On the mid-cap FTSE 250 or smaller AIM index, I tend to find higher yields on average. Yes, these require more careful consideration of the risks involved, but the pay-off can be lucrative.

Here are three high-yielding stocks worth looking at that have had a tough time since Covid. But now they not only offer lucrative income but exhibit signs of a potential recovery in the coming months.

Together, their average yield is 9.9% – almost three times that of the FTSE 100.

Reach

With an 11.5% yield, Reach (LSE: RCH) is the highest on my list. Usually, this would be a red flag – but I think this rare case is worth a closer look.

It’s backed by 11 years of uninterrupted payments and a low payout ratio of 46.4%. Cash coverage is a bit low at only 1.6 times but with earnings up 20% year-on-year, this might improve soon.

As a traditional publisher of newspapers and magazines, Reach has been stuggling to compete in an AI-driven world. As a result, profits took a big hit between 2021 and 2023, and the risk’s ongoing.

But more recently, things have improved, with its net margin rising from 3.78% in 2023 to 9.95% in 2024. If this trend continues, the recovery could deliver both growth and income for investors.

RWS Holdings

RWS Holdings (LSE: RWS) offers a very attractive 9.3% yield — still higher than what would usually be considered sustainable. In this case, there are some red flags. First, it’s unprofitable, posting a loss of £99.8m in its latest results.

Dividends are barely covered by cash (1.11 times) and payouts have declined 43.3% in the past year. So why do I think it’s still worth considering?

I see this one as a valuation play — with a forward price-to-earnings (P/E) ratio of 5.56, the growth potential’s compelling. Plus, it’s been paying dividends consistently and without fail for 22 years, which is encouraging. 

But the key point of interest for me is a strategic pivot towards an AI-driven SaaS model, which is already bringing in fresh revenue. FY2026 guidance outlines margin expansion and further investment in innovation and efficiency. It remains a risky play but if it works, the returns could be spectacular.

NewRiver REIT

NewRiver REIT‘s (LSE:NRR) a small but up-and-coming real estate investment trust (REIT) that focuses on retail and leisure properties. It has the lowest yield on the list at only 9% but benefits from regulations that ensure 90% of profits are returned to shareholders.

This is worth considering for retirement investors aiming for passive income, as it can be highly reliable. But still, the company must have sustainable earnings or it risks a dividend cut.

In NewRiver’s case, there are still risks but they look manageable. The UK property market faces headwinds from higher interest rates, increased taxation on landlords and high-value properties.

Revenue’s up 84% year-on-year and earnings 54% ahead — impressive numbers, especially considering the challenging economic conditions in 2025. Plus, the valuation looks decent, with a forward P/E of 9.2 and it has a 15-year track record of paying dividends.

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In fact, according to the league tables, of those with a market-cap of at least £50m, the two highest are suggesting a return of at least 16.6%. But how sustainable are they? Is it a case of being too good to be true? Let’s find out.

1. Going green

At 17.8%, the highest-yielding of our duo is Impax Asset Management Group (LSE:IPX). But it’s a perfect demonstration of why such astonishing yields need to be investigated further. That’s because the figure quoted is based on amounts paid over the past 12 months, a period that’s seen its share price fall by 30%.

The group’s been experiencing a long-term decline in assets under management (AUM). During the year ended 30 September 2025 (FY25), AUM fell by £11.1bn. And compared to FY24, revenue was 16.6% lower and adjusted operating profit fell 36.2%.

As a result, the company’s cut its dividend. Having kept it unchanged at 27.6p for FY22-FY24, it’s decided to return 12p to shareholders for FY25. This means the quoted yield is misleading. In fact, the forward yield is currently (6 February) 7.9%. Still impressive, but a long way short of the headline number.

Despite its troubles, the company remains debt free. And its directors are “highly confident” about the group’s long-term prospects. Its boss recently said: “The economic case for the transition to a more sustainable economy continues to build, as consumers increasingly prefer more efficient, less polluting goods and services“.

But even with a potential return of 7.9%, the stock’s too risky for me. Until I see a sustained inflow of AUM, I’m going to look elsewhere.

