HomeCompareINS vs SPHD

INS vs SPHD: Dividend Comparison 2026

INS yields 6.28% · SPHD yields 4.30%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $5.7K in total portfolio value
10 years
INS
INS
● Live price
6.28%
Share price
$40.15
Annual div
$2.52
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.8K
Annual income
$0.65
Full INS calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — INS vs SPHD

📍 SPHD 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 PeriodINSSPHD
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, INS + SPHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

INS
Annual income on $10K today (after 15% tax)
$533.50/yr
After 10yr DRIP, annual income (after tax)
$0.55/yr
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, SPHD beats the other by $481.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

INS: 50%SPHD: 50%
100% SPHD50/50100% INS
Portfolio after 10yr
$23.6K
Annual income
$284.00/yr
Blended yield
1.20%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on INS right now

INS
Analyst Ratings
1
Buy
1
Hold
Consensus: Buy
Altman Z
15.8
Piotroski
7/9
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)

INS buys
0
SPHD buys
0
No recent congressional trades found for INS or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricINSSPHD
Forward yield6.28%4.30%
Annual dividend / share$2.52$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0%
Portfolio after 10y$20.8K$26.5K
Annual income after 10y$0.65$567.37
Total dividends collected$639.00$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearINS PortfolioINS Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,014$313.82$11,130$430.50$116.00SPHD
2$11,946$161.51$12,357$447.82$411.00SPHD
3$12,864$81.86$13,687$464.65$823.00SPHD
4$13,806$41.19$15,126$480.98$1.3KSPHD
5$14,793$20.66$16,682$496.78$1.9KSPHD
6$15,839$10.34$18,362$512.03$2.5KSPHD
7$16,953$5.18$20,174$526.72$3.2KSPHD
8$18,142$2.59$22,127$540.84$4.0KSPHD
9$19,414$1.29$24,230$554.39$4.8KSPHD
10$20,773$0.65$26,493$567.37$5.7KSPHD

INS vs SPHD: Complete Analysis 2026

INSStock

CoreCard Corporation, through its subsidiary, CoreCard Software, Inc., provides technology solutions and processing services to the financial technology and services market in the United States and European Union. The company designs, develops, and markets a suite of software solutions to program managers, accounts receivable businesses, financial institutions, retailers, and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, loyalty programs, and accounts receivable and loan transactions. Its software solutions allow companies to offer various types of debit and credit cards, as well as installment and revolving loans; set up and maintain account data; record advances and payments; assess fees, interests, and other charges; resolve disputes and chargebacks; manage collections of accounts receivable; generate reports; and settle transactions with financial institutions and network associations. The company was formerly known as Intelligent Systems Corporation and changed its name to CoreCard Corporation in December 2021. CoreCard Corporation was founded in 1973 and is headquartered in Norcross, Georgia.

Full INS Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD Calculator →
📬

Get this INS vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

INS vs SCHDINS vs JEPIINS vs OINS vs KOINS 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.