HomeCompareCNFRZ vs PEP

CNFRZ vs PEP: Dividend Comparison 2026

CNFRZ yields 12.37% · PEP yields 3.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $99.5K in total portfolio value· pulled ahead in Year 7
10 years
CNFRZ
CNFRZ
● Live price
12.37%
Share price
$19.70
Annual div
$2.44
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.2K
Annual income
$2,675.37
Full CNFRZ calculator →
PEP
PepsiCo Inc.
● Live price
3.66%
Share price
$155.29
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$144.7K
Annual income
$63,430.49
Full PEP calculator →

Portfolio growth — CNFRZ vs PEP

📍 PEP pulled ahead of the other in Year 7

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 PeriodCNFRZPEP
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, CNFRZ + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CNFRZ pays
PEP pays
Both pay
Neither
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Tax Bracket Optimizer

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

CNFRZ
Annual income on $10K today (after 15% tax)
$1,051.72/yr
After 10yr DRIP, annual income (after tax)
$2,274.06/yr
PEP
Annual income on $10K today (after 15% tax)
$311.45/yr
After 10yr DRIP, annual income (after tax)
$53,915.92/yr
At 15% tax rate, PEP beats the other by $51,641.85/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 CNFRZ + PEP for your $10,000?

CNFRZ: 50%PEP: 50%
100% PEP50/50100% CNFRZ
Portfolio after 10yr
$94.9K
Annual income
$33,052.93/yr
Blended yield
34.81%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

CNFRZ
Analyst Ratings
3
Hold
1
Sell
Consensus: Hold
Altman Z
-0.3
Piotroski
2/9
PEP
Analyst Ratings
1
Strong
15
Buy
28
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+11.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

CNFRZ buys
0
PEP buys
6
PoliticianChamberTickerTypeAmountDate
Sheldon Whitehouse🏛 Senate$PEP▼ Sell$1,001 - $15,0002026-02-23
Sheldon Whitehouse🏛 Senate$PEP▼ Sell$1,001 - $15,0002026-02-23
Julia Letlow🏢 House$PEP▲ Buy$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PEP▼ Sell$1,001 - $15,0002025-12-18
Jared Moskowitz🏢 House$PEP▼ Sell$1,001 - $15,0002025-12-02
Jared Moskowitz🏢 House$PEP▼ Sell$1,001 - $15,0002025-12-02
Jared Moskowitz🏢 House$PEP▼ Sell$15,001 - $50,0002025-12-02
Julie Johnson🏢 House$PEP▼ Sell$1,001 - $15,0002025-11-13
Rich McCormick🏢 House$PEP▲ Buy$1,001 - $15,0002025-11-05
Scott DesJarlais🏢 House$PEP▼ Sell$1,001 - $15,0002025-10-28
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNFRZPEP
Forward yield12.37%3.66%
Annual dividend / share$2.44$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$45.2K$144.7K
Annual income after 10y$2,675.37$63,430.49
Total dividends collected$19.4K$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: CNFRZ vs PEP ($10,000, DRIP)

YearCNFRZ PortfolioCNFRZ Income/yrPEP PortfolioPEP Income/yrGap
1$11,937$1,237.32$10,854$514.44+$1.1KCNFRZ
2$14,153$1,380.40$11,982$758.21+$2.2KCNFRZ
3$16,674$1,529.58$13,526$1,136.44+$3.1KCNFRZ
4$19,525$1,684.07$15,727$1,741.93+$3.8KCNFRZ
5$22,735$1,843.04$19,012$2,750.28+$3.7KCNFRZ
6$26,332$2,005.63$24,173$4,514.44+$2.2KCNFRZ
7← crossover$30,346$2,170.99$32,789$7,793.80$2.4KPEP
8$34,808$2,338.28$48,258$14,354.51$13.4KPEP
9$39,752$2,506.66$78,586$28,686.63$38.8KPEP
10$45,210$2,675.37$144,688$63,430.49$99.5KPEP

CNFRZ vs PEP: Complete Analysis 2026

CNFRZStock

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,900 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Troy, Michigan.

Full CNFRZ Calculator →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.