HomeCompareIRT vs UNH

IRT vs UNH: Dividend Comparison 2026

IRT yields 4.59% · UNH yields 3.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UNH wins by $18.96M in total portfolio value
10 years
IRT
IRT
● Live price
4.59%
Share price
$14.81
Annual div
$0.68
5Y div CAGR
10.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$1,914.49
Full IRT calculator →
UNH
UNH
● Live price
3.38%
Share price
$261.79
Annual div
$8.84
5Y div CAGR
79.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$18.99M
Annual income
$16,260,594.37
Full UNH calculator →

Portfolio growth — IRT vs UNH

📍 UNH 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 PeriodIRTUNH
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, IRT + UNH cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IRT
Annual income on $10K today (after 15% tax)
$390.28/yr
After 10yr DRIP, annual income (after tax)
$1,627.32/yr
UNH
Annual income on $10K today (after 15% tax)
$287.02/yr
After 10yr DRIP, annual income (after tax)
$13,821,505.21/yr
At 15% tax rate, UNH beats the other by $13,819,877.90/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IRT + UNH for your $10,000?

IRT: 50%UNH: 50%
100% UNH50/50100% IRT
Portfolio after 10yr
$9.51M
Annual income
$8,131,254.42/yr
Blended yield
85.49%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNH right now

IRT
Analyst Ratings
19
Buy
8
Hold
Consensus: Buy
Price Target
$20.08
+35.6% upside vs current
Range: $18.00 — $22.00
Altman Z
0.7
Piotroski
6/9
UNH
Analyst Ratings
1
Strong
40
Buy
7
Hold
4
Sell
Consensus: Buy
Price Target
$385.38
+47.2% upside vs current
Range: $327.00 — $444.00
Altman Z
2.7
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)

IRT buys
0
UNH buys
0
No recent congressional trades found for IRT or UNH in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRTUNH
Forward yield4.59%3.38%
Annual dividend / share$0.68$8.84
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%79.5%
Portfolio after 10y$33.3K$18.99M
Annual income after 10y$1,914.49$16,260,594.37
Total dividends collected$10.7K$18.74M
Payment frequencyquarterlyquarterly
SectorREITHealthcare
Analyst consensusBuyBuy
Analyst price target$20.08$385.38

Year-by-year: IRT vs UNH ($10,000, DRIP)

YearIRT PortfolioIRT Income/yrUNH PortfolioUNH Income/yrGap
1← crossover$11,206$505.52$11,306$606.13$100.00UNH
2$12,573$582.88$13,247$1,149.63$674.00UNH
3$14,126$672.95$16,434$2,259.69$2.3KUNH
4$15,893$777.98$22,287$4,702.77$6.4KUNH
5$17,906$900.64$34,546$10,699.03$16.6KUNH
6$20,203$1,044.12$64,786$27,820.89$44.6KUNH
7$22,830$1,212.23$156,844$87,523.85$134.0KUNH
8$25,837$1,409.50$523,289$355,465.62$497.5KUNH
9$29,287$1,641.41$2,549,451$1,989,531.59$2.52MUNH
10$33,252$1,914.49$18,988,507$16,260,594.37$18.96MUNH

IRT vs UNH: Complete Analysis 2026

IRTREIT

Independence Realty Trust, Inc. (NYSE: IRT) is a real estate investment trust that owns and operates multifamily apartment properties across non-gateway U.S. markets, including Atlanta, Louisville, Memphis, and Raleigh. IRT's investment strategy is focused on gaining scale within key amenity rich submarkets that offer good school districts, high-quality retail and major employment centers. IRT aims to provide stockholders attractive risk-adjusted returns through diligent portfolio management, strong operational performance, and a consistent return on capital through distributions and capital appreciation.

Full IRT Calculator →

UNHHealthcare

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

Full UNH Calculator →
📬

Get this IRT vs UNH comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IRT vs SCHDIRT vs JEPIIRT vs OIRT vs KOIRT 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.