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MSFT vs PBFX: Dividend Comparison 2026

MSFT yields 0.97% · PBFX yields 74.55%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MSFT wins by $101.7K in total portfolio value· pulled ahead in Year 4
10 years
MSFT
Microsoft Corporation
● Live price
0.97%
Share price
$358.96
Annual div
$3.48
5Y div CAGR
62.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$137.1K
Annual income
$20,242.28
Full MSFT calculator →
PBFX
PBFX
● Live price
74.55%
Share price
$19.90
Annual div
$14.83
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.4K
Annual income
$13.11
Full PBFX calculator →

Portfolio growth — MSFT vs PBFX

📍 MSFT pulled ahead of the other in Year 4

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 PeriodMSFTPBFX
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, MSFT + PBFX cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MSFT
Annual income on $10K today (after 15% tax)
$82.40/yr
After 10yr DRIP, annual income (after tax)
$17,205.94/yr
PBFX
Annual income on $10K today (after 15% tax)
$6,336.56/yr
After 10yr DRIP, annual income (after tax)
$11.14/yr
At 15% tax rate, MSFT beats the other by $17,194.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MSFT + PBFX for your $10,000?

MSFT: 50%PBFX: 50%
100% PBFX50/50100% MSFT
Portfolio after 10yr
$86.3K
Annual income
$10,127.70/yr
Blended yield
11.74%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MSFT right now

MSFT
Analyst Ratings
62
Buy
16
Hold
Consensus: Buy
Price Target
$583.67
+62.6% upside vs current
Range: $392.00 — $675.00
Altman Z
7.7
Piotroski
7/9
PBFX
Analyst Ratings
3
Buy
4
Hold
Consensus: Hold
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)

MSFT buys
0
PBFX buys
0
No recent congressional trades found for MSFT or PBFX in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMSFTPBFX
Forward yield0.97%74.55%
Annual dividend / share$3.48$14.83
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR62.9%-50%
Portfolio after 10y$137.1K$35.4K
Annual income after 10y$20,242.28$13.11
Total dividends collected$45.7K$9.3K
Payment frequencyquarterlyquarterly
SectorTechnologyStock
Analyst consensusBuyHold

Year-by-year: MSFT vs PBFX ($10,000, DRIP)

YearMSFT PortfolioMSFT Income/yrPBFX PortfolioPBFX Income/yrGap
1$12,368$157.93$14,427$3,727.39$2.1KPBFX
2$15,362$260.59$17,950$2,512.92$2.6KPBFX
3$19,189$431.83$20,668$1,460.99$1.5KPBFX
4← crossover$24,149$719.64$22,901$786.06+$1.2KMSFT
5$30,694$1,208.30$24,911$407.00+$5.8KMSFT
6$39,527$2,048.98$26,861$206.88+$12.7KMSFT
7$51,782$3,520.27$28,846$104.24+$22.9KMSFT
8$69,379$6,152.79$30,917$52.31+$38.5KMSFT
9$95,710$10,998.27$33,108$26.20+$62.6KMSFT
10$137,104$20,242.28$35,438$13.11+$101.7KMSFT

MSFT vs PBFX: Complete Analysis 2026

MSFTTechnology

Microsoft Corporation develops, licenses, and supports software, services, devices, and solutions worldwide. The company operates in three segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing. The Productivity and Business Processes segment offers Office, Exchange, SharePoint, Microsoft Teams, Office 365 Security and Compliance, Microsoft Viva, and Skype for Business; Skype, Outlook.com, OneDrive, and LinkedIn; and Dynamics 365, a set of cloud-based and on-premises business solutions for organizations and enterprise divisions. The Intelligent Cloud segment licenses SQL, Windows Servers, Visual Studio, System Center, and related Client Access Licenses; GitHub that provides a collaboration platform and code hosting service for developers; Nuance provides healthcare and enterprise AI solutions; and Azure, a cloud platform. It also offers enterprise support, Microsoft consulting, and nuance professional services to assist customers in developing, deploying, and managing Microsoft server and desktop solutions; and training and certification on Microsoft products. The More Personal Computing segment provides Windows original equipment manufacturer (OEM) licensing and other non-volume licensing of the Windows operating system; Windows Commercial, such as volume licensing of the Windows operating system, Windows cloud services, and other Windows commercial offerings; patent licensing; and Windows Internet of Things. It also offers Surface, PC accessories, PCs, tablets, gaming and entertainment consoles, and other devices; Gaming, including Xbox hardware, and Xbox content and services; video games and third-party video game royalties; and Search, including Bing and Microsoft advertising. The company sells its products through OEMs, distributors, and resellers; and directly through digital marketplaces, online stores, and retail stores. Microsoft Corporation was founded in 1975 and is headquartered in Redmond, Washington.

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PBFXStock

PBF Logistics LP owns, leases, acquires, develops, and operates crude oil and refined petroleum products terminals, pipelines, storage facilities, and other logistics assets in the United States. It operates in two segments, Transportation and Terminaling; and Storage. The company's assets include the DCR rail terminal, a double loop track with ancillary pumping and unloading equipment; the Toledo Truck Terminal, a crude truck unloading terminal; the DCR West Rack, a heavy crude oil rail unloading facility at the Delaware city refinery; and the Toledo storage facility, which includes a propane storage and loading facility. Its assets also comprise the DCR products pipeline, an interstate petroleum products pipeline; the DCR truck rack, a truck loading rack; the San Joaquin Valley pipeline system and Paulsboro natural gas pipeline; the Toledo rail products facility, a loading and unloading rail facility; the Chalmette truck rack, a truck loading rack facility; the Chalmette rosin yard, a rail yard facility; the Paulsboro lube oil terminal, a lube oil terminal facility; and the Delaware ethanol storage facility, an ethanol storage facility. In addition, the company is involved in receiving, handling, storing, and transferring crude oil, refined products, natural gas, and intermediates. PBF Logistics LP was founded in 2012 and is headquartered in Parsippany, New Jersey.

Full PBFX 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.