HomeCompareCINF vs MOS

CINF vs MOS: Dividend Comparison 2026

CINF yields 2.27% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $929.96M in total portfolio value
10 years
CINF
CINF
● Live price
2.27%
Share price
$156.42
Annual div
$3.55
5Y div CAGR
44.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$84.7K
Annual income
$26,110.98
Full CINF calculator →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — CINF vs MOS

📍 MOS 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 PeriodCINFMOS
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, CINF + MOS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CINF
Annual income on $10K today (after 15% tax)
$192.91/yr
After 10yr DRIP, annual income (after tax)
$22,194.33/yr
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $749,637,038.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CINF + MOS for your $10,000?

CINF: 50%MOS: 50%
100% MOS50/50100% CINF
Portfolio after 10yr
$465.07M
Annual income
$440,989,074.78/yr
Blended yield
94.82%
📊

Analyst Conviction Gap

Where Wall Street is split right now

CINF
Analyst Ratings
9
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$166.00
+6.1% upside vs current
Range: $157.00 — $175.00
Altman Z
1.9
Piotroski
6/9
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
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)

CINF buys
0
MOS buys
0
No recent congressional trades found for CINF or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCINFMOS
Forward yield2.27%3.52%
Annual dividend / share$3.55$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.1%100%
Portfolio after 10y$84.7K$930.05M
Annual income after 10y$26,110.98$881,952,038.58
Total dividends collected$58.9K$926.56M
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusBuyHold
Analyst price target$166.00$33.80

Year-by-year: CINF vs MOS ($10,000, DRIP)

YearCINF PortfolioCINF Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,027$327.04$11,405$704.56$378.00MOS
2$12,285$485.67$13,705$1,501.91$1.4KMOS
3$13,873$728.65$18,038$3,373.54$4.2KMOS
4$15,952$1,108.20$27,600$8,299.26$11.6KMOS
5$18,785$1,716.13$53,268$23,735.99$34.5KMOS
6$22,822$2,721.57$142,624$85,627.61$119.8KMOS
7$28,872$4,452.79$581,146$428,538.38$552.3KMOS
8$38,480$7,586.48$3,885,667$3,263,840.61$3.85MMOS
9$54,790$13,616.74$44,947,834$40,790,171.07$44.89MMOS
10$84,736$26,110.98$930,046,221$881,952,038.58$929.96MMOS

CINF vs MOS: Complete Analysis 2026

CINFFinancials

Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance products; universal life insurance products; worksite products, such as term life; and whole life insurance products. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

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MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS 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.