Is FCPT or MOS a better dividend investment in 2026?

FCPT currently yields 5.99% with a 5% 5-year dividend growth rate. MOS yields 3.52% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between FCPT and MOS?

FCPT has a forward dividend yield of 5.99% ($1.43/share annually). MOS yields 3.52% ($0.88/share annually). The yield gap is 2.47 percentage points.

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FCPT vs MOS: Dividend Comparison 2026

FCPT yields 5.99% · MOS yields 3.52%● Live data

vsPost on X →

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

🏆 MOS wins by $930.00M in total portfolio value

INVESTMENT

TIME HORIZON10 years

FCPT

● Live price

5.99%

Share price

$23.91

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$48.6K

Annual income

$5,665.82

Full FCPT calculator →

MOS

● Live price

3.52%

Share price

$24.98

Annual div

$0.88

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$930.05M

Annual income

$881,952,038.58

Full MOS calculator →

Portfolio growth — FCPT vs MOS

📍 MOS 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 Period	FCPT	MOS
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, FCPT + MOS cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FCPT pays

MOS pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

FCPT

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

$508.90/yr

After 10yr DRIP, annual income (after tax)

$4,815.95/yr

MOS

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

$299.44/yr

After 10yr DRIP, annual income (after tax)

$749,659,232.79/yr

At 15% tax rate, MOS beats the other by $749,654,416.85/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of FCPT + MOS for your $10,000?

FCPT: 50%MOS: 50%

100% MOS50/50100% FCPT

Portfolio after 10yr

$465.05M

Annual income

$440,978,852.20/yr

Blended yield

94.82%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on MOS right now

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+12.9% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

Piotroski

6/9

MOS

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$33.80

+35.3% upside vs current

Range: $27.00 — $44.00

Altman Z

2.0

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FCPT buys

MOS buys

No recent congressional trades found for FCPT or MOS in the last 90 days.

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

MetricFCPTMOS

Forward yield	5.99% ✓	3.52%
Annual dividend / share	$1.43 ✓	$0.88
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	15.8%	100% ✓
Portfolio after 10y	$48.6K	$930.05M ✓
Annual income after 10y	$5,665.82	$881,952,038.58 ✓
Total dividends collected	$23.7K	$926.56M ✓
Payment frequency	quarterly	quarterly
Sector	REIT	Materials
Analyst consensus	Hold	Hold
Analyst price target	$27.00	$33.80 ✓

Year-by-year: FCPT vs MOS ($10,000, DRIP)

Year	FCPT Portfolio	FCPT Income/yr	MOS Portfolio	MOS Income/yr	Gap
1← crossover	$11,393	$693.30	$11,405	$704.56	$12.00 → MOS
2	$13,046	$854.86	$13,705	$1,501.91	$659.00 → MOS
3	$15,018	$1,059.34	$18,038	$3,373.54	$3.0K → MOS
4	$17,389	$1,319.82	$27,600	$8,299.26	$10.2K → MOS
5	$20,260	$1,653.87	$53,268	$23,735.99	$33.0K → MOS
6	$23,764	$2,085.42	$142,624	$85,627.61	$118.9K → MOS
7	$28,075	$2,647.22	$581,146	$428,538.38	$553.1K → MOS
8	$33,425	$3,384.63	$3,885,667	$3,263,840.61	$3.85M → MOS
9	$40,125	$4,361.00	$44,947,834	$40,790,171.07	$44.91M → MOS
10	$48,600	$5,665.82	$930,046,221	$881,952,038.58	$930.00M → MOS

FCPT vs MOS: Complete Analysis 2026

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT Calculator →

MOS — Materials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS 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.