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CF vs IP: Dividend Comparison 2026

CF yields 1.45% · IP yields 5.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CF wins by $254.8K in total portfolio value· pulled ahead in Year 3
10 years
CF
CF
● Live price
1.45%
Share price
$137.55
Annual div
$2.00
5Y div CAGR
67.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$279.4K
Annual income
$157,141.85
Full CF calculator →
IP
IP
● Live price
5.29%
Share price
$35.00
Annual div
$1.85
5Y div CAGR
-10%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.7K
Annual income
$229.13
Full IP calculator →

Portfolio growth — CF vs IP

📍 CF pulled ahead of the other in Year 3

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 PeriodCFIP
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, CF + IP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CF
Annual income on $10K today (after 15% tax)
$123.59/yr
After 10yr DRIP, annual income (after tax)
$133,570.57/yr
IP
Annual income on $10K today (after 15% tax)
$449.29/yr
After 10yr DRIP, annual income (after tax)
$194.76/yr
At 15% tax rate, CF beats the other by $133,375.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CF + IP for your $10,000?

CF: 50%IP: 50%
100% IP50/50100% CF
Portfolio after 10yr
$152.1K
Annual income
$78,685.49/yr
Blended yield
51.75%
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Analyst Conviction Gap

Where Wall Street is most bullish on CF right now

CF
Analyst Ratings
21
Buy
14
Hold
6
Sell
Consensus: Buy
Price Target
$91.71
-33.3% upside vs current
Range: $72.00 — $103.00
Altman Z
3.2
Piotroski
8/9
IP
Analyst Ratings
12
Buy
9
Hold
8
Sell
Consensus: Buy
Price Target
$47.97
+37.1% upside vs current
Range: $40.00 — $57.80
Altman Z
1.1
Piotroski
3/9
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)

CF buys
0
IP buys
0
No recent congressional trades found for CF or IP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFIP
Forward yield1.45%5.29%
Annual dividend / share$2.00$1.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR67.5%-10%
Portfolio after 10y$279.4K$24.7K
Annual income after 10y$157,141.85$229.13
Total dividends collected$247.3K$3.5K
Payment frequencyquarterlyquarterly
SectorMaterialsMaterials
Analyst consensusBuyBuy
Analyst price target$91.71$47.97

Year-by-year: CF vs IP ($10,000, DRIP)

YearCF PortfolioCF Income/yrIP PortfolioIP Income/yrGap
1$10,944$243.55$11,176$475.71$232.00IP
2$12,127$417.23$12,405$447.18$278.00IP
3← crossover$13,699$723.76$13,691$417.51+$8.00CF
4$15,938$1,279.91$15,037$387.58+$901.00CF
5$19,385$2,331.05$16,448$358.05+$2.9KCF
6$25,180$4,438.20$17,928$329.42+$7.3KCF
7$35,967$9,024.64$19,485$302.02+$16.5KCF
8$58,665$20,179.55$21,126$276.10+$37.5KCF
9$114,295$51,524.02$22,856$251.78+$91.4KCF
10$279,438$157,141.85$24,685$229.13+$254.8KCF

CF vs IP: Complete Analysis 2026

CFMaterials

CF Industries Holdings, Inc. manufactures and sells hydrogen and nitrogen products for energy, fertilizer, emissions abatement, and other industrial activities worldwide. Its principal products include anhydrous ammonia, granular urea, urea ammonium nitrate, and ammonium nitrate products. The company also offers diesel exhaust fluid, urea liquor, nitric acid, and aqua ammonia products; and compound fertilizer products with nitrogen, phosphorus, and potassium. It primarily serves cooperatives, independent fertilizer distributors, traders, wholesalers, and industrial users. The company was founded in 1946 and is headquartered in Deerfield, Illinois.

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IPMaterials

International Paper Company operates as a packaging company primarily in United States, the Middle East, Europe, Africa, Pacific Rim, Asia, and rest of the Americas. It operates through two segments: Industrial Packaging and Global Cellulose Fibers. The Industrial Packaging segment manufactures containerboards, including linerboard, medium, whitetop, recycled linerboard, recycled medium, and saturating kraft. The Global Cellulose Fibers segment provides fluff, market, and specialty pulps that are used in absorbent hygiene products, such as baby diapers, feminine care, adult incontinence, and other non-woven products; tissue and paper products; and non-absorbent end applications, including textiles, filtration, construction material, paints and coatings, reinforced plastics, and other applications. It sells its products directly to end users and converters, as well as through agents, resellers, and paper distributors. The company was founded in 1898 and is headquartered in Memphis, Tennessee.

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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.