2. Mind your language

Next, with a trailing 12-month yield of 16.6%, we have RWS (LSE:RWS). Again, its share price has tanked over the past 12 months. Since February 2025, it’s fallen 45%.

Although the content and language solutions group uses artificial intelligence (AI) as part of its product offer, there are concerns that the technology could disrupt its business model. The group’s boss acknowledges this: “The pace of change in our industry, fuelled by the global content explosion and rapid technology evolution, demands that RWS adapts quickly to succeed”.

During the 12 months to 30 September 2025, pre-tax profit fell 43% year-on-year. As a consequence, it cut its full-year dividend by 43%. It’s a pity because since the pandemic, it’s made good progress in increasing its payout. The forward yield is a more modest — but still impressive — 9.4%.

However, once more, there’s too much uncertainty surrounding the group for me to want to invest.

The final word

The lesson from all this is that high-yielding shares should be treated with extreme caution. It’s important to look behind the figures quoted.

But that doesn’t mean we should throw the baby out with the bath water. There are plenty of good dividend payers on AIM. Okay, their yields are more modest than those quoted here but the payouts are more likely to be sustained. And a number of these smaller stocks have an excellent track record of steadily increasing their dividends.

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Obviously, that’s a painful loss for current shareholders. But has this volatility secretly created an epic buying opportunity for dividend-seeking investors? After all, Victrex now has a juicy-looking 8.9% yield. And RWS is offering an even more impressive 16% payout!

Is a 16% yield too good to be true?

Let’s start with RWS and its enormous double-digit dividend. Typically, when yields get this big, it’s a major red flag of an incoming payout cut. And yet, following its latest half-year results, that hasn’t happened.

So is RWS a rare exception? The translation, localisation, and language enterprise has run into a few challenges this year that have put significant pressure on both its revenue and earnings. However, one of the most concerning headwinds is potential AI disruption.

While RWS is investing in the development of its own portfolio of AI tools, the growing list of alternative options is significantly limiting the group’s pricing power.

With the finance and legal sectors adopting these cheaper alternatives, sales have suffered. And the impact has only been made worse by project delays within the life sciences sector. The result of all this was a 60% collapse in underlying earnings.

However, even with these challenges, the company remains highly cash generative. And with a relatively small net debt position, its balance sheet offers some welcome wiggle room. Furthermore, with management switching strategies and doing a bit of restructuring, performance in the second half of 2025 improved significantly.

As such, guidance for full-year underlying pre-tax profits was reiterated at £60m. That’s still notably behind the £106.7m achieved in 2024. But it’s a drastic improvement versus the £18m achieved in the first half of 2025. And if this recovery momentum continues, dividends could ultimately be protected from a cut.

A rebound already underway?

Victrex is in a similar situation. Lower spending from the industrial and healthcare sectors saw demand for its PEEK polymer materials suffer.

However recently, market conditions have notably improved. Polymer volumes are now back on the rise and have reached 4,164 tonnes in its 2025 fiscal year (ended in September). That’s a 12% increase compared to a year ago, driven primarily by value-added resellers and industrials as global manufacturing steady recovers.

Despite higher volumes, the product mix has resulted in a lower average selling price, causing revenue to remain flat and underlying earnings to fall by 15%. And right now, the company isn’t generating enough profits to cover its dividend.

But with a well-funded balance sheet, Victrex similarly appears to have sufficient financial resources to maintain shareholder payouts in the short term while profits begin to recover.

The bottom line

Out of these two income shares, Victrex currently looks the most promising, in my eyes, and is worth closer inspection. It operates in a niche with significantly limited competition by comparison to RWS. And while RWS is taking action to prevent AI-disruption, it’s still too early to tell whether the firm can adapt to the shifting landscape.

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In fact, there are some surprisingly high yields on the FTSE All-Share and AIM index. But are they worth the risk? Let’s take a look.

Taylor Wimpey

One of the UK’s largest property developers, Taylor Wimpey (LSE: TW.) has seen its dividend yield climb above 9% this year. That follows a 20% share price decline, bringing the shares down to 99p each.

But with earnings expected to improve, its forward price-to-earnings (P/E) ratio of 12.15 suggests it could now be undervalued.

