HomeCompareCNPAY vs SPHD

CNPAY vs SPHD: Dividend Comparison 2026

CNPAY yields 8.36% · SPHD yields 4.30%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CNPAY wins by $1545.19M in total portfolio value
10 years
CNPAY
CNPAY
● Live price
8.36%
Share price
$11.29
Annual div
$0.94
5Y div CAGR
79.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1545.21M
Annual income
$1,447,164,778.76
Full CNPAY calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — CNPAY vs SPHD

📍 CNPAY 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 PeriodCNPAYSPHD
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, CNPAY + SPHD cover 0 of 12 monthsgood coverage

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

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

CNPAY
Annual income on $10K today (after 15% tax)
$710.72/yr
After 10yr DRIP, annual income (after tax)
$1,230,090,061.95/yr
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, CNPAY beats the other by $1,230,089,579.68/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CNPAY + SPHD for your $10,000?

CNPAY: 50%SPHD: 50%
100% SPHD50/50100% CNPAY
Portfolio after 10yr
$772.62M
Annual income
$723,582,673.06/yr
Blended yield
93.65%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CNPAY buys
0
SPHD buys
0
No recent congressional trades found for CNPAY or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNPAYSPHD
Forward yield8.36%4.30%
Annual dividend / share$0.94$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.5%0%
Portfolio after 10y$1545.21M$26.5K
Annual income after 10y$1,447,164,778.76$567.37
Total dividends collected$1538.05M$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: CNPAY vs SPHD ($10,000, DRIP)

YearCNPAY PortfolioCNPAY Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$12,201$1,500.87$11,130$430.50+$1.1KCNPAY
2$16,127$3,071.95$12,357$447.82+$3.8KCNPAY
3$24,067$6,811.68$13,687$464.65+$10.4KCNPAY
4$42,806$17,053.53$15,126$480.98+$27.7KCNPAY
5$96,684$50,882.30$16,682$496.78+$80.0KCNPAY
6$296,250$192,797.87$18,362$512.03+$277.9KCNPAY
7$1,308,014$991,026.24$20,174$526.72+$1.29MCNPAY
8$8,739,973$7,340,397.80$22,127$540.84+$8.72MCNPAY
9$91,632,472$82,280,700.98$24,230$554.39+$91.61MCNPAY
10$1,545,211,524$1,447,164,778.76$26,493$567.37+$1545.19MCNPAY

CNPAY vs SPHD: Complete Analysis 2026

CNPAYStock

CNP Assurances SA (ENXTPA:CNP) provides insurance, coinsurance, and reinsurance solutions in France, Latin America, and other European countries. It offers life, accident, long-term care, death and funerals, disability, unemployment, loss of income, health, and dental insurance products; property and casualty insurance, such as home-owner and auto insurance; term creditor and guarantee insurance products, including home and business loans, and consumer finance; solutions in the area of guarantees for real estate loans in private market; and pension plans, as well as support and assistance services. The company was founded in 1850 and is headquartered in Paris, France. CNP Assurances SA (ENXTPA:CNP) operates as a subsidiary of La Banque Postale S.A.

Full CNPAY Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.