HomeCompareIOUFF vs PEP

IOUFF vs PEP: Dividend Comparison 2026

IOUFF yields 1243.01% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IOUFF wins by $128705710.58M in total portfolio value
10 years
IOUFF
IOUFF
● Live price
1243.01%
Share price
$0.16
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$128705710.72M
Annual income
$111,120,135,187,325.02
Full IOUFF calculator →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — IOUFF vs PEP

📍 IOUFF 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 PeriodIOUFFPEP
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, IOUFF + PEP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IOUFF
Annual income on $10K today (after 15% tax)
$105,655.69/yr
After 10yr DRIP, annual income (after tax)
$94,452,114,909,226.27/yr
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, IOUFF beats the other by $94,452,114,856,631.95/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IOUFF + PEP for your $10,000?

IOUFF: 50%PEP: 50%
100% PEP50/50100% IOUFF
Portfolio after 10yr
$64352855.43M
Annual income
$55,560,067,624,600.35/yr
Blended yield
86.34%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

IOUFF
No analyst data
Altman Z
1.7
Piotroski
2/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
Piotroski
7/9
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)

IOUFF buys
0
PEP buys
0
No recent congressional trades found for IOUFF or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIOUFFPEP
Forward yield1243.01%3.63%
Annual dividend / share$2.00$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$128705710.72M$141.9K
Annual income after 10y$111,120,135,187,325.02$61,875.67
Total dividends collected$127399125.50M$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: IOUFF vs PEP ($10,000, DRIP)

YearIOUFF PortfolioIOUFF Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$135,001$124,300.81$10,849$509.42+$124.2KIOUFF
2$1,712,741$1,568,290.61$11,969$750.47+$1.70MIOUFF
3$20,427,720$18,595,086.80$13,500$1,124.14+$20.41MIOUFF
4$229,130,558$207,272,897.61$15,680$1,721.66+$229.11MIOUFF
5$2,417,980,210$2,172,810,513.19$18,929$2,715.34+$2417.96MIOUFF
6$24,016,529,967$21,429,291,141.44$24,023$4,450.80+$24016.51MIOUFF
7$224,619,103,924$198,921,416,859.28$32,510$7,669.92+$224619.07MIOUFF
8$1,979,080,651,152$1,738,738,209,953.57$47,709$14,093.60+$1979080.60MIOUFF
9$16,435,117,323,940$14,317,501,027,207.66$77,415$28,083.48+$16435117.25MIOUFF
10$128,705,710,723,941$111,120,135,187,325.02$141,922$61,875.67+$128705710.58MIOUFF

IOUFF vs PEP: Complete Analysis 2026

IOUFFStock

IOU Financial Inc., through its subsidiary, IOU Central Inc., operates an Internet-based commercial lending business in the United States. The company originates and sells commercial loans receivable; and services loans that are sold to institutional purchasers on a non-recourse basis. It serves medical and dental practices, grocery and retail stores, restaurant and hotel franchisees, and e-commerce companies. IOU Financial Inc. was founded in 1977 and is headquartered in Montreal, Canada.

Full IOUFF Calculator →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.