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NTOIF vs CL: Dividend Comparison 2026

NTOIF yields 0.54% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $21.0K in total portfolio value
10 years
NTOIF
NTOIF
● Live price
0.54%
Share price
$32.00
Annual div
$0.17
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.8K
Annual income
$0.05
Full NTOIF calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — NTOIF vs CL

📍 CL 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 PeriodNTOIFCL
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, NTOIF + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NTOIF
Annual income on $10K today (after 15% tax)
$45.63/yr
After 10yr DRIP, annual income (after tax)
$0.04/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, CL beats the other by $4,591.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NTOIF + CL for your $10,000?

NTOIF: 50%CL: 50%
100% CL50/50100% NTOIF
Portfolio after 10yr
$30.3K
Annual income
$2,701.01/yr
Blended yield
8.92%
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Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

NTOIF
Analyst Ratings
1
Hold
Consensus: Hold
Altman Z
3.7
Piotroski
6/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
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)

NTOIF buys
0
CL buys
0
No recent congressional trades found for NTOIF or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNTOIFCL
Forward yield0.54%2.43%
Annual dividend / share$0.17$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%28.6%
Portfolio after 10y$19.8K$40.8K
Annual income after 10y$0.05$5,401.96
Total dividends collected$54.00$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: NTOIF vs CL ($10,000, DRIP)

YearNTOIF PortfolioNTOIF Income/yrCL PortfolioCL Income/yrGap
1← crossover$10,727$26.84$11,012$312.01$285.00CL
2$11,491$13.45$12,196$412.95$705.00CL
3$12,302$6.74$13,599$549.66$1.3KCL
4$13,167$3.37$15,288$736.64$2.1KCL
5$14,090$1.69$17,353$995.28$3.3KCL
6$15,077$0.84$19,926$1,357.80$4.8KCL
7$16,133$0.42$23,194$1,873.82$7.1KCL
8$17,263$0.21$27,439$2,621.52$10.2KCL
9$18,471$0.11$33,088$3,727.38$14.6KCL
10$19,764$0.05$40,806$5,401.96$21.0KCL

NTOIF vs CL: Complete Analysis 2026

NTOIFStock

Neste Oyj provides renewable and oil products in Finland and other Nordic countries, Baltic Rim, other European countries, North and South America, and internationally. The company operates in four segments: Renewable Products, Oil Products, Marketing & Services, and Others. The Renewable Products segment produces, markets, and sells renewable diesel, renewable jet fuels and solutions, and renewable solvents, as well as raw material for bioplastics based on its technology to wholesale markets. The Oil Products segment produces, markets, and sells diesel fuel, gasoline, aviation and marine fuels, light and heavy fuel oils, base oils, gasoline components, small engine gasoline, solvents, liquid gases, and bitumen. This segment serves retailers and distributors, oil majors and trading companies, petrochemicals companies, and companies marketing lubricants and solvents. The Marketing & Services segment markets and sells petroleum products and associated services to private motorists, industry, transport companies, farmers, and heating oil customers through a network of 947 service stations, as well as direct sales. The Others segment offers engineering and technology solutions. The company also manufactures raw materials for polymers and chemicals materials. The company was formerly known as Neste Oil Oyj and changed its name to Neste Oyj in June 2015. Neste Oyj was founded in 1948 and is headquartered in Espoo, Finland.

Full NTOIF Calculator →

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.