Is COF or COP a better dividend investment in 2026?

COF currently yields 1.57% with a 5% 5-year dividend growth rate. COP yields 2.44% with 5% growth. The better choice depends on your goal: COP offers higher current income.

What is the dividend yield difference between COF and COP?

COF has a forward dividend yield of 1.57% ($2.80/share annually). COP yields 2.44% ($3.24/share annually). The yield gap is 0.87 percentage points.

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COF vs COP: Dividend Comparison 2026

COF yields 1.57% · COP yields 2.44%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 COP wins by $63.00M in total portfolio value

INVESTMENT

TIME HORIZON10 years

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 →

COP

● Live price

2.44%

Share price

$132.89

Annual div

$3.24

5Y div CAGR

96.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$86.69M

Annual income

$79,275,909.08

Full COP calculator →

Portfolio growth — COF vs COP

📍 COP pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	COF	COP
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 + COP cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

COF pays

COP 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

COP

Annual income on $10K today (after 15% tax)

$207.24/yr

After 10yr DRIP, annual income (after tax)

$67,384,522.72/yr

At 15% tax rate, COP beats the other by $49,442,735.94/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

COF: 50%COP: 50%

100% COP50/50100% COF

Portfolio after 10yr

$55.19M

Annual income

$50,191,946.76/yr

Blended yield

90.95%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on COP right now

COF

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$275.50

+54.7% upside vs current

Range: $218.00 — $300.00

Altman Z

-0.4

Piotroski

7/9

COP

Analyst Ratings

Strong

Buy

Hold

Sell

Consensus: Buy

Price Target

$116.79

-12.1% upside vs current

Range: $98.00 — $133.00

Altman Z

3.4

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

COP buys

No recent congressional trades found for COF or COP in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCOFCOP

Forward yield	1.57%	2.44% ✓
Annual dividend / share	$2.80	$3.24 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	96.6%
Portfolio after 10y	$23.69M	$86.69M ✓
Annual income after 10y	$21,107,984.45	$79,275,909.08 ✓
Total dividends collected	$23.46M	$86.10M ✓
Payment frequency	quarterly	quarterly
Sector	Financials	Energy
Analyst consensus	Buy	Buy
Analyst price target	$275.50 ✓	$116.79

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

Year	COF Portfolio	COF Income/yr	COP Portfolio	COP Income/yr	Gap
1← crossover	$11,014	$314.38	$11,179	$479.33	$165.00 → COP
2	$12,433	$647.23	$12,946	$984.58	$513.00 → COP
3	$14,668	$1,365.54	$15,948	$2,095.01	$1.3K → COP
4	$18,707	$3,011.43	$21,806	$4,741.70	$3.1K → COP
5	$27,195	$7,178.47	$35,245	$11,912.61	$8.1K → COP
6	$48,604	$19,505.85	$73,090	$35,377.72	$24.5K → COP
7	$117,169	$65,162.98	$213,006	$134,800.18	$95.8K → COP
8	$418,993	$293,621.92	$949,732	$721,815.83	$530.7K → COP
9	$2,410,904	$1,962,580.97	$6,929,588	$5,913,373.93	$4.52M → COP
10	$23,687,651	$21,107,984.45	$86,690,568	$79,275,909.08	$63.00M → COP

COF vs COP: Complete Analysis 2026

COF — Financials

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.

Full COF Calculator →

COP — Energy

ConocoPhillips explores for, produces, transports, and markets crude oil, bitumen, natural gas, liquefied natural gas (LNG), and natural gas liquids worldwide. It primarily engages in the conventional and tight oil reservoirs, shale gas, heavy oil, LNG, oil sands, and other production operations. The company's portfolio includes unconventional plays in North America; conventional assets in North America, Europe, Asia, and Australia; various LNG developments; oil sands assets in Canada; and an inventory of conventional and unconventional exploration prospects. ConocoPhillips was founded in 1917 and is headquartered in Houston, Texas.

Full COP 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.