HomeCompareAFL vs UNP

AFL vs UNP: Dividend Comparison 2026

AFL yields 2.17% · UNP yields 2.29%● Live data

vsPost on X →
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 →
UNP
UNP
● Live price
2.29%
Share price
$239.23
Annual div
$5.48
5Y div CAGR
40.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$69.9K
Annual income
$18,474.89
Full UNP calculator →

Portfolio growth — AFL vs UNP

📍 AFL pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

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

Crisis PeriodAFLUNP
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%.
📅

Dividend Calendar Overlap

Combined, AFL + UNP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
AFL pays
UNP 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
UNP
Annual income on $10K today (after 15% tax)
$194.71/yr
After 10yr DRIP, annual income (after tax)
$15,703.66/yr
At 15% tax rate, AFL beats the other by $71,897,663.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

AFL: 50%UNP: 50%
100% UNP50/50100% AFL
Portfolio after 10yr
$46.08M
Annual income
$42,311,217.86/yr
Blended yield
91.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP 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
UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
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
UNP buys
7
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-11-13
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$50,001 - $100,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Ro Khanna🏢 House$UNP▼ Sell$1,001 - $15,0002025-09-05
Ro Khanna🏢 House$UNP▲ Buy$15,001 - $50,0002025-08-26
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAFLUNP
Forward yield2.17%2.29%
Annual dividend / share$2.35$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.9%
Portfolio after 10y$92.09M$69.9K
Annual income after 10y$84,603,960.82$18,474.89
Total dividends collected$91.49M$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusHoldBuy
Analyst price target$113.83$276.57

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

YearAFL PortfolioAFL Income/yrUNP PortfolioUNP Income/yrGap
1← crossover$11,135$434.50$11,023$322.76+$112.00AFL
2$12,818$904.29$12,263$468.48+$555.00AFL
3$15,661$1,945.86$13,808$686.31+$1.9KAFL
4$21,201$4,443.84$15,792$1,017.59+$5.4KAFL
5$33,930$11,244.55$18,430$1,532.54+$15.5KAFL
6$69,941$33,636.25$22,075$2,355.20+$47.9KAFL
7$204,437$129,599.44$27,335$3,714.82+$177.1KAFL
8$926,813$708,065.90$35,306$6,057.38+$891.5KAFL
9$6,991,715$6,000,024.58$48,080$10,302.43+$6.94MAFL
10$92,085,096$84,603,960.82$69,920$18,474.89+$92.02MAFL

AFL vs UNP: 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 →

UNPStock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

Full UNP Calculator →
📬

Get this AFL vs UNP comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

AFL vs SCHDAFL vs JEPIAFL vs OAFL vs KOAFL vs MAIN

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