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AFL vs NSC: Dividend Comparison 2026

AFL yields 2.17% · NSC yields 1.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AFL wins by $92.02M 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 →
NSC
NSC
● Live price
1.91%
Share price
$282.50
Annual div
$5.40
5Y div CAGR
43.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$66.7K
Annual income
$17,746.55
Full NSC calculator →

Portfolio growth — AFL vs NSC

📍 AFL 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 PeriodAFLNSC
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 + NSC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
AFL pays
NSC pays
Both pay
Neither
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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
NSC
Annual income on $10K today (after 15% tax)
$162.48/yr
After 10yr DRIP, annual income (after tax)
$15,084.57/yr
At 15% tax rate, AFL beats the other by $71,898,282.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

AFL: 50%NSC: 50%
100% NSC50/50100% AFL
Portfolio after 10yr
$46.08M
Annual income
$42,310,853.69/yr
Blended yield
91.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NSC 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
NSC
Analyst Ratings
21
Buy
24
Hold
3
Sell
Consensus: Hold
Price Target
$315.33
+11.6% upside vs current
Range: $288.00 — $342.00
Altman Z
2.3
Piotroski
7/9
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
NSC 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 →
MetricAFLNSC
Forward yield2.17%1.91%
Annual dividend / share$2.35$5.40
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%43.6%
Portfolio after 10y$92.09M$66.7K
Annual income after 10y$84,603,960.82$17,746.55
Total dividends collected$91.49M$42.2K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusHoldHold
Analyst price target$113.83$315.33

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

YearAFL PortfolioAFL Income/yrNSC PortfolioNSC Income/yrGap
1← crossover$11,135$434.50$10,974$274.49+$161.00AFL
2$12,818$904.29$12,147$404.28+$671.00AFL
3$15,661$1,945.86$13,598$600.54+$2.1KAFL
4$21,201$4,443.84$15,452$902.22+$5.7KAFL
5$33,930$11,244.55$17,909$1,375.92+$16.0KAFL
6$69,941$33,636.25$21,303$2,140.25+$48.6KAFL
7$204,437$129,599.44$26,211$3,416.66+$178.2KAFL
8$926,813$708,065.90$33,688$5,641.72+$893.1KAFL
9$6,991,715$6,000,024.58$45,777$9,731.21+$6.95MAFL
10$92,085,096$84,603,960.82$66,728$17,746.55+$92.02MAFL

AFL vs NSC: 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 →

NSCStock

Norfolk Southern Corporation, together with its subsidiaries, engages in the rail transportation of raw materials, intermediate products, and finished goods in the United States. The company transports agriculture, forest, and consumer products comprising soybeans, wheat, corn, fertilizers, livestock and poultry feed, food products, food oils, flour, sweeteners, ethanol, lumber and wood products, pulp board and paper products, wood fibers, wood pulp, scrap paper, beverages, canned goods, and consumer products; chemicals consist of sulfur and related chemicals, petroleum products, chlorine and bleaching compounds, plastics, rubber, industrial chemicals, chemical wastes, and sand; metals and construction materials, such as steel, aluminum products, machinery, scrap metals, cement, aggregates, minerals, clay, transportation equipment, and military-related products; and automotive, including finished motor vehicles and automotive parts, as well as coal. It also transports overseas freight through various Atlantic and Gulf Coast ports; and provides commuter rail passenger transportation services and operates an intermodal network. As of December 31, 2021, the company operated approximately 19,300 route miles in 22 states and the District of Columbia. Norfolk Southern Corporation was incorporated in 1980 and is based in Atlanta, Georgia.

Full NSC 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.