That makes it a stock worth considering for both income and value investors.

However, a weak UK housing market has seen its earnings decline by 65.8% year on year. With an eye-wateringly high payout ratio and weak cash coverage, a dividend cut is a strong possibility.

If the UK housing market recovers in 2026, it could be a good opportunity at this price. But that’s a big if. 

RWS Holdings

RWS Holdings (LSE: RWS) is a translation technology company with a 70p share price and an exceptional dividend yield of 17.5%. That immediately raises serious questions about its sustainability. With a payout ratio of 182%, earnings coverage is weak.

But according to reports, the company has sufficient cash to cover dividend payments by 1.75 times. That’s still slightly below the recommended 2 times, but it’s not bad. Still, if profits don’t improve soon, a dividend cut is certainly on the cards.

It recently refinanced its credit facility and launched a new organisational structure, which is a good start.

But the stock is already down 62% this year, so without strong evidence of a recovery, I’d be wary of investing too much here. Still, for those with a high appetite for risk, it could present an attractive income opportunity worthy of further research.

Impax Asset Management

At 188p per share, Impax Asset Management (LSE: IPX) isn’t the cheapest on the market. But with a forward P/E ratio of 8.17, it’s cheap compared to projected earnings. As the name suggests, the company is an asset management company operating across Europe, America and Australia.

Before 2023, its revenue and earnings were steadily increasing, but lately, they’ve suffered mild losses. Encouragingly, it has an attractive 14.7% yield and relatively decent dividend coverage. Its payout ratio is only just above 100% and cash coverage is 1.2 times. That’s not great, but sufficient to avoid the threat of an immediate cut.

So with a share price that’s down almost 70% in the past five years, what’s the chance of a recovery?

With results coming out next Wednesday (26 November), we’ll get a better idea of how well its turnaround strategy is going. Until then, I’d hold off on making any decisions as an earnings dip could lead to a dividend cut.

Final thoughts

High yields always present an attractive risk vs reward opportunity. But investors shouldn’t be misled by the high potential returns. Rarely do stocks maintain 10%+ yields for long.

A crashing price and a sudden dividend cut could wipe out recent gains. While the above shares may be worth considering for yield hunters, long-term sustainability is the real goal when targeting dividend income.

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To illustrate, let’s consider a scenario. My two stocks below provide an average yield of 8%. Let’s say an investor starts with £10,000 and commits an extra £200 a month for 20 years. With dividends reinvested, that portfolio could swell to around £165,000. By then, it would generate more than £12,000 annually – or roughly £1,000 a month in passive income.

Of course, no investor should pin hopes on just one or two stocks. A balanced portfolio of at least 10 dividend shares is far wiser. But as an example of what’s out there, I’ve picked two very different companies to weigh up.

RWS Holdings

RWS Holdings (LSE: RWS) specialises in content translation and localisation, and has recently adopted artificial intelligence (AI) technology through its acquisition of Papercup’s intellectual property. It’s been a highly dependable dividend payer, growing its distribution every year for over two decades. Right now, it sports a chunky 14% yield, which is bound to catch the eye of income hunters.

On the valuation front, the shares trade on a forward price-to-earnings (P/E) ratio of just 7, making them look cheap compared to the broader market. The business also has a relatively healthy balance sheet, with minimal debt of £120m and free cash flow of £69.7m to support its commitments.

However, there are risks investors should consider. The payout ratio currently sits at a hefty 182%, which raises questions over sustainability. Even with strong cash flow, paying out more than is earned isn’t something a company can maintain indefinitely. 

Add to that the fact its share price has dropped around 80% since Covid-era highs, and it’s clear confidence has been shaken. If its AI adoption doesn’t translate into improved sales and margins, a dividend cut’s a real possibility.

Still, for those interested in high-yield dividend stocks, I think RWS is an intriguing option worth checking out.

Bunzl

At the other end of the spectrum is Bunzl (LSE: BNZL), a FTSE 100 distribution and outsourcing giant to look at. Its yield of 3% may not sound inspiring compared to RWS, but the reliability is hard to ignore. The company sells essential products that remain in demand even during economic downturns, making it a defensive pick to think about.

