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NI vs TEF: Dividend Comparison 2026

NI yields 2.45% · TEF yields 9.19%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 NI wins by $6.1K in total portfolio value· pulled ahead in Year 4
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 →
TEF
TEF
● Live price
9.19%
Share price
$3.81
Annual div
$0.35
5Y div CAGR
-41.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.9K
Annual income
$4.56
Full TEF calculator →

Portfolio growth — NI vs TEF

📍 NI 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 PeriodNITEF
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, NI + TEF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
NI pays
TEF 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
TEF
Annual income on $10K today (after 15% tax)
$780.84/yr
After 10yr DRIP, annual income (after tax)
$3.88/yr
At 15% tax rate, NI beats the other by $1,084.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NI: 50%TEF: 50%
100% TEF50/50100% NI
Portfolio after 10yr
$25.0K
Annual income
$642.29/yr
Blended yield
2.57%
📊

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
TEF
Analyst Ratings
8
Buy
7
Hold
5
Sell
Consensus: Buy
Altman Z
0.7
Piotroski
3/9
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
5
TEF buys
0
PoliticianChamberTickerTypeAmountDate
Dan Newhouse🏢 House$NI▼ Sell$1,001 - $15,0002025-04-11
Ro Khanna🏢 House$NI▲ Buy$1,001 - $15,0002024-09-03
Dan Newhouse🏢 House$NI▲ Buy$1,001 - $15,0002024-04-10
Mo Brooks🏢 House$NI▲ Buy$1,001 - $15,0002022-07-13
Lois Frankel🏢 House$NI▼ Sell$1,001 - $15,0002021-03-19
Dean Phillips🏢 House$NI▼ Sell$1,001 - $15,0002020-12-18
Dean Phillips🏢 House$NI▼ Sell$1,001 - $15,0002020-05-13
Dean Phillips🏢 House$NI▲ Buy$1,001 - $15,0002020-04-02
Lois Frankel🏢 House$NI▲ Buy$1,001 - $15,0002019-12-06
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNITEF
Forward yield2.45%9.19%
Annual dividend / share$1.14$0.35
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.4%-41.8%
Portfolio after 10y$28.0K$21.9K
Annual income after 10y$1,280.01$4.56
Total dividends collected$6.6K$1.3K
Payment frequencyquarterlyquarterly
SectorUtilitiesStock
Analyst consensusBuyBuy

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

YearNI PortfolioNI Income/yrTEF PortfolioTEF Income/yrGap
1$10,980$280.46$11,235$534.65$255.00TEF
2$12,078$329.26$12,348$326.71$270.00TEF
3$13,311$387.23$13,407$195.31$96.00TEF
4← crossover$14,699$456.27$14,461$115.35+$238.00NI
5$16,267$538.69$15,541$67.68+$726.00NI
6$18,043$637.37$16,669$39.56+$1.4KNI
7$20,062$755.85$17,859$23.08+$2.2KNI
8$22,364$898.54$19,122$13.45+$3.2KNI
9$25,001$1,070.96$20,469$7.83+$4.5KNI
10$28,031$1,280.01$21,906$4.56+$6.1KNI

NI vs TEF: 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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TEFStock

Telefónica, S.A., together with its subsidiaries, provides telecommunications services in Europe and Latin America. The company's mobile and related services and products comprise mobile voice, value added, mobile data and Internet, wholesale, corporate, roaming, fixed wireless, and trunking and paging services. Its fixed telecommunication services include PSTN lines; ISDN accesses; public telephone services; local, domestic, and international long-distance and fixed-to-mobile communications; corporate communications; supplementary value-added services; video telephony; intelligent network; and telephony information services, as well as leases and sells handset equipment. The company also provides Internet and broadband multimedia services comprising Internet service provider, portal and network, retail and wholesale broadband access, narrowband switched access, high-speed Internet through fibre to the home, and voice over Internet protocol services. In addition, it offers leased line, virtual private network, fibre optics, web hosting and application, outsourcing and consultancy, desktop, and system integration and professional services. Further, the company offers wholesale services for telecommunication operators, including domestic interconnection and international wholesale services; leased lines for other operators; and local loop leasing services, as well as bit stream services, wholesale line rental accesses, and leased ducts for other operators' fiber deployment. Additionally, it provides video/TV services; smart connectivity and services, and consumer IoT products; financial and other payment, security, cloud computing, advertising, big data, and digital telco experience services; virtual assistants; digital home platforms; and Movistar Home devices. It also offers online telemedicine, home insurance, music streaming, and consumer loan services. The company was incorporated in 1924 and is headquartered in Madrid, Spain.

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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.