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COF vs ALLY: Dividend Comparison 2026

COF yields 1.57% · ALLY yields 3.17%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ALLY wins by $517.58M in total portfolio value
10 years
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →
ALLY
ALLY
● Live price
3.17%
Share price
$37.91
Annual div
$1.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$541.27M
Annual income
$510,298,008.94
Full ALLY calculator →

Portfolio growth — COF vs ALLY

📍 ALLY 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 PeriodCOFALLY
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, COF + ALLY cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
ALLY
Annual income on $10K today (after 15% tax)
$269.06/yr
After 10yr DRIP, annual income (after tax)
$433,753,307.60/yr
At 15% tax rate, ALLY beats the other by $415,811,520.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of COF + ALLY for your $10,000?

COF: 50%ALLY: 50%
100% ALLY50/50100% COF
Portfolio after 10yr
$282.48M
Annual income
$265,702,996.69/yr
Blended yield
94.06%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
Piotroski
7/9
ALLY
Analyst Ratings
26
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$51.40
+35.6% upside vs current
Range: $42.00 — $57.00
Altman Z
0.0
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)

COF buys
0
ALLY buys
0
No recent congressional trades found for COF or ALLY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOFALLY
Forward yield1.57%3.17%
Annual dividend / share$2.80$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%100%
Portfolio after 10y$23.69M$541.27M
Annual income after 10y$21,107,984.45$510,298,008.94
Total dividends collected$23.46M$538.99M
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$275.50$51.40

Year-by-year: COF vs ALLY ($10,000, DRIP)

YearCOF PortfolioCOF Income/yrALLY PortfolioALLY Income/yrGap
1← crossover$11,014$314.38$11,333$633.08$319.00ALLY
2$12,433$647.23$13,467$1,341.07$1.0KALLY
3$14,668$1,365.54$17,389$2,978.76$2.7KALLY
4$18,707$3,011.43$25,795$7,189.02$7.1KALLY
5$27,195$7,178.47$47,534$19,933.39$20.3KALLY
6$48,604$19,505.85$119,520$68,658.62$70.9KALLY
7$117,169$65,162.98$450,570$322,683.15$333.4KALLY
8$418,993$293,621.92$2,755,862$2,273,751.97$2.34MALLY
9$2,410,904$1,962,580.97$28,943,461$25,994,688.52$26.53MALLY
10$23,687,651$21,107,984.45$541,267,512$510,298,008.94$517.58MALLY

COF vs ALLY: Complete Analysis 2026

COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

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ALLYFinancials

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

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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.