Bunzl has an impressive track record too, with more than two decades of uninterrupted dividend growth and a payout ratio of around 50%. That’s far more sustainable than many high-yield alternatives. Its share price suffered earlier this year after weaker-than-expected results, but long-term performance tells a different story — the shares quadrupled in value between 2010 and 2020.

The risks here are more measured. Its North American division has underperformed, and rising inflation could pressure margins further. Still, I think Bunzl offers the kind of consistency investors should think about including in an income portfolio.

Dividend investing isn’t about chasing the highest yield, it’s about finding a mix of reliable payers and carefully weighing up riskier opportunities. 

For me, RWS and Bunzl highlight how contrasting dividend shares can complement one another – and show the different paths an investor might take on the road to £1,000 a month passive income.

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That can mean the market expects trouble. And looking back over the past five years, we see RWS down a painful 85%. Is this a recovery opportunity, and can the dividend hold up? Let’s take a look.

AI competitive

RWS is in the language translation and support business. That should be sewn up by computers and artificial intelligence (AI), we might think. But there’s a specialisation here in legal, financial, and drug trial documentation. You can’t just take whatever your AI chatbot says and hope for the best — not if you don’t want a whole load of legal risk.

RWS is getting in on AI developments too. And I see a solid opportunity for a combination of its experience and expertise alongside AI automated tools.

But short-term demand has been weak, and RWS posted a 60% drop in first-half adjusted earnings per share in June. The company kept is interim dividend at 2.45p suggesting confidence. And CEO Ben Faes sounded convinced that a technology-led approach will pay off.

My big problem is forecasts show earnings failing to cover the dividend in the next couple of years. So there has to be a chance of a cut. I like the long-term dividend prospects for RWS, but I think investors should consider holding back to see how the next 12-24 months go.

Fund management

The forecast dividend yield at my second pick, AIM-listed Premier Miton Group (LSE: PMI), stands bang on 10%. This also looks like something of a recovery candidate after a several years of profit weakness — and a five-year share price fall of 38%, to 60.3p.

Premier Miton is in the investment management business, which can be very cyclical. And we already see forecasts indicating strong earnings per share (EPS) growth after a low point this year. They see a 3.5-fold EPS rise between 2024 and 2027.

But the same problem raises its head. Those forecast earnings again won’t cover the predicted dividend — expected to remain constant at 6p per share. At least in this case, the company has net cash on its books — £31.2m at 31 March, and forecast to continue about the same.

Keep up the payments?

So I see a good chance the company can afford to keep its dividend going while it awaits the hoped-for uptick in the investment business. That is, unless the board changes its cash-allocation priorities.

And there’s one other risk. Premier Miton is only small, with a market-cap of just £95m. So I see it at a disadvantage to the bigger players in the business. They have the clout to see it through tough times with less pain. And I reckon they’re more likely to retain investor confidence, and win them back, than the small fish in the pond.

Still, I see a strong chance 2025 could mark the turning point. And I rate this one to consider for a longer-term recovery. Eyes peeled for the final dividend.

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Investing always comes with risks, but the firm maintained its interim dividend in its June update. So will investors who don’t buy the stock regret a huge missed opportunity?

What does RWS do?

RWS specialises in language translation. On the face of it, that’s the kind of business that might immediately come under threat from advances in artificial intelligence (AI). The firm however, has been alive to the rise of AI. And a core part of its business involves specialist translations for legal, financial, and drug trial documents.

Mistakes in these areas could result in huge liabilities for a company. So there’s arguably a big risk for a firm in using an automated service over one of RWS’s experts with specialist knowledge.

The firm’s also been working on its own AI product lineup. This includes a translation platform, a data set to train large language models, and offering AI translations with human oversight.

Why’s the stock down?

The firm’s had two major issues. The first is weak demand in its Regulated Industries division – especially in Life Sciences – and the second is pricing pressures in its Language Services unit.

In Regulated Industries, pressure on the pharmaceutical sector in the US is part of the reason for weak Life Sciences sales. But I do expect this to normalise over time.

