HomeCompareNI vs SJW

NI vs SJW: Dividend Comparison 2026

NI yields 2.45% · SJW yields 2.99%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SJW wins by $25.4K in total portfolio value
10 years
NI
NI
● Live price
2.45%
Share price
$46.50
Annual div
$1.14
5Y div CAGR
14.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$1,280.01
Full NI calculator →
SJW
SJW
● Live price
2.99%
Share price
$54.86
Annual div
$1.64
5Y div CAGR
30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,786.53
Full SJW calculator →

Portfolio growth — NI vs SJW

📍 SJW 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 PeriodNISJW
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, NI + SJW cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NI
Annual income on $10K today (after 15% tax)
$208.39/yr
After 10yr DRIP, annual income (after tax)
$1,088.01/yr
SJW
Annual income on $10K today (after 15% tax)
$254.10/yr
After 10yr DRIP, annual income (after tax)
$8,318.55/yr
At 15% tax rate, SJW beats the other by $7,230.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NI + SJW for your $10,000?

NI: 50%SJW: 50%
100% SJW50/50100% NI
Portfolio after 10yr
$40.7K
Annual income
$5,533.27/yr
Blended yield
13.59%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NI right now

NI
Analyst Ratings
16
Buy
6
Hold
Consensus: Buy
Price Target
$47.50
+2.2% upside vs current
Range: $45.00 — $50.00
Altman Z
0.8
Piotroski
7/9
SJW
Analyst Ratings
5
Buy
6
Hold
Consensus: Hold
Price Target
$72.75
+32.6% upside vs current
Range: $57.00 — $85.00
Altman Z
2.7
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)

NI buys
0
SJW buys
0
No recent congressional trades found for NI or SJW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNISJW
Forward yield2.45%2.99%
Annual dividend / share$1.14$1.64
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.4%30.9%
Portfolio after 10y$28.0K$53.4K
Annual income after 10y$1,280.01$9,786.53
Total dividends collected$6.6K$29.2K
Payment frequencyquarterlyquarterly
SectorUtilitiesUtilities
Analyst consensusBuyHold
Analyst price target$47.50$72.75

Year-by-year: NI vs SJW ($10,000, DRIP)

YearNI PortfolioNI Income/yrSJW PortfolioSJW Income/yrGap
1← crossover$10,980$280.46$11,091$391.32$111.00SJW
2$12,078$329.26$12,399$530.97$321.00SJW
3$13,311$387.23$13,993$726.13$682.00SJW
4$14,699$456.27$15,975$1,002.53$1.3KSJW
5$16,267$538.69$18,493$1,400.18$2.2KSJW
6$18,043$637.37$21,771$1,982.98$3.7KSJW
7$20,062$755.85$26,150$2,855.84$6.1KSJW
8$22,364$898.54$32,178$4,196.60$9.8KSJW
9$25,001$1,070.96$40,747$6,317.25$15.7KSJW
10$28,031$1,280.01$53,386$9,786.53$25.4KSJW

NI vs SJW: Complete Analysis 2026

NIUtilities

NiSource Inc., an energy holding company, operates as a regulated natural gas and electric utility company in the United States. It operates through two segments, Gas Distribution Operations and Electric Operations. The company distributes natural gas to approximately 853,000 customers in northern Indiana, as well as approximately 2.4 million residential, commercial, and industrial customers in Ohio, Pennsylvania, Virginia, Kentucky, and Maryland. It operates approximately 54,600 miles of distribution main pipelines, as well as associated individual customer service lines; and 1,000 miles of transmission main pipelines. The company generates, transmits, and distributes electricity to approximately 483,000 customers in 20 counties in the northern part of Indiana, as well as engages in wholesale electric and transmission transactions. It owns and operates coal-fired electric generating stations with a capacity of 722 megawatts (MW) in Wheatfield and 455 MW in Michigan City; combined cycle gas turbine with a capacity of 563 MW in West Terre Haute; natural gas generating units with a capacity of 155 MW in Wheatfield; hydro generating plants with a capacity of 9 MW in Carroll County and 7 MW in White County; and wind generating units with a capacity of 102 MW and 302 MW in White County, Indiana. The company was formerly known as NIPSCO Industries, Inc. and changed its name to NiSource Inc. in April 1999. NiSource Inc. was founded in 1847 and is headquartered in Merrillville, Indiana.

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SJWUtilities

SJW Group, through its subsidiaries, provides water utility services in the United States. It engages in the production, purchase, storage, purification, distribution, wholesale, and retail sale of water and wastewater services. The company also provides non-tariffed services, including water system operations, maintenance agreements, and antenna site leases; contracted services and sewer operations to water utilities; and a Linebacker protection plan for public drinking water customers in Connecticut and Maine. Its water supply consists of groundwater from wells, surface water from watershed run-off and diversion, reclaimed water, and imported water purchased from the Santa Clara Valley Water District. The company offers water service to approximately 231,000 connections that serve approximately one million people residing in portions of the cities of San Jose and Cupertino, as well as in the cities of Campbell, Monte Sereno, Saratoga, and the Town of Los Gatos; and adjacent unincorporated territories in the County of Santa Clara in the State of California. In addition, it provides water service to approximately 140,000 connections, which serve approximately 456,000 people in 81 municipalities with a service area comprising approximately 269 square miles throughout Connecticut and Maine, as well as approximately 24,000 connections that serve approximately 70,000 people in a service area comprising approximately 266 square miles in the region between San Antonio and Austin, Texas; and approximately 3,000 wastewater connections in Southbury, Connecticut. Further, the company owns undeveloped land in California and Tennessee; and owns and operates commercial buildings and warehouse properties in Tennessee. The company was formerly known as SJW Corp. and changed its name to SJW Group in November 2016. SJW Group was incorporated in 1985 and is headquartered in San Jose, California.

Full SJW 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.