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COF vs COST: Dividend Comparison 2026

COF yields 1.57% · COST yields 0.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.66M 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 →
COST
COST
● Live price
0.52%
Share price
$996.58
Annual div
$5.20
5Y div CAGR
47%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.1K
Annual income
$3,341.06
Full COST calculator →

Portfolio growth — COF vs COST

📍 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 PeriodCOFCOST
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 + COST cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
COF pays
COST 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
COST
Annual income on $10K today (after 15% tax)
$44.35/yr
After 10yr DRIP, annual income (after tax)
$2,839.90/yr
At 15% tax rate, COF beats the other by $17,938,946.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

COF: 50%COST: 50%
100% COST50/50100% COF
Portfolio after 10yr
$11.86M
Annual income
$10,555,662.75/yr
Blended yield
89.01%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COST 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
COST
Analyst Ratings
38
Buy
19
Hold
1
Sell
Consensus: Buy
Price Target
$1,061.33
+6.5% upside vs current
Range: $769.00 — $1,175.00
Altman Z
9.4
Piotroski
8/9
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
COST buys
0
No recent congressional trades found for COF or COST in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOFCOST
Forward yield1.57%0.52%
Annual dividend / share$2.80$5.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%47%
Portfolio after 10y$23.69M$30.1K
Annual income after 10y$21,107,984.45$3,341.06
Total dividends collected$23.46M$9.2K
Payment frequencyquarterlyquarterly
SectorFinancialsConsumer Staples
Analyst consensusBuyBuy
Analyst price target$275.50$1,061.33

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

YearCOF PortfolioCOF Income/yrCOST PortfolioCOST Income/yrGap
1← crossover$11,014$314.38$10,777$76.70+$237.00COF
2$12,433$647.23$11,645$113.56+$788.00COF
3$14,668$1,365.54$12,628$168.58+$2.0KCOF
4$18,707$3,011.43$13,763$251.16+$4.9KCOF
5$27,195$7,178.47$15,103$376.07+$12.1KCOF
6$48,604$19,505.85$16,727$566.94+$31.9KCOF
7$117,169$65,162.98$18,761$862.64+$98.4KCOF
8$418,993$293,621.92$21,403$1,329.21+$397.6KCOF
9$2,410,904$1,962,580.97$24,985$2,083.31+$2.39MCOF
10$23,687,651$21,107,984.45$30,075$3,341.06+$23.66MCOF

COF vs COST: 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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COSTConsumer Staples

Costco Wholesale Corporation, together with its subsidiaries, engages in the operation of membership warehouses in the United States, Puerto Rico, Canada, the United Kingdom, Mexico, Japan, Korea, Australia, Spain, France, Iceland, China, and Taiwan. It offers branded and private-label products in a range of merchandise categories. The company offers sundries, dry groceries, candies, coolers, freezers, liquor, and tobacco and deli products; appliances, electronics, health and beauty aids, hardware, garden and patio products, sporting goods, tires, toys and seasonal products, office supplies, automotive care products, postages, tickets, apparel, small appliances, furniture, domestics, housewares, special order kiosks, and jewelry; and meat, produce, service deli, and bakery products. It also operates pharmacies, opticals, food courts, hearing-aid centers, and tire installation centers, as well as 636 gas stations; and offers business delivery, travel, same-day grocery, and various other services online in various countries. As of August 29, 2021, the company operated 815 membership warehouses, including 564 in the United States and Puerto Rico, 105 in Canada, 39 in Mexico, 30 in Japan, 29 in the United Kingdom, 16 in South Korea, 14 in Taiwan, 12 in Australia, 3 in Spain, 1 in Iceland, 1 in France, and 1 in China. It also operates e-commerce websites in the United States, Canada, the United Kingdom, Mexico, South Korea, Taiwan, Japan, and Australia. The company was formerly known as Costco Companies, Inc. and changed its name to Costco Wholesale Corporation in August 1999. Costco Wholesale Corporation was founded in 1976 and is based in Issaquah, Washington.

Full COST 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.