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AFL vs MOS: Dividend Comparison 2026

AFL yields 2.17% · MOS yields 3.52%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $837.96M in total portfolio value
10 years
AFL
AFL
● Live price
2.17%
Share price
$108.17
Annual div
$2.35
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$92.09M
Annual income
$84,603,960.82
Full AFL calculator →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — AFL vs MOS

📍 MOS pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodAFLMOS
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, AFL + MOS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
AFL pays
MOS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

AFL
Annual income on $10K today (after 15% tax)
$184.66/yr
After 10yr DRIP, annual income (after tax)
$71,913,366.70/yr
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $677,745,866.10/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of AFL + MOS for your $10,000?

AFL: 50%MOS: 50%
100% MOS50/50100% AFL
Portfolio after 10yr
$511.07M
Annual income
$483,277,999.70/yr
Blended yield
94.56%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MOS right now

AFL
Analyst Ratings
9
Buy
18
Hold
4
Sell
Consensus: Hold
Price Target
$113.83
+5.2% upside vs current
Range: $101.00 — $125.00
Altman Z
1.4
Piotroski
5/9
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

AFL buys
7
MOS buys
0
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$AFL▲ Buy$1,001 - $15,0002025-07-25
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Carol Devine Miller🏢 House$AFL▲ Buy$1,001 - $15,0002025-03-10
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-01-17
Ro Khanna🏢 House$AFL▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$AFL▼ Sell$15,001 - $50,0002023-10-31
Ro Khanna🏢 House$AFL▲ Buy$15,001 - $50,0002023-10-10
Ro Khanna🏢 House$AFL▼ Sell$15,001 - $50,0002023-08-03
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002023-08-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAFLMOS
Forward yield2.17%3.52%
Annual dividend / share$2.35$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%100%
Portfolio after 10y$92.09M$930.05M
Annual income after 10y$84,603,960.82$881,952,038.58
Total dividends collected$91.49M$926.56M
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusHoldHold
Analyst price target$113.83$33.80

Year-by-year: AFL vs MOS ($10,000, DRIP)

YearAFL PortfolioAFL Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,135$434.50$11,405$704.56$270.00MOS
2$12,818$904.29$13,705$1,501.91$887.00MOS
3$15,661$1,945.86$18,038$3,373.54$2.4KMOS
4$21,201$4,443.84$27,600$8,299.26$6.4KMOS
5$33,930$11,244.55$53,268$23,735.99$19.3KMOS
6$69,941$33,636.25$142,624$85,627.61$72.7KMOS
7$204,437$129,599.44$581,146$428,538.38$376.7KMOS
8$926,813$708,065.90$3,885,667$3,263,840.61$2.96MMOS
9$6,991,715$6,000,024.58$44,947,834$40,790,171.07$37.96MMOS
10$92,085,096$84,603,960.82$930,046,221$881,952,038.58$837.96MMOS

AFL vs MOS: Complete Analysis 2026

AFLFinancials

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

Full AFL Calculator →

MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.