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MA vs UNP: Dividend Comparison 2026

MA yields 0.64% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MA wins by $427.3K in total portfolio value· pulled ahead in Year 6
10 years
MA
MA
● Live price
0.64%
Share price
$494.00
Annual div
$3.15
5Y div CAGR
91.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$497.2K
Annual income
$341,049.48
Full MA calculator →
UNP
UNP
● Live price
2.29%
Share price
$239.23
Annual div
$5.48
5Y div CAGR
40.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$69.9K
Annual income
$18,474.89
Full UNP calculator →

Portfolio growth — MA vs UNP

📍 MA pulled ahead of the other in Year 6

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 PeriodMAUNP
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, MA + UNP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MA
Annual income on $10K today (after 15% tax)
$54.20/yr
After 10yr DRIP, annual income (after tax)
$289,892.06/yr
UNP
Annual income on $10K today (after 15% tax)
$194.71/yr
After 10yr DRIP, annual income (after tax)
$15,703.66/yr
At 15% tax rate, MA beats the other by $274,188.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MA + UNP for your $10,000?

MA: 50%UNP: 50%
100% UNP50/50100% MA
Portfolio after 10yr
$283.6K
Annual income
$179,762.19/yr
Blended yield
63.39%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MA right now

MA
Analyst Ratings
1
Strong
51
Buy
12
Hold
Consensus: Buy
Price Target
$667.33
+35.1% upside vs current
Range: $610.00 — $739.00
Altman Z
9.7
Piotroski
8/9
UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
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)

MA buys
8
UNP buys
7
PoliticianChamberTickerTypeAmountDate
Sheldon Whitehouse🏛 Senate$MA▼ Sell$1,001 - $15,0002026-02-23
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Markwayne Mullin🏛 Senate$MA▲ Buy$50,001 - $100,0002025-12-29
Markwayne Mullin🏛 Senate$MA▲ Buy$50,001 - $100,0002025-12-29
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-11-13
Michael McCaul🏢 House$MA▼ Sell$1,001 - $15,0002025-10-27
Gilbert Cisneros🏢 House$MA▲ Buy$1,001 - $15,0002025-10-17
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMAUNP
Forward yield0.64%2.29%
Annual dividend / share$3.15$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR91.8%40.9%
Portfolio after 10y$497.2K$69.9K
Annual income after 10y$341,049.48$18,474.89
Total dividends collected$463.2K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$667.33$276.57

Year-by-year: MA vs UNP ($10,000, DRIP)

YearMA PortfolioMA Income/yrUNP PortfolioUNP Income/yrGap
1$10,822$122.30$11,023$322.76$201.00UNP
2$11,817$237.26$12,263$468.48$446.00UNP
3$13,109$464.38$13,808$686.31$699.00UNP
4$14,950$923.39$15,792$1,017.59$842.00UNP
5$17,884$1,887.66$18,430$1,532.54$546.00UNP
6← crossover$23,183$4,047.78$22,075$2,355.20+$1.1KMA
7$34,212$9,405.89$27,335$3,714.82+$6.9KMA
8$61,488$24,880.97$35,306$6,057.38+$26.2KMA
9$145,949$80,157.01$48,080$10,302.43+$97.9KMA
10$497,215$341,049.48$69,920$18,474.89+$427.3KMA

MA vs UNP: Complete Analysis 2026

MAFinancials

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

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UNPStock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

Full UNP 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.