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CL vs SAP: Dividend Comparison 2026

CL yields 2.43% · SAP yields 1.76%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SAP wins by $19.4K in total portfolio value· pulled ahead in Year 5
10 years
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — CL vs SAP

📍 SAP pulled ahead of the other in Year 5

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 PeriodCLSAP
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, CL + SAP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, SAP beats the other by $8,044.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CL: 50%SAP: 50%
100% SAP50/50100% CL
Portfolio after 10yr
$50.5K
Annual income
$10,134.04/yr
Blended yield
20.06%
📊

Analyst Conviction Gap

Where Wall Street is split right now

CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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)

CL buys
0
SAP buys
0
No recent congressional trades found for CL or SAP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLSAP
Forward yield2.43%1.76%
Annual dividend / share$2.08$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR28.6%43.3%
Portfolio after 10y$40.8K$60.2K
Annual income after 10y$5,401.96$14,866.12
Total dividends collected$18.0K$36.3K
Payment frequencyquarterlyquarterly
SectorConsumer StaplesStock
Analyst consensusHoldBuy
Analyst price target$92.45$415.33

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

YearCL PortfolioCL Income/yrSAP PortfolioSAP Income/yrGap
1$11,012$312.01$10,953$252.90+$59.00CL
2$12,196$412.95$12,091$370.97+$105.00CL
3$13,599$549.66$13,485$548.42+$114.00CL
4$15,288$736.64$15,249$819.21+$39.00CL
5← crossover$17,353$995.28$17,556$1,240.57$203.00SAP
6$19,926$1,357.80$20,698$1,912.91$772.00SAP
7$23,194$1,873.82$25,168$3,020.33$2.0KSAP
8$27,439$2,621.52$31,848$4,918.38$4.4KSAP
9$33,088$3,727.38$42,412$8,335.30$9.3KSAP
10$40,806$5,401.96$60,247$14,866.12$19.4KSAP

CL vs SAP: Complete Analysis 2026

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

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SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.