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Fractional shares

Ownership of less than one whole share, created by brokers splitting shares internally or by corporate actions such as dividend reinvestment and splits.

Brokers offer fractions by buying whole shares and allocating slices across customers on their own books. The fraction exists only at that broker: it cannot be transferred to another firm, cannot be moved to direct-registration, and is normally liquidated for cash when you transfer an account.

Fractions also arise naturally from a drip, from a stock-split with an awkward ratio, and from a spin-off. In corporate actions fractions are usually cashed out rather than issued, which creates a small taxable event.

Example: $500 into a $327.40 stock buys 1.527 shares. On transferring the account, the 0.527 fraction is sold at whatever the price is that day and $172.60-ish in cash moves instead.

Related: drip, stock-split, round-lot, direct-registration, cost-basis

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