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COF vs CAT: Dividend Comparison 2026

COF yields 1.57% · CAT yields 0.89%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.65M 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 →
CAT
CAT
● Live price
0.89%
Share price
$667.43
Annual div
$5.94
5Y div CAGR
42.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.0K
Annual income
$4,847.85
Full CAT calculator →

Portfolio growth — COF vs CAT

📍 COF 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 PeriodCOFCAT
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, COF + CAT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
COF pays
CAT 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
CAT
Annual income on $10K today (after 15% tax)
$75.65/yr
After 10yr DRIP, annual income (after tax)
$4,120.67/yr
At 15% tax rate, COF beats the other by $17,937,666.11/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

COF: 50%CAT: 50%
100% CAT50/50100% COF
Portfolio after 10yr
$11.86M
Annual income
$10,556,416.15/yr
Blended yield
89.00%
📊

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
CAT
Analyst Ratings
25
Buy
21
Hold
7
Sell
Consensus: Buy
Price Target
$697.07
+4.4% upside vs current
Range: $425.00 — $825.00
Altman Z
4.7
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)

COF buys
0
CAT buys
0
No recent congressional trades found for COF or CAT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOFCAT
Forward yield1.57%0.89%
Annual dividend / share$2.80$5.94
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%42.9%
Portfolio after 10y$23.69M$35.0K
Annual income after 10y$21,107,984.45$4,847.85
Total dividends collected$23.46M$13.5K
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusBuyBuy
Analyst price target$275.50$697.07

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

YearCOF PortfolioCOF Income/yrCAT PortfolioCAT Income/yrGap
1← crossover$11,014$314.38$10,827$127.18+$187.00COF
2$12,433$647.23$11,769$183.90+$664.00COF
3$14,668$1,365.54$12,860$266.96+$1.8KCOF
4$18,707$3,011.43$14,150$389.58+$4.6KCOF
5$27,195$7,178.47$15,712$572.46+$11.5KCOF
6$48,604$19,505.85$17,661$848.98+$30.9KCOF
7$117,169$65,162.98$20,172$1,274.46+$97.0KCOF
8$418,993$293,621.92$23,528$1,944.03+$395.5KCOF
9$2,410,904$1,962,580.97$28,203$3,028.23+$2.38MCOF
10$23,687,651$21,107,984.45$35,025$4,847.85+$23.65MCOF

COF vs CAT: 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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CATIndustrials

Caterpillar Inc. manufactures and sells construction and mining equipment, diesel and natural gas engines, and industrial gas turbines worldwide. Its Construction Industries segment offers asphalt pavers, backhoe loaders, compactors, cold planers, compact track and multi-terrain loaders, excavators, motorgraders, pipelayers, road reclaimers, site prep tractors, skid steer loaders, telehandlers, and utility vehicles; mini, small, medium, and large excavators; compact, small, and medium wheel loaders; track-type tractors and loaders; and wheel excavators. The Resource Industries segment provides electric rope shovels, draglines, hydraulic shovels, rotary drills, hard rock vehicles, track-type tractors, mining trucks, longwall miners, wheel loaders, off-highway trucks, articulated trucks, wheel tractor scrapers, wheel dozers, fleet management, landfill compactors, soil compactors, machinery components, autonomous ready vehicles and solutions, select work tools, and safety services and mining performance solutions. The Energy & Transportation segment offers reciprocating engines, generator sets, integrated systems and solutions, turbines and turbine-related services, remanufactured reciprocating engines and components, centrifugal gas compressors, diesel-electric locomotives and components, and other rail-related products and services for marine, oil and gas, industrial, and electric power generation sectors. The company's Financial Products segment provides operating and finance leases, installment sale contracts, working capital loans, and wholesale financing plans; and insurance and risk management products for vehicles, power generation facilities, and marine vessels. The All Other operating segment manufactures filters and fluids, undercarriage, ground engaging tools, etc. The company was formerly known as Caterpillar Tractor Co. and changed its name to Caterpillar Inc. in 1986. The company was founded in 1925 and is headquartered in Deerfield, Illinois.

Full CAT 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.