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FISV vs IBM: Dividend Comparison 2026

FISV yields 3.67% · IBM yields 2.83%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IBM wins by $2.4K in total portfolio value
10 years
FISV
FISV
● Live price
3.67%
Share price
$54.53
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$464.28
Full FISV calculator →
IBM
International Business Machines
● Live price
2.83%
Share price
$237.25
Annual div
$6.72
5Y div CAGR
3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$463.53
Full IBM calculator →

Portfolio growth — FISV vs IBM

📍 IBM 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 PeriodFISVIBM
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, FISV + IBM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FISV pays
IBM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FISV
Annual income on $10K today (after 15% tax)
$311.75/yr
After 10yr DRIP, annual income (after tax)
$394.64/yr
IBM
Annual income on $10K today (after 15% tax)
$240.76/yr
After 10yr DRIP, annual income (after tax)
$394.00/yr
At 15% tax rate, FISV beats the other by $0.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FISV + IBM for your $10,000?

FISV: 50%IBM: 50%
100% IBM50/50100% FISV
Portfolio after 10yr
$26.6K
Annual income
$463.90/yr
Blended yield
1.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FISV right now

FISV
Analyst Ratings
36
Buy
24
Hold
Consensus: Buy
Price Target
$104.18
+91.1% upside vs current
Range: $62.00 — $180.00
Altman Z
0.8
Piotroski
6/9
IBM
Analyst Ratings
1
Strong
20
Buy
24
Hold
4
Sell
Consensus: Hold
Price Target
$349.50
+47.3% upside vs current
Range: $304.00 — $380.00
Altman Z
3.2
Piotroski
5/9
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)

FISV buys
0
IBM buys
0
No recent congressional trades found for FISV or IBM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFISVIBM
Forward yield3.67%2.83%
Annual dividend / share$2.00$6.72
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%3%
Portfolio after 10y$25.4K$27.7K
Annual income after 10y$464.28$463.53
Total dividends collected$4.2K$3.7K
Payment frequencyquarterlyquarterly
SectorStockTechnology
Analyst consensusBuyHold
Analyst price target$104.18$349.50

Year-by-year: FISV vs IBM ($10,000, DRIP)

YearFISV PortfolioFISV Income/yrIBM PortfolioIBM Income/yrGap
1← crossover$11,067$366.77$11,132$291.74$65.00IBM
2$12,221$379.34$12,375$308.58$154.00IBM
3$13,468$391.49$13,741$325.97$273.00IBM
4$14,814$403.22$15,239$343.91$425.00IBM
5$16,265$414.50$16,882$362.40$617.00IBM
6$17,829$425.34$18,681$381.46$852.00IBM
7$19,513$435.73$20,651$401.10$1.1KIBM
8$21,324$445.68$22,807$421.31$1.5KIBM
9$23,272$455.20$25,165$442.12$1.9KIBM
10$25,366$464.28$27,743$463.53$2.4KIBM

FISV vs IBM: Complete Analysis 2026

FISVStock

Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.

Full FISV Calculator →

IBMTechnology

International Business Machines Corporation provides integrated solutions and services worldwide. The company operates through four business segments: Software, Consulting, Infrastructure, and Financing. The Software segment offers hybrid cloud platform and software solutions, such as Red Hat, an enterprise open-source solutions; software for business automation, AIOps and management, integration, and application servers; data and artificial intelligence solutions; and security software and services for threat, data, and identity. This segment also provides transaction processing software that supports clients' mission-critical and on-premise workloads in banking, airlines, and retail industries. The Consulting segment offers business transformation services, including strategy, business process design and operations, data and analytics, and system integration services; technology consulting services; and application and cloud platform services. The Infrastructure segment provides on-premises and cloud-based server and storage solutions for its clients' mission-critical and regulated workloads; and support services and solutions for hybrid cloud infrastructure, as well as remanufacturing and remarketing services for used equipment. The Financing segment offers lease, installment payment, loan financing, and short-term working capital financing services. The company was formerly known as Computing-Tabulating-Recording Co. International Business Machines Corporation was incorporated in 1911 and is headquartered in Armonk, New York.

Full IBM 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.