The issue in Language Services is more concerning, in my view. Over the long term, the concern with RWS is that improvements in the likes of ChatGPT will cut into its pricing power. This might lead to customers going elsewhere. But even if it doesn’t, I think it’s likely to be a significant challenge for the company’s future growth and ability to offset rising costs over time.

What about the dividend?

With a 14% yield however, investors might take the view that RWS doesn’t really need to grow much to generate a good return over the long term. And I don’t disagree with that at all.

In its June update, the firm maintained its interim dividend of 2.45p a share. And management stated that this was a demonstration of their confidence in the business and its future prospects.

Investors should note however, that the recent difficulties RWS has been facing mean this isn’t fully covered by cash flows. And if this doesn’t change, cutting the dividend might be non-optional.

Over the last 10 years, the company’s returned significantly less than 50% of its free cash flows to investors. So even if things improve slightly, I think there’s still reason to be concerned. 

Dividend stocks

RWS isn’t an ordinary translation firm – which would be extremely unattractive in an age of AI. Its focus on highly specialised industries and AI integration sets it apart from this type of business

Despite this, the competitive threat that comes from improvements in the likes of ChatGPT has to be taken seriously. I think there’s a real threat to the firm’s pricing power on the horizon.

A 14% dividend yield might go some way to offsetting this risk. But with this no longer covered by the company’s cash flows, I think investors can afford to consider letting this one go.

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Perhaps a perfect example of this is RWS Holdings (LSE:RWS). The language and localisation enterprise has encountered a few bumps of late, slashing its market-cap in half over the last 12 months. But despite these challenges, management has continued to maintain dividends, offering an impressive 14.1% yield.

The question investors now have to ask is, can the business bounce back and continue generating long-term passive income?

What’s going on?

The trouble at RWS really kicked off in May when the company issued a concerning profit warning. Due to a variety of factors, including currency headwinds, technology investments, and unexpected non-cash charges, underlying earnings guidance was massively cut. And following the group’s interim results in June, management wasn’t kidding.

The group’s underlying pre-tax profits across the first half of 2025 collapsed by 61%, from £45.6m to £18m. And while performance is expected to improve in the second half, full-year guidance places earnings between £60m and £70m – a significant reduction compared to the £107m achieved in 2024.

Investor sentiment surrounding this business has slowly been souring for a while. Given the group specialises in translating corporate documents like patents and trademarks, there’s a valid concern of obsolescence now that artificial intelligence (AI) is taking off. And with investors already fretting over fears of disruption, this profit warning resulted in a massive 45% single-day crash earlier this year.

What now?

Since the sharp drop in share price a few months ago, RWS shares have rebounded slightly. And under the new leadership of an ex-Google executive, the company has unveiled a fresh strategy to get organic growth and margins back on track.

Rather than letting AI disrupt its business, RWS is attempting to embrace it. It’s putting its own AI translation tools at the heart of its operations via a simplified software-as-a-service subscription revenue model. In the words of management, the move is “about strategically repositioning RWS to stay relevant to clients’ future needs”.

It’s still early days, but modest organic growth has already started to materialise. And with existing AI tools already on offer, the company has a solid foundation to start migrating existing customers.

If this strategy is successful, then not only could the RWS share price rebound, but the subsequently predictable cash flows from subscriptions could further support shareholder payouts. In other words, today’s impressive dividend yield could be here to stay.

Admittedly, that’s a big ‘if’. Investors currently have RWS on a short leash, and further disruption or a lack of operational progress could mean the stock might have further to fall. Therefore, despite the tempting yield, it might be prudent to consider staying on the sidelines to see how the company handles its strategic transition, at least for now.

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That could be a lucrative addition to my passive income portfolio, providing a significant boost to my average yield. But the share price has been declining for several years, prompting me to ask: is such a high yield sustainable?

I decided to find out.

What does RWS actually do?

RWS provides translation, localisation, intellectual property support, and AI-enabled content services for businesses worldwide. It’s been doing so for decades and is a trusted partner to many global names.

In its latest results, the firm reported £712m in revenue and £25m in net profit — modest figures, but a stable platform for a business of its size.

