HomeComparePAYX vs MOS

PAYX vs MOS: Dividend Comparison 2026

PAYX yields 4.64% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $926.49M in total portfolio value· pulled ahead in Year 2
10 years
PAYX
PAYX
● Live price
4.64%
Share price
$93.12
Annual div
$4.32
5Y div CAGR
62.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.55M
Annual income
$2,654,302.74
Full PAYX calculator →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — PAYX vs MOS

📍 MOS pulled ahead of the other in Year 2

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodPAYXMOS
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, PAYX + MOS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PAYX
Annual income on $10K today (after 15% tax)
$394.33/yr
After 10yr DRIP, annual income (after tax)
$2,256,157.33/yr
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $747,403,075.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PAYX + MOS for your $10,000?

PAYX: 50%MOS: 50%
100% MOS50/50100% PAYX
Portfolio after 10yr
$466.80M
Annual income
$442,303,170.66/yr
Blended yield
94.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MOS right now

PAYX
Analyst Ratings
4
Buy
20
Hold
6
Sell
Consensus: Hold
Price Target
$117.00
+25.6% upside vs current
Range: $98.00 — $135.00
Altman Z
2.6
Piotroski
6/9
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
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)

PAYX buys
0
MOS buys
0
No recent congressional trades found for PAYX or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPAYXMOS
Forward yield4.64%3.52%
Annual dividend / share$4.32$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR62.1%100%
Portfolio after 10y$3.55M$930.05M
Annual income after 10y$2,654,302.74$881,952,038.58
Total dividends collected$3.45M$926.56M
Payment frequencyquarterlyquarterly
SectorTechnologyMaterials
Analyst consensusHoldHold
Analyst price target$117.00$33.80

Year-by-year: PAYX vs MOS ($10,000, DRIP)

YearPAYX PortfolioPAYX Income/yrMOS PortfolioMOS Income/yrGap
1$11,452$752.01$11,405$704.56+$47.00PAYX
2← crossover$13,558$1,304.68$13,705$1,501.91$147.00MOS
3$16,847$2,340.07$18,038$3,373.54$1.2KMOS
4$22,432$4,405.11$27,600$8,299.26$5.2KMOS
5$32,888$8,885.61$53,268$23,735.99$20.4KMOS
6$54,926$19,735.78$142,624$85,627.61$87.7KMOS
7$108,704$49,933.81$581,146$428,538.38$472.4KMOS
8$266,029$149,714.93$3,885,667$3,263,840.61$3.62MMOS
9$839,718$555,067.61$44,947,834$40,790,171.07$44.11MMOS
10$3,552,801$2,654,302.74$930,046,221$881,952,038.58$926.49MMOS

PAYX vs MOS: Complete Analysis 2026

PAYXTechnology

Paychex, Inc. provides integrated human capital management solutions for human resources (HR), payroll, benefits, and insurance services for small to medium-sized businesses in the United States, Europe, and India. It offers payroll processing services; payroll tax administration services; employee payment services; and regulatory compliance services, such as new-hire reporting and garnishment processing. The company also provides HR solutions, including payroll, employer compliance, HR and employee benefits administration, