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MCO vs IBM: Dividend Comparison 2026

MCO yields 0.89% · IBM yields 2.83%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MCO wins by $179.4K in total portfolio value· pulled ahead in Year 5
10 years
MCO
MCO
● Live price
0.89%
Share price
$432.05
Annual div
$3.85
5Y div CAGR
74.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$207.2K
Annual income
$113,279.94
Full MCO calculator →
IBM
International Business Machines
● Live price
2.83%
Share price
$237.25
Annual div
$6.72
5Y div CAGR
3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$463.53
Full IBM calculator →

Portfolio growth — MCO vs IBM

📍 MCO pulled ahead of the other in Year 5

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 PeriodMCOIBM
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, MCO + IBM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MCO
Annual income on $10K today (after 15% tax)
$75.74/yr
After 10yr DRIP, annual income (after tax)
$96,287.95/yr
IBM
Annual income on $10K today (after 15% tax)
$240.76/yr
After 10yr DRIP, annual income (after tax)
$394.00/yr
At 15% tax rate, MCO beats the other by $95,893.95/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MCO + IBM for your $10,000?

MCO: 50%IBM: 50%
100% IBM50/50100% MCO
Portfolio after 10yr
$117.5K
Annual income
$56,871.73/yr
Blended yield
48.42%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on IBM right now

MCO
Analyst Ratings
18
Buy
13
Hold
1
Sell
Consensus: Buy
Price Target
$543.08
+25.7% upside vs current
Range: $480.00 — $620.00
Altman Z
5.3
Piotroski
8/9
IBM
Analyst Ratings
1
Strong
20
Buy
24
Hold
4
Sell
Consensus: Hold
Price Target
$349.50
+47.3% upside vs current
Range: $304.00 — $380.00
Altman Z
3.2
Piotroski
5/9
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)

MCO buys
0
IBM buys
0
No recent congressional trades found for MCO or IBM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMCOIBM
Forward yield0.89%2.83%
Annual dividend / share$3.85$6.72
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.8%3%
Portfolio after 10y$207.2K$27.7K
Annual income after 10y$113,279.94$463.53
Total dividends collected$178.5K$3.7K
Payment frequencyquarterlyquarterly
SectorFinancialsTechnology
Analyst consensusBuyHold
Analyst price target$543.08$349.50

Year-by-year: MCO vs IBM ($10,000, DRIP)

YearMCO PortfolioMCO Income/yrIBM PortfolioIBM Income/yrGap
1$10,856$155.76$11,132$291.74$276.00IBM
2$11,892$276.24$12,375$308.58$483.00IBM
3$13,219$494.35$13,741$325.97$522.00IBM
4$15,042$897.70$15,239$343.91$197.00IBM
5← crossover$17,763$1,668.77$16,882$362.40+$881.00MCO
6$22,226$3,219.45$18,681$381.46+$3.5KMCO
7$30,363$6,580.83$20,651$401.10+$9.7KMCO
8$47,175$14,686.41$22,807$421.31+$24.4KMCO
9$87,754$37,276.83$25,165$442.12+$62.6KMCO
10$207,177$113,279.94$27,743$463.53+$179.4KMCO

MCO vs IBM: Complete Analysis 2026

MCOFinancials

Moody's Corporation operates as an integrated risk assessment firm worldwide. It operates in two segments, Moody's Investors Service and Moody's Analytics. The Moody's Investors Service segment publishes credit ratings and provides assessment services on various debt obligations, programs and facilities, and entities that issue such obligations, such as various corporate, financial institution, and governmental obligations, as well as and structured finance securities. This segment provides ratings in approximately 140 countries. Its ratings are disseminated through press releases to the public through electronic media, including the internet and real-time information systems used by securities traders and investors. This segment has rated approximately 5,000 non-financial corporates; 3,600 financial institutions; 16,000 public finance issuers; 145 sovereigns; 47 supranational institutions; 459 sub-sovereigns; and 1,000 infrastructure and project finance issuers, as well as 9,100 structured finance deals. The Moody's Analytics segment develops a range of products and services that support the risk management activities of institutional participants in financial markets; and offers subscription based research, data, and analytical products comprising credit ratings, credit research, quantitative credit scores and other analytical tools, economic research and forecasts, business intelligence and company information products, commercial real estate data and analytical tools, and on-line and classroom-based training services, as well as credentialing and certification services. It also offers offshore analytical and research services with learning solutions and certification programs; and software solutions, as well as related risk management services. The company was formerly known as Dun and Bradstreet Company and changed its name to Moody's Corporation in September 2000. Moody's Corporation was founded in 1900 and is headquartered in New York, New York.

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IBMTechnology

International Business Machines Corporation provides integrated solutions and services worldwide. The company operates through four business segments: Software, Consulting, Infrastructure, and Financing. The Software segment offers hybrid cloud platform and software solutions, such as Red Hat, an enterprise open-source solutions; software for business automation, AIOps and management, integration, and application servers; data and artificial intelligence solutions; and security software and services for threat, data, and identity. This segment also provides transaction processing software that supports clients' mission-critical and on-premise workloads in banking, airlines, and retail industries. The Consulting segment offers business transformation services, including strategy, business process design and operations, data and analytics, and system integration services; technology consulting services; and application and cloud platform services. The Infrastructure segment provides on-premises and cloud-based server and storage solutions for its clients' mission-critical and regulated workloads; and support services and solutions for hybrid cloud infrastructure, as well as remanufacturing and remarketing services for used equipment. The Financing segment offers lease, installment payment, loan financing, and short-term working capital financing services. The company was formerly known as Computing-Tabulating-Recording Co. International Business Machines Corporation was incorporated in 1911 and is headquartered in Armonk, New York.

Full IBM 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.