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IBM vs MOS: Dividend Comparison 2026

IBM yields 2.83% · MOS yields 3.52%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $930.02M in total portfolio value
10 years
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 →
MOS
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 — IBM 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 PeriodIBMMOS
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, IBM + MOS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IBM
Annual income on $10K today (after 15% tax)
$240.76/yr
After 10yr DRIP, annual income (after tax)
$394.00/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 $749,658,838.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBM: 50%MOS: 50%
100% MOS50/50100% IBM
Portfolio after 10yr
$465.04M
Annual income
$440,976,251.05/yr
Blended yield
94.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on IBM right now

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
MOS
Analyst Ratings
15
Buy
27
Hold
7
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBM buys
0
MOS buys
0
No recent congressional trades found for IBM or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBMMOS
Forward yield2.83%3.52%
Annual dividend / share$6.72$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR3%100%
Portfolio after 10y$27.7K$930.05M
Annual income after 10y$463.53$881,952,038.58
Total dividends collected$3.7K$926.56M
Payment frequencyquarterlyquarterly
SectorTechnologyMaterials
Analyst consensusHoldHold
Analyst price target$349.50$33.80

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

YearIBM PortfolioIBM Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,132$291.74$11,405$704.56$273.00MOS
2$12,375$308.58$13,705$1,501.91$1.3KMOS
3$13,741$325.97$18,038$3,373.54$4.3KMOS
4$15,239$343.91$27,600$8,299.26$12.4KMOS
5$16,882$362.40$53,268$23,735.99$36.4KMOS
6$18,681$381.46$142,624$85,627.61$123.9KMOS
7$20,651$401.10$581,146$428,538.38$560.5KMOS
8$22,807$421.31$3,885,667$3,263,840.61$3.86MMOS
9$25,165$442.12$44,947,834$40,790,171.07$44.92MMOS
10$27,743$463.53$930,046,221$881,952,038.58$930.02MMOS

IBM vs MOS: Complete Analysis 2026

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 →

MOSMaterials

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.