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FNHC vs SPHD: Dividend Comparison 2026

FNHC yields 1000000.00% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FNHC wins by $188409716392645591040.00M in total portfolio value
10 years
FNHC
FNHC
● Live price
1000000.00%
Share price
$0.00
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$188409716392645591040.00M
Annual income
$156,820,396,180,463,870,000,000,000.00
Full FNHC calculator →
SPHD
SPHD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPHD calculator →

Portfolio growth — FNHC vs SPHD

📍 FNHC 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 PeriodFNHCSPHD
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, FNHC + SPHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
FNHC pays
SPHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FNHC
Annual income on $10K today (after 15% tax)
$85,000,000.00/yr
After 10yr DRIP, annual income (after tax)
$133,297,336,753,394,290,000,000,000.00/yr
SPHD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, FNHC beats the other by $133,297,336,753,394,290,000,000,000.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FNHC + SPHD for your $10,000?

FNHC: 50%SPHD: 50%
100% SPHD50/50100% FNHC
Portfolio after 10yr
$94204858196322795520.00M
Annual income
$78,410,198,090,231,930,000,000,000.00/yr
Blended yield
83.23%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FNHC right now

FNHC
Analyst Ratings
3
Buy
5
Hold
Consensus: Hold
SPHD
No analyst data
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)

FNHC buys
0
SPHD buys
0
No recent congressional trades found for FNHC or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFNHCSPHD
Forward yield1000000.00% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR-50%5% ✓
Portfolio after 10y$188409716392645591040.00M ✓$28.0K
Annual income after 10y$156,820,396,180,463,870,000,000,000.00 ✓$899.19
Total dividends collected$186170298512243982336.00M ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: FNHC vs SPHD ($10,000, DRIP)

YearFNHC PortfolioFNHC Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$50,010,700$50,000,000.00$11,120$420.00+$50.00M → FNHC
2$116,900,941,356$116,847,429,906.54$12,357$458.31+$116900.93M → FNHC
3$127,757,345,946,658$127,632,261,939,407.38$13,721$499.76+$127757345.93M → FNHC
4$65,316,731,768,579,704$65,180,031,408,416,776.00$15,227$544.58+$65316731768.56M → FNHC
5$15,641,708,257,005,480,000$15,571,819,354,013,100,000.00$16,885$593.02+$15641708257005.46M → FNHC
6$1,759,286,910,766,321,500,000$1,742,550,282,931,325,600,000.00$18,713$645.34+$1759286910766321.50M → FNHC
7$93,467,370,779,778,750,000,000$91,584,933,785,258,800,000,000.00$20,724$701.81+$93467370779778752.00M → FNHC
8$2,373,712,470,630,401,000,000,000$2,273,702,383,896,037,800,000,000.00$22,938$762.73+$2373712470630401024.00M → FNHC
9$29,522,729,170,263,285,000,000,000$26,982,856,826,688,750,000,000,000.00$25,372$828.41+$29522729170263285760.00M → FNHC
10$188,409,716,392,645,600,000,000,000$156,820,396,180,463,870,000,000,000.00$28,047$899.19+$188409716392645591040.00M → FNHC

FNHC vs SPHD: Complete Analysis 2026

FNHC — Stock

FedNat Holding Company, together with its subsidiaries, engages in the insurance underwriting, distribution, and claims processing business in Florida, Louisiana, Texas, Georgia, South Carolina, Alabama, and Mississippi. The company is involved in the homeowners and casualty insurance; and personal automobile insurance businesses, as well as commercial general liability and federal flood businesses. It markets and distributes its own and third-party insurers' products, and other services through a network of independent and general agents. The company was formerly known as Federated National Holding Company and changed its name to FedNat Holding Company in May 2018. FedNat Holding Company was founded in 1991 and is based in Sunrise, Florida. On December 11, 2022, FedNat Holding Company, along with its affiliates, filed a voluntary petition for reorganization under Chapter 11 in the U.S. Bankruptcy Court for the Southern District of Florida.

Full FNHC Calculator →

SPHD — ETF

SPHD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPHD shares.

Full SPHD 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.