Home › Compare › COF vs CP

COF vs CP: Dividend Comparison 2026

COF yields 1.57% · CP yields 0.85%● 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 →
CP
CP
● Live price
0.85%
Share price
$77.52
Annual div
$0.66
5Y div CAGR
26%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.8K
Annual income
$1,036.17
Full CP calculator →

Portfolio growth — COF vs CP

📍 COF 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 PeriodCOFCP
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 + CP cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
COF pays
CP 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
CP
Annual income on $10K today (after 15% tax)
$72.42/yr
After 10yr DRIP, annual income (after tax)
$880.74/yr
At 15% tax rate, COF beats the other by $17,940,906.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

COF: 50%CP: 50%
100% CP50/50100% COF
Portfolio after 10yr
$11.86M
Annual income
$10,554,510.31/yr
Blended yield
89.02%
📊

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
CP
Analyst Ratings
26
Buy
15
Hold
2
Sell
Consensus: Buy
Price Target
$88.75
+14.5% upside vs current
Range: $85.00 — $93.00
Altman Z
2.2
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
CP buys
0
No recent congressional trades found for COF or CP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOFCP
Forward yield1.57% ✓0.85%
Annual dividend / share$2.80 ✓$0.66
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓26%
Portfolio after 10y$23.69M$24.8K ✓
Annual income after 10y$21,107,984.45 ✓$1,036.17
Total dividends collected$23.46M ✓$4.2K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$275.50 ✓$88.75

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

YearCOF PortfolioCOF Income/yrCP PortfolioCP Income/yrGap
1← crossover$11,014$314.38$10,807$107.35+$207.00 → COF
2$12,433$647.23$11,700$136.62+$733.00 → COF
3$14,668$1,365.54$12,694$174.17+$2.0K → COF
4$18,707$3,011.43$13,805$222.51+$4.9K → COF
5$27,195$7,178.47$15,056$284.95+$12.1K → COF
6$48,604$19,505.85$16,476$365.97+$32.1K → COF
7$117,169$65,162.98$18,101$471.59+$99.1K → COF
8$418,993$293,621.92$19,978$610.10+$399.0K → COF
9$2,410,904$1,962,580.97$22,169$792.94+$2.39M → COF
10$23,687,651$21,107,984.45$24,757$1,036.17+$23.66M → COF

COF vs CP: 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 →

CP — Stock

Canadian Pacific Kansas City Ltd. engages in the provision of rail freight transportation services. It offers rail services linking Canada, the United States and Mexico. The company was founded on June 22, 2001, and is headquartered in Calgary, Canada.

Full CP Calculator →
📬

Get this COF vs CP comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

COF vs SCHDCOF vs JEPICOF vs OCOF vs KOCOF vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.