Is CHCJY or CL a better dividend investment in 2026?

CHCJY currently yields 4.92% with a 5% 5-year dividend growth rate. CL yields 4.00% with 5% growth. The better choice depends on your goal: CHCJY offers higher current income.

What is the dividend yield difference between CHCJY and CL?

CHCJY has a forward dividend yield of 4.92% ($0.88/share annually). CL yields 4.00% ($2.00/share annually). The yield gap is 0.92 percentage points.

Home › Compare › CHCJY vs CL

CHCJY vs CL: Dividend Comparison 2026

CHCJY yields 4.92% · CL yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CHCJY wins by $5583.54M in total portfolio value

INVESTMENT

TIME HORIZON10 years

CHCJY

● Live price

4.92%

Share price

$18.00

Annual div

$0.88

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$5583.57M

Annual income

$5,373,544,361.60

Full CHCJY calculator →

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full CL calculator →

Portfolio growth — CHCJY vs CL

📍 CHCJY 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 Period	CHCJY	CL
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, CHCJY + CL cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CHCJY pays

CL pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CHCJY

Annual income on $10K today (after 15% tax)

$417.78/yr

After 10yr DRIP, annual income (after tax)

$4,567,512,707.36/yr

Annual income on $10K today (after 15% tax)

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, CHCJY beats the other by $4,567,511,943.05/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of CHCJY + CL for your $10,000?

CHCJY: 50%CL: 50%

100% CL50/50100% CHCJY

Portfolio after 10yr

$2791.80M

Annual income

$2,686,772,630.40/yr

Blended yield

96.24%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

CHCJY

Analyst Ratings

Buy

Consensus: Buy

Altman Z

-0.1

Piotroski

7/9

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$92.45

+84.9% upside vs current

Range: $85.00 — $100.00

Altman Z

4.5

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CHCJY buys

CL buys

Politician	Chamber	Ticker	Type	Amount	Date
John Boozman	🏛 Senate	$CL	▼ Sell	$1,001 - $15,000	2025-10-09
Ro Khanna	🏢 House	$CL	▼ Sell	$1,001 - $15,000	2025-10-07
Rick Larsen	🏢 House	$CL	▼ Sell	$1,001 - $15,000	2025-10-06
Ro Khanna	🏢 House	$CL	▼ Sell	$1,001 - $15,000	2025-09-29
Julie Johnson	🏢 House	$CL	▼ Sell	$1,001 - $15,000	2025-09-25
Lisa McClain	🏢 House	$CL	▼ Sell	$1,001 - $15,000	2025-09-11
Tim Moore	🏢 House	$CL	▼ Sell	$1,001 - $15,000	2025-09-10
Ro Khanna	🏢 House	$CL	▲ Buy	$1,001 - $15,000	2025-09-05
Ro Khanna	🏢 House	$CL	▲ Buy	$1,001 - $15,000	2025-08-26
Lisa McClain	🏢 House	$CL	▲ Buy	$1,001 - $15,000	2025-08-13

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCHCJYCL

Forward yield	4.92% ✓	4.00%
Annual dividend / share	$0.88	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	100% ✓	5%
Portfolio after 10y	$5583.57M ✓	$28.0K
Annual income after 10y	$5,373,544,361.60 ✓	$899.19
Total dividends collected	$5568.82M ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples
Analyst consensus	Buy	Hold

Year-by-year: CHCJY vs CL ($10,000, DRIP)

Year	CHCJY Portfolio	CHCJY Income/yr	CL Portfolio	CL Income/yr	Gap
1← crossover	$11,683	$983.00	$11,120	$420.00	+$563.00 → CHCJY
2	$14,647	$2,146.61	$12,357	$458.31	+$2.3K → CHCJY
3	$20,703	$5,030.45	$13,721	$499.76	+$7.0K → CHCJY
4	$35,443	$13,290.14	$15,227	$544.58	+$20.2K → CHCJY
5	$80,450	$42,526.88	$16,885	$593.02	+$63.6K → CHCJY
6	$266,514	$180,431.75	$18,713	$645.34	+$247.8K → CHCJY
7	$1,402,420	$1,117,250.02	$20,724	$701.81	+$1.38M → CHCJY
8	$12,489,510	$10,988,920.79	$22,938	$762.73	+$12.47M → CHCJY
9	$196,286,919	$182,923,143.78	$25,372	$828.41	+$196.26M → CHCJY
10	$5,583,571,365	$5,373,544,361.60	$28,047	$899.19	+$5583.54M → CHCJY

CHCJY vs CL: Complete Analysis 2026

CHCJY — Stock

China CITIC Bank Corporation Limited provides various banking products and services in the People's Republic of China and internationally. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. It accepts deposits; offers corporate and personal loans; and provides securities agency, remittance and settlement, and guarantee services, as well as investment banking and international services. The company also engages in the capital markets operations and inter-bank operations, including inter-bank money market transactions, repurchase transactions, investments, and trading in debt instruments; and derivatives and forex trading. In addition, it offers asset management, finance leasing, and other non-banking financial services. The company serves corporations, government agencies, and non-financial institutions; and individual customers and micro and small enterprises. As of December 31, 2021, it operated 1,415 outlets, including 37 tier-one branches, 126 tier-two branches, and 1,252 sub-branches; 1,569 self-service banks; and 5,398 self-service terminals, as well as 9,078 smart teller machines. The company was founded in 1987 and is headquartered in Beijing, the People's Republic of China. China CITIC Bank Corporation Limited operates as a subsidiary of CITIC Corporation Limited.

Full CHCJY Calculator →

CL — Consumer Staples

CL is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in CL shares.

Full CL 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.