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COF vs SAP: Dividend Comparison 2026

COF yields 1.57% · SAP yields 1.76%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.63M 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 →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — COF vs SAP

📍 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 PeriodCOFSAP
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 + SAP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
COF pays
SAP 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
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, COF beats the other by $17,929,150.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

COF: 50%SAP: 50%
100% SAP50/50100% COF
Portfolio after 10yr
$11.87M
Annual income
$10,561,425.28/yr
Blended yield
88.95%
📊

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
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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
SAP buys
0
No recent congressional trades found for COF or SAP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOFSAP
Forward yield1.57%1.76%
Annual dividend / share$2.80$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%43.3%
Portfolio after 10y$23.69M$60.2K
Annual income after 10y$21,107,984.45$14,866.12
Total dividends collected$23.46M$36.3K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$275.50$415.33

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

YearCOF PortfolioCOF Income/yrSAP PortfolioSAP Income/yrGap
1← crossover$11,014$314.38$10,953$252.90+$61.00COF
2$12,433$647.23$12,091$370.97+$342.00COF
3$14,668$1,365.54$13,485$548.42+$1.2KCOF
4$18,707$3,011.43$15,249$819.21+$3.5KCOF
5$27,195$7,178.47$17,556$1,240.57+$9.6KCOF
6$48,604$19,505.85$20,698$1,912.91+$27.9KCOF
7$117,169$65,162.98$25,168$3,020.33+$92.0KCOF
8$418,993$293,621.92$31,848$4,918.38+$387.1KCOF
9$2,410,904$1,962,580.97$42,412$8,335.30+$2.37MCOF
10$23,687,651$21,107,984.45$60,247$14,866.12+$23.63MCOF

COF vs SAP: 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.

Full COF Calculator →

SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.