HomeCompareCFG vs UPS

CFG vs UPS: Dividend Comparison 2026

CFG yields 3.06% · UPS yields 6.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UPS wins by $21.57M in total portfolio value
10 years
CFG
CFG
● Live price
3.06%
Share price
$57.45
Annual div
$1.76
5Y div CAGR
14.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.4K
Annual income
$1,688.32
Full CFG calculator →
UPS
UPS
● Live price
6.91%
Share price
$94.96
Annual div
$6.56
5Y div CAGR
63.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.60M
Annual income
$17,853,988.84
Full UPS calculator →

Portfolio growth — CFG vs UPS

📍 UPS 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 PeriodCFGUPS
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, CFG + UPS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CFG
Annual income on $10K today (after 15% tax)
$260.40/yr
After 10yr DRIP, annual income (after tax)
$1,435.07/yr
UPS
Annual income on $10K today (after 15% tax)
$587.23/yr
After 10yr DRIP, annual income (after tax)
$15,175,890.51/yr
At 15% tax rate, UPS beats the other by $15,174,455.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CFG + UPS for your $10,000?

CFG: 50%UPS: 50%
100% UPS50/50100% CFG
Portfolio after 10yr
$10.82M
Annual income
$8,927,838.58/yr
Blended yield
82.55%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CFG right now

CFG
Analyst Ratings
31
Buy
6
Hold
1
Sell
Consensus: Buy
Price Target
$70.08
+22.0% upside vs current
Range: $60.00 — $80.00
Altman Z
0.3
Piotroski
7/9
UPS
Analyst Ratings
2
Strong
18
Buy
21
Hold
4
Sell
Consensus: Hold
Price Target
$110.60
+16.5% upside vs current
Range: $85.00 — $128.00
Altman Z
2.9
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)

CFG buys
0
UPS buys
0
No recent congressional trades found for CFG or UPS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGUPS
Forward yield3.06%6.91%
Annual dividend / share$1.76$6.56
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%63.4%
Portfolio after 10y$30.4K$21.60M
Annual income after 10y$1,688.32$17,853,988.84
Total dividends collected$8.6K$21.26M
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusBuyHold
Analyst price target$70.08$110.60

Year-by-year: CFG vs UPS ($10,000, DRIP)

YearCFG PortfolioCFG Income/yrUPS PortfolioUPS Income/yrGap
1← crossover$11,050$349.86$11,829$1,128.85$779.00UPS
2$12,236$412.60$14,696$2,039.15$2.5KUPS
3$13,580$487.63$19,594$3,868.78$6.0KUPS
4$15,108$577.61$28,842$7,876.90$13.7KUPS
5$16,852$685.86$48,568$17,706.64$31.7KUPS
6$18,848$816.48$97,500$45,532.94$78.7KUPS
7$21,142$974.64$243,915$139,589.70$222.8KUPS
8$23,789$1,166.83$794,268$533,278.88$770.5KUPS
9$26,855$1,401.25$3,501,731$2,651,864.00$3.47MUPS
10$30,423$1,688.32$21,600,841$17,853,988.84$21.57MUPS

CFG vs UPS: Complete Analysis 2026

CFGFinancials

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

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UPSIndustrials

United Parcel Service, Inc. provides letter and package delivery, transportation, logistics, and related services. It operates through two segments, U.S. Domestic Package and International Package. The U.S. Domestic Package segment offers time-definite delivery of letters, documents, small packages, and palletized freight through air and ground services in the United States. The International Package segment provides guaranteed day and time-definite international shipping services in Europe, the Asia Pacific, Canada and Latin America, the Indian sub-continent, the Middle East, and Africa. This segment offers guaranteed time-definite express options. The company also provides international air and ocean freight forwarding, customs brokerage, distribution and post-sales, and mail and consulting services in approximately 200 countries and territories. In addition, it offers truckload brokerage services; supply chain solutions to the healthcare and life sciences industry; shipping, visibility, and billing technologies; and financial and insurance services. The company operates a fleet of approximately 121,000 package cars, vans, tractors, and motorcycles; and owns 59,000 containers that are used to transport cargo in its aircraft. United Parcel Service, Inc. was founded in 1907 and is headquartered in Atlanta, Georgia.

Full UPS 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.