And impressively, it’s been increasing its dividend every year for over two decades. That consistency is rare, especially on the AIM market. It shows clear management commitment to rewarding shareholders, even during turbulent periods.

But here’s the catch…

Is the 15% dividend yield sustainable?

At first glance, the yield is mouth-watering. But alarm bells start to ring when we look at the numbers beneath.

The payout ratio stands at 182% — well above the level many would consider safe. In other words, the company is paying out almost twice as much as it earns in dividends!

Cash coverage is a little better. Operating cash flow is £71m, while the dividend payments are covered around 1.75 times. Still, that leaves little margin for error.

That said, RWS does have a strong balance sheet, with £1.2bn in assets and just £50m in debt. It’s not burdened by financial obligations, which gives it more breathing room than the earnings coverage implies.

Good value… with risk

On the valuation side, things look appealing. The forward price-to-earnings (P/E) ratio is just 6.8, and the price-to-book (P/B) ratio is 0.36 — both unusually low for a business with a long dividend history.

These figures suggest the market is pricing in considerable risk. And that may be justified.

Like many small-caps, RWS suffers from volatility and low liquidity, which can amplify price swings. More worryingly, the rise of generative AI poses a real threat to its core business. Much of the translation industry is being disrupted by automated tools, and it would be nearly impossible for RWS to compete with massive firms like Google.

To its credit, it’s fighting for a place in the industry. It recently acquired a company called Papercup, which uses AI to dub video content in multiple languages. If this tech proves scalable, it could open a new growth avenue in the booming AI localisation space.

All things considered

For courageous investors chasing income, I think RWS is one of the few 10%+ yielders that’s worth considering. Yes, it comes with some risk and could see further price declines if its AI ventures don’t pan out.

But with a solid dividend track record and a strategic expansion plan, this could be one of those small-cap shares that really pays off — if approached with caution.

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We’re looking at a 53% slump in the past 12 months, and it’s down 85 over five years. There are more bad signs that I usually expect to come with a stock like this. And, well, I’m not seeing them here. But I’ll come back to them.

What went wrong?

First-half results released in June showed adjusted profit before tax down 61% from the same period a year ago, to £18m, with a reported loss before tax of £12.7m. But we’d already been warned of a number of non-trade one-offs, so it wasn’t a surprise. A chunk of it is down to the cost of investment in technological change.

New CEO Ben Faes, who took over in January, spoke of how “changes in our mix of work and to new delivery models for certain clients have impacted profitability“.

The company provides “language, content and intellectual property services“. That includes translation and language support services. Oh, and artifical intelligence is going to take over that and make companies like RWS redundant, right?

Well, with RWS covering legal services, intellectual property, defence, aerospace… we’re talking about demand for critical accuracy way beyond anything ChatGPT and the like can offer.

Both kinds of I

RWS talks about its “combination of AI-enabled technology and human experience“. Rather than fearing it, the CEO told us: “Our AI-focused solutions continue to gain meaningful traction.” He added that the company’s strategy should enable it to “deliver accelerated and profitable growth and acquire additional capabilities through focused M&A“.

Instead of AI replacing humans, it needs humans to develop it, understand it, direct it, focus it, correct it… the kind of humans that work at RWS, with a bit of luck.

Saying that, a large-scale change in an industry’s underlying techology brings great uncertainty and elevates risk. Of that there is no doubt, and anyone considering investing in RWS needs to keep it in mind.

What red flags?

I need to get back to the red flags I look for whenever I see a huge dividend yield like this. I’m talking about weak confidence in earnings and dividends, and unimpressive share price forecasts. We don’t have those here.

Analysts expect a return to positive earnings in 2026, followed by strong growth in 2027. They don’t see any break in the dividends, though they won’t be covered by forecast earnings by 2027. But even a 50% cut would still leave a high yield, and I see a safety margin there.

As for share price targets, the consensus is 236p. The shares trade at only 88p at the time of writing. Even the low end of the range suggests 180p, more than twice the current price.

I expect the AI landscape will change dramatically in the next few years. But investors looking for tomorrow’s winners might do well to consider RWS Holdings.

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