HomeCompareHD vs CF

HD vs CF: Dividend Comparison 2026

HD yields 2.85% · CF yields 1.45%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CF wins by $441.00 in total portfolio value· pulled ahead in Year 10
10 years
HD
HD
● Live price
2.85%
Share price
$323.50
Annual div
$9.23
5Y div CAGR
53.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$279.0K
Annual income
$142,668.82
Full HD calculator →
CF
CF
● Live price
1.45%
Share price
$137.55
Annual div
$2.00
5Y div CAGR
67.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$279.4K
Annual income
$157,141.85
Full CF calculator →

Portfolio growth — HD vs CF

📍 CF pulled ahead of the other in Year 10

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 PeriodHDCF
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, HD + CF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HD
Annual income on $10K today (after 15% tax)
$242.52/yr
After 10yr DRIP, annual income (after tax)
$121,268.50/yr
CF
Annual income on $10K today (after 15% tax)
$123.59/yr
After 10yr DRIP, annual income (after tax)
$133,570.57/yr
At 15% tax rate, CF beats the other by $12,302.08/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HD + CF for your $10,000?

HD: 50%CF: 50%
100% CF50/50100% HD
Portfolio after 10yr
$279.2K
Annual income
$149,905.34/yr
Blended yield
53.69%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HD right now

HD
Analyst Ratings
1
Strong
37
Buy
20
Hold
4
Sell
Consensus: Buy
Price Target
$408.08
+26.1% upside vs current
Range: $320.00 — $454.00
Altman Z
5.6
Piotroski
5/9
CF
Analyst Ratings
21
Buy
14
Hold
6
Sell
Consensus: Buy
Price Target
$91.71
-33.3% upside vs current
Range: $72.00 — $103.00
Altman Z
3.2
Piotroski
8/9
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)

HD buys
0
CF buys
0
No recent congressional trades found for HD or CF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHDCF
Forward yield2.85%1.45%
Annual dividend / share$9.23$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR53.4%67.5%
Portfolio after 10y$279.0K$279.4K
Annual income after 10y$142,668.82$157,141.85
Total dividends collected$244.1K$247.3K
Payment frequencyquarterlyquarterly
SectorConsumer DiscretionaryMaterials
Analyst consensusBuyBuy
Analyst price target$408.08$91.71

Year-by-year: HD vs CF ($10,000, DRIP)

YearHD PortfolioHD Income/yrCF PortfolioCF Income/yrGap
1$11,138$437.68$10,944$243.55+$194.00HD
2$12,616$698.86$12,127$417.23+$489.00HD
3$14,634$1,134.92$13,699$723.76+$935.00HD
4$17,546$1,887.33$15,938$1,279.91+$1.6KHD
5$22,018$3,244.11$19,385$2,331.05+$2.6KHD
6$29,396$5,836.38$25,180$4,438.20+$4.2KHD
7$42,625$11,170.93$35,967$9,024.64+$6.7KHD
8$68,831$23,222.23$58,665$20,179.55+$10.2KHD
9$127,410$53,760.90$114,295$51,524.02+$13.1KHD
10← crossover$278,997$142,668.82$279,438$157,141.85$441.00CF

HD vs CF: Complete Analysis 2026

HDConsumer Discretionary

The Home Depot, Inc. operates as a home improvement retailer. It operates The Home Depot stores that sell various building materials, home improvement products, lawn and garden products, and décor products, as well as facilities maintenance, repair, and operations products The company also offers installation services for flooring, cabinets and cabinet makeovers, countertops, furnaces and central air systems, and windows. In addition, it provides tool and equipment rental services. The company primarily serves homeowners; and professional renovators/remodelers, general contractors, maintenance professionals, handymen, property managers, building service contractors, and specialty tradesmen, such as electricians, plumbers, and painters. It also sells its products through websites, including homedepot.com; blinds.com, an online site for custom window coverings; and thecompanystore.com, an online site for textiles and décor products. As of December 31, 2021, the company operated 2,317 stores in the United States. The Home Depot, Inc. was incorporated in 1978 and is based in Atlanta, Georgia.

Full HD Calculator →

CFMaterials

CF Industries Holdings, Inc. manufactures and sells hydrogen and nitrogen products for energy, fertilizer, emissions abatement, and other industrial activities worldwide. Its principal products include anhydrous ammonia, granular urea, urea ammonium nitrate, and ammonium nitrate products. The company also offers diesel exhaust fluid, urea liquor, nitric acid, and aqua ammonia products; and compound fertilizer products with nitrogen, phosphorus, and potassium. It primarily serves cooperatives, independent fertilizer distributors, traders, wholesalers, and industrial users. The company was founded in 1946 and is headquartered in Deerfield, Illinois.

Full CF Calculator →
📬

Get this HD vs CF comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HD vs SCHDHD vs JEPIHD vs OHD vs KOHD vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.