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CL vs UNP: Dividend Comparison 2026

CL yields 2.43% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNP wins by $29.1K in total portfolio value
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 →
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 — CL vs UNP

📍 UNP 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 PeriodCLUNP
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, CL + UNP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CL pays
UNP 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
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, UNP beats the other by $11,111.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CL: 50%UNP: 50%
100% UNP50/50100% CL
Portfolio after 10yr
$55.4K
Annual income
$11,938.43/yr
Blended yield
21.56%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP 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
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CL 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 →
MetricCLUNP
Forward yield2.43%2.29%
Annual dividend / share$2.08$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR28.6%40.9%
Portfolio after 10y$40.8K$69.9K
Annual income after 10y$5,401.96$18,474.89
Total dividends collected$18.0K$44.9K
Payment frequencyquarterlyquarterly
SectorConsumer StaplesStock
Analyst consensusHoldBuy
Analyst price target$92.45$276.57

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

YearCL PortfolioCL Income/yrUNP PortfolioUNP Income/yrGap
1← crossover$11,012$312.01$11,023$322.76$11.00UNP
2$12,196$412.95$12,263$468.48$67.00UNP
3$13,599$549.66$13,808$686.31$209.00UNP
4$15,288$736.64$15,792$1,017.59$504.00UNP
5$17,353$995.28$18,430$1,532.54$1.1KUNP
6$19,926$1,357.80$22,075$2,355.20$2.1KUNP
7$23,194$1,873.82$27,335$3,714.82$4.1KUNP
8$27,439$2,621.52$35,306$6,057.38$7.9KUNP
9$33,088$3,727.38$48,080$10,302.43$15.0KUNP
10$40,806$5,401.96$69,920$18,474.89$29.1KUNP

CL vs UNP: 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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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.