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MS vs SAP: Dividend Comparison 2026

MS yields 2.48% · SAP yields 1.76%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MS wins by $167.37M in total portfolio value
10 years
MS
MS
● Live price
2.48%
Share price
$158.32
Annual div
$3.93
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.43M
Annual income
$155,391,640.16
Full MS calculator →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — MS vs SAP

📍 MS 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 PeriodMSSAP
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, MS + SAP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MS
Annual income on $10K today (after 15% tax)
$210.73/yr
After 10yr DRIP, annual income (after tax)
$132,082,894.14/yr
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, MS beats the other by $132,070,257.93/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MS + SAP for your $10,000?

MS: 50%SAP: 50%
100% SAP50/50100% MS
Portfolio after 10yr
$83.75M
Annual income
$77,703,253.14/yr
Blended yield
92.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MS right now

MS
Analyst Ratings
27
Buy
24
Hold
Consensus: Buy
Price Target
$196.00
+23.8% upside vs current
Range: $165.00 — $220.00
Altman Z
0.4
Piotroski
6/9
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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)

MS buys
0
SAP buys
0
No recent congressional trades found for MS or SAP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMSSAP
Forward yield2.48%1.76%
Annual dividend / share$3.93$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%43.3%
Portfolio after 10y$167.43M$60.2K
Annual income after 10y$155,391,640.16$14,866.12
Total dividends collected$166.51M$36.3K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$196.00$415.33

Year-by-year: MS vs SAP ($10,000, DRIP)

YearMS PortfolioMS Income/yrSAP PortfolioSAP Income/yrGap
1← crossover$11,196$495.85$10,953$252.90+$243.00MS
2$13,017$1,037.65$12,091$370.97+$926.00MS
3$16,183$2,255.06$13,485$548.42+$2.7KMS
4$22,557$5,240.32$15,249$819.21+$7.3KMS
5$37,788$13,652.33$17,556$1,240.57+$20.2KMS
6$83,183$42,749.57$20,698$1,912.91+$62.5KMS
7$264,902$175,896.68$25,168$3,020.33+$239.7KMS
8$1,330,469$1,047,023.74$31,848$4,918.38+$1.30MMS
9$11,252,891$9,829,288.79$42,412$8,335.30+$11.21MMS
10$167,432,233$155,391,640.16$60,247$14,866.12+$167.37MMS

MS vs SAP: Complete Analysis 2026

MSFinancials

Morgan Stanley, a financial holding company, provides various financial products and services to corporations, governments, financial institutions, and individuals in the Americas, Europe, the Middle East, Africa, and Asia. It operates through Institutional Securities, Wealth Management, and Investment Management segments. The Institutional Securities segment offers capital raising and financial advisory services, including services related to the underwriting of debt, equity, and other securities, as well as advice on mergers and acquisitions, restructurings, real estate, and project finance. This segment also provides sales and trading services, such as sales, financing, prime brokerage, and market-making services in equity and fixed income products consisting of foreign exchange and commodities; corporate and commercial real estate loans, which provides secured lending facilities and financing for sales and trading customers, and asset-backed and mortgage lending; and wealth management services, investment, and research services. The Wealth Management segment offers financial advisor-led brokerage and investment advisory services; self-directed brokerage services; financial and wealth planning services; workplace services, including stock plan administration; annuity and insurance products; securities-based lending, residential real estate loans, and other lending products; banking; and retirement plan services to individual investors and small to medium-sized businesses and institutions. The Investment Management segment provides equity, fixed income, liquidity, and alternative/other products to benefit/defined contribution plans, foundations, endowments, government entities, sovereign wealth funds, insurance companies, and third-party fund sponsors and corporations through institutional and intermediary channels. Morgan Stanley was founded in 1924 and is headquartered in New York, New York.

Full MS Calculator →

SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.