HomeCompareGAIN vs SJW

GAIN vs SJW: Dividend Comparison 2026

GAIN yields 10.60% · SJW yields 2.99%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GAIN wins by $94.38M in total portfolio value
10 years
GAIN
GAIN
● Live price
10.60%
Share price
$14.15
Annual div
$1.50
5Y div CAGR
60.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$94.44M
Annual income
$81,370,192.12
Full GAIN calculator →
SJW
SJW
● Live price
2.99%
Share price
$54.86
Annual div
$1.64
5Y div CAGR
30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,786.53
Full SJW calculator →

Portfolio growth — GAIN vs SJW

📍 GAIN 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 PeriodGAINSJW
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, GAIN + SJW cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

GAIN
Annual income on $10K today (after 15% tax)
$901.06/yr
After 10yr DRIP, annual income (after tax)
$69,164,663.30/yr
SJW
Annual income on $10K today (after 15% tax)
$254.10/yr
After 10yr DRIP, annual income (after tax)
$8,318.55/yr
At 15% tax rate, GAIN beats the other by $69,156,344.75/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of GAIN + SJW for your $10,000?

GAIN: 50%SJW: 50%
100% SJW50/50100% GAIN
Portfolio after 10yr
$47.24M
Annual income
$40,689,989.32/yr
Blended yield
86.13%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SJW right now

GAIN
Analyst Ratings
2
Buy
5
Hold
Consensus: Hold
Price Target
$15.00
+6.0% upside vs current
Range: $15.00 — $15.00
Altman Z
0.8
Piotroski
2/9
SJW
Analyst Ratings
5
Buy
6
Hold
Consensus: Hold
Price Target
$72.75
+32.6% upside vs current
Range: $57.00 — $85.00
Altman Z
2.7
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)

GAIN buys
0
SJW buys
0
No recent congressional trades found for GAIN or SJW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricGAINSJW
Forward yield10.60%2.99%
Annual dividend / share$1.50$1.64
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR60.8%30.9%
Portfolio after 10y$94.44M$53.4K
Annual income after 10y$81,370,192.12$9,786.53
Total dividends collected$93.35M$29.2K
Payment frequencyquarterlyquarterly
SectorBDCUtilities
Analyst consensusHoldHold
Analyst price target$15.00$72.75

Year-by-year: GAIN vs SJW ($10,000, DRIP)

YearGAIN PortfolioGAIN Income/yrSJW PortfolioSJW Income/yrGap
1← crossover$12,405$1,704.59$11,091$391.32+$1.3KGAIN
2$16,451$3,177.65$12,399$530.97+$4.1KGAIN
3$23,935$6,332.95$13,993$726.13+$9.9KGAIN
4$39,458$13,847.20$15,975$1,002.53+$23.5KGAIN
5$76,525$34,305.35$18,493$1,400.18+$58.0KGAIN
6$181,867$99,985.28$21,771$1,982.98+$160.1KGAIN
7$551,697$357,099.04$26,150$2,855.84+$525.5KGAIN
8$2,218,251$1,627,935.73$32,178$4,196.60+$2.19MGAIN
9$12,210,237$9,836,707.55$40,747$6,317.25+$12.17MGAIN
10$94,435,145$81,370,192.12$53,386$9,786.53+$94.38MGAIN

GAIN vs SJW: Complete Analysis 2026

GAINBDC

Gladstone Investment Corporation is business development company, specializes in lower middle market, mature stage, buyouts; refinancing existing debt; senior debt securities such as senior loans, senior term loans, lines of credit, and senior notes; senior subordinated debt securities such as senior subordinated loans and senior subordinated notes; junior subordinated debt securities such as subordinated notes and mezzanine loans; limited liability company interests, and warrants or options. The fund does not invest in start-ups. The fund seeks to invest in manufacturing, consumer products and business/consumer services sector. It seeks to invest in small and mid-sized companies based in the United States. The fund prefers to make debt investments between $5 million and $30 million and equity investments between $10 million and $40 million in companies. The fund seeks to invest in companies with revenue between $20 million and $100 million. The fund invests in companies with EBITDA from $3 million to $20 million. It seeks minority equity ownership and prefers to hold a board seat in its portfolio companies. It also prefers to take majority stake in its portfolio companies. The fund typically holds the investments for seven years and exits via sale or recapitalization, initial public offering, or sale to third party.

Full GAIN Calculator →

SJWUtilities

SJW Group, through its subsidiaries, provides water utility services in the United States. It engages in the production, purchase, storage, purification, distribution, wholesale, and retail sale of water and wastewater services. The company also provides non-tariffed services, including water system operations, maintenance agreements, and antenna site leases; contracted services and sewer operations to water utilities; and a Linebacker protection plan for public drinking water customers in Connecticut and Maine. Its water supply consists of groundwater from wells, surface water from watershed run-off and diversion, reclaimed water, and imported water purchased from the Santa Clara Valley Water District. The company offers water service to approximately 231,000 connections that serve approximately one million people residing in portions of the cities of San Jose and Cupertino, as well as in the cities of Campbell, Monte Sereno, Saratoga, and the Town of Los Gatos; and adjacent unincorporated territories in the County of Santa Clara in the State of California. In addition, it provides water service to approximately 140,000 connections, which serve approximately 456,000 people in 81 municipalities with a service area comprising approximately 269 square miles throughout Connecticut and Maine, as well as approximately 24,000 connections that serve approximately 70,000 people in a service area comprising approximately 266 square miles in the region between San Antonio and Austin, Texas; and approximately 3,000 wastewater connections in Southbury, Connecticut. Further, the company owns undeveloped land in California and Tennessee; and owns and operates commercial buildings and warehouse properties in Tennessee. The company was formerly known as SJW Corp. and changed its name to SJW Group in November 2016. SJW Group was incorporated in 1985 and is headquartered in San Jose, California.

Full SJW 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.