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ILS vs CL: Dividend Comparison 2026

ILS yields 8.16% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $6.5K in total portfolio value· pulled ahead in Year 9
10 years
ILS
ILS
● Live price
8.16%
Share price
$19.77
Annual div
$1.61
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.3K
Annual income
$1,366.99
Full ILS calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — ILS vs CL

📍 CL pulled ahead of the other in Year 9

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 PeriodILSCL
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, ILS + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ILS
Annual income on $10K today (after 15% tax)
$693.53/yr
After 10yr DRIP, annual income (after tax)
$1,161.94/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, CL beats the other by $3,429.72/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ILS + CL for your $10,000?

ILS: 50%CL: 50%
100% CL50/50100% ILS
Portfolio after 10yr
$37.6K
Annual income
$3,384.47/yr
Blended yield
9.01%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

ILS
No analyst data
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
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)

ILS buys
0
CL buys
0
No recent congressional trades found for ILS or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricILSCL
Forward yield8.16%2.43%
Annual dividend / share$1.61$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%28.6%
Portfolio after 10y$34.3K$40.8K
Annual income after 10y$1,366.99$5,401.96
Total dividends collected$10.9K$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: ILS vs CL ($10,000, DRIP)

YearILS PortfolioILS Income/yrCL PortfolioCL Income/yrGap
1$11,516$815.91$11,012$312.01+$504.00ILS
2$13,200$878.13$12,196$412.95+$1.0KILS
3$15,065$940.71$13,599$549.66+$1.5KILS
4$17,123$1,003.36$15,288$736.64+$1.8KILS
5$19,387$1,065.82$17,353$995.28+$2.0KILS
6$21,872$1,127.82$19,926$1,357.80+$1.9KILS
7$24,592$1,189.14$23,194$1,873.82+$1.4KILS
8$27,563$1,249.56$27,439$2,621.52+$124.00ILS
9← crossover$30,802$1,308.90$33,088$3,727.38$2.3KCL
10$34,325$1,366.99$40,806$5,401.96$6.5KCL

ILS vs CL: Complete Analysis 2026

ILSStock

ILS is the first US-listed catastrophe bond ETF. It provides investors exposure to a non-correlated asset class through an actively managed portfolio of global catastrophe bonds. Catastrophe bonds, also known as Cat bonds, are financial instruments that transfer natural risk disasters from insurers to capital market investors. Insurers gain extra insurance protection while investors gain access to high yield returns. The fund exclusively holds high yield rated Cat bonds tied to natural disasters, called trigger events. These bonds may be issued by US and foreign insurers, reinsurers, governments, and special purpose vehicles (SPVs). It has no limit on the maturity of the securities, as well as to the type of natural catastrophes, geographic areas, or thresholds of economic or physical loss it can invest in. In selecting constituents, qualitative and quantitative elements are considered including peril type, geography, payout trigger, issuer, and risk-adjusted return potential.

Full ILS Calculator →

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.