HomeCompareCINF vs UNP

CINF vs UNP: Dividend Comparison 2026

CINF yields 2.27% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CINF wins by $14.8K 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 →
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 — CINF vs UNP

📍 CINF 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 PeriodCINFUNP
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, CINF + UNP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CINF pays
UNP pays
Both pay
Neither
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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
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, CINF beats the other by $6,490.68/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CINF: 50%UNP: 50%
100% UNP50/50100% CINF
Portfolio after 10yr
$77.3K
Annual income
$22,292.94/yr
Blended yield
28.83%
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Analyst Conviction Gap

Where Wall Street is most bullish on UNP 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
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CINF buys
0
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 →
MetricCINFUNP
Forward yield2.27%2.29%
Annual dividend / share$3.55$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.1%40.9%
Portfolio after 10y$84.7K$69.9K
Annual income after 10y$26,110.98$18,474.89
Total dividends collected$58.9K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$166.00$276.57

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

YearCINF PortfolioCINF Income/yrUNP PortfolioUNP Income/yrGap
1← crossover$11,027$327.04$11,023$322.76+$4.00CINF
2$12,285$485.67$12,263$468.48+$22.00CINF
3$13,873$728.65$13,808$686.31+$65.00CINF
4$15,952$1,108.20$15,792$1,017.59+$160.00CINF
5$18,785$1,716.13$18,430$1,532.54+$355.00CINF
6$22,822$2,721.57$22,075$2,355.20+$747.00CINF
7$28,872$4,452.79$27,335$3,714.82+$1.5KCINF
8$38,480$7,586.48$35,306$6,057.38+$3.2KCINF
9$54,790$13,616.74$48,080$10,302.43+$6.7KCINF
10$84,736$26,110.98$69,920$18,474.89+$14.8KCINF

CINF vs UNP: 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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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 →
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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.