the industry average, implying increased risk associated with the management of debt levels within the company.

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American Capital Senior Floating

Dividend Yield: 9.50%

American Capital Senior Floating

(NASDAQ:

ACSF

) shares currently have a dividend yield of 9.50%.

American Capital Senior Floating, Ltd. is a close ended fixed income mutual fund launched by American Capital Asset Management, LLC. The fund is managed by American Capital ACSF Management, LLC. It invests in fixed income markets of the United States.

The average volume for American Capital Senior Floating has been 44,400 shares per day over the past 30 days. American Capital Senior Floating has a market cap of $122.1 million and is part of the financial services industry. Shares are up 1.9% year-to-date as of the close of trading on Tuesday.

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TheStreet Ratings rates

TheStreet Recommends

American Capital Senior Floating

as a

hold

. The company's strengths can be seen in multiple areas, such as its growth in earnings per share, increase in net income and revenue growth. However, as a counter to these strengths, we find that the stock has had a generally disappointing performance in the past year.

Highlights from the ratings report include:

  • AMERICAN CAPITAL SR FLTG LTD has improved earnings per share by 14.3% in the most recent quarter compared to the same quarter a year ago. This year, the market expects an improvement in earnings ($1.29 versus $0.37).
  • The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Capital Markets industry. The net income increased by 10.8% when compared to the same quarter one year prior, going from $2.85 million to $3.16 million.
  • When compared to other companies in the Capital Markets industry and the overall market, AMERICAN CAPITAL SR FLTG LTD's return on equity is below that of both the industry average and the S&P 500.
  • ACSF has underperformed the S&P 500 Index, declining 13.09% from its price level of one year ago. Looking ahead, other than the push or pull of the broad market, we do not see anything in the company's numbers that may help reverse the decline experienced over the past 12 months. Despite the past decline, the stock is still selling for more than most others in its industry.

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CVR Partners

Dividend Yield: 14.00%

CVR Partners

(NYSE:

UAN

) shares currently have a dividend yield of 14.00%.

CVR Partners, LP produces, distributes, and markets nitrogen fertilizer products in North America. It provides ammonia products for industrial and agricultural customers; and urea ammonium nitrate (UAN) products for agricultural customers. The company has a P/E ratio of 8.64.

The average volume for CVR Partners has been 203,800 shares per day over the past 30 days. CVR Partners has a market cap of $814.6 million and is part of the chemicals industry. Shares are up 14.4% year-to-date as of the close of trading on Tuesday.

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TheStreet Ratings rates

CVR Partners

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth, expanding profit margins and good cash flow from operations. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself and feeble growth in the company's earnings per share.

Highlights from the ratings report include:

  • The revenue growth came in higher than the industry average of 10.8%. Since the same quarter one year prior, revenues slightly increased by 4.7%. Growth in the company's revenue appears to have helped boost the earnings per share.
  • The gross profit margin for CVR PARTNERS LP is rather high; currently it is at 50.29%. It has increased significantly from the same period last year. Along with this, the net profit margin of 33.42% significantly outperformed against the industry average.
  • The current debt-to-equity ratio, 0.31, is low and is below the industry average, implying that there has been successful management of debt levels. Despite the fact that UAN's debt-to-equity ratio is low, the quick ratio, which is currently 0.51, displays a potential problem in covering short-term cash needs.
  • CVR PARTNERS LP reported significant earnings per share improvement in the most recent quarter compared to the same quarter a year ago. This company has reported somewhat volatile earnings recently. We feel it is likely to report a decline in earnings in the coming year. During the past fiscal year, CVR PARTNERS LP reported lower earnings of $1.03 versus $1.62 in the prior year. For the next year, the market is expecting a contraction of 3.4% in earnings ($1.00 versus $1.03).
  • UAN's stock share price has done very poorly compared to where it was a year ago: Despite any rallies, the net result is that it is down by 30.97%, which is also worse that the performance of the S&P 500 Index. Investors have so far failed to pay much attention to the earnings improvements the company has managed to achieve over the last quarter. Naturally, the overall market trend is bound to be a significant factor. However, in one sense, the stock's sharp decline last year is a positive for future investors, making it cheaper (in proportion to its earnings over the past year) than most other stocks in its industry. But due to other concerns, we feel the stock is still not a good buy right now.

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