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KR vs COF: Dividend Comparison 2026

KR yields 1.86% · COF yields 1.57%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 KR wins by $3.23M in total portfolio value
10 years
KR
KR
● Live price
1.86%
Share price
$73.72
Annual div
$1.37
5Y div CAGR
96.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.92M
Annual income
$23,964,402.12
Full KR calculator →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — KR vs COF

📍 KR 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 PeriodKRCOF
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, KR + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

KR
Annual income on $10K today (after 15% tax)
$157.96/yr
After 10yr DRIP, annual income (after tax)
$20,369,741.80/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, KR beats the other by $2,427,955.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of KR + COF for your $10,000?

KR: 50%COF: 50%
100% COF50/50100% KR
Portfolio after 10yr
$25.30M
Annual income
$22,536,193.28/yr
Blended yield
89.06%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

KR
Analyst Ratings
21
Buy
17
Hold
6
Sell
Consensus: Buy
Price Target
$74.25
+0.7% upside vs current
Range: $68.00 — $82.00
Altman Z
3.6
Piotroski
7/9
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
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)

KR buys
0
COF buys
0
No recent congressional trades found for KR or COF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricKRCOF
Forward yield1.86%1.57%
Annual dividend / share$1.37$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR96.5%100%
Portfolio after 10y$26.92M$23.69M
Annual income after 10y$23,964,402.12$21,107,984.45
Total dividends collected$26.66M$23.46M
Payment frequencyquarterlyquarterly
SectorConsumer StaplesFinancials
Analyst consensusBuyBuy
Analyst price target$74.25$275.50

Year-by-year: KR vs COF ($10,000, DRIP)

YearKR PortfolioKR Income/yrCOF PortfolioCOF Income/yrGap
1← crossover$11,065$365.17$11,014$314.38+$51.00KR
2$12,582$742.05$12,433$647.23+$149.00KR
3$15,012$1,549.52$14,668$1,365.54+$344.00KR
4$19,458$3,395.26$18,707$3,011.43+$751.00KR
5$28,902$8,081.91$27,195$7,178.47+$1.7KKR
6$52,971$22,045.58$48,604$19,505.85+$4.4KKR
7$130,879$74,200.60$117,169$65,162.98+$13.7KKR
8$476,723$336,682.51$418,993$293,621.92+$57.7KKR
9$2,762,230$2,252,135.70$2,410,904$1,962,580.97+$351.3KKR
10$26,919,988$23,964,402.12$23,687,651$21,107,984.45+$3.23MKR

KR vs COF: Complete Analysis 2026

KRConsumer Staples

The Kroger Co. operates as a retailer in the United States. The company operates combination food and drug stores, multi-department stores, marketplace stores, and price impact warehouses. Its combination food and drug stores offer natural food and organic sections, pharmacies, general merchandise, pet centers, fresh seafood, and organic produce; and multi-department stores provide apparel, home fashion and furnishings, outdoor living, electronics, automotive products, and toys. The company's marketplace stores offer full-service grocery, pharmacy, health and beauty care, and perishable goods, as well as general merchandise, including apparel, home goods, and toys; and price impact warehouse stores provide grocery, and health and beauty care items, as well as meat, dairy, baked goods, and fresh produce items. It also manufactures and processes food products for sale in its supermarkets and online; and sells fuel through 1,613 fuel centers. As of January 29, 2022, the company operated 2,726 supermarkets under various banner names in 35 states and the District of Columbia. The Kroger Co. was founded in 1883 and is based in Cincinnati, Ohio.

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COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Full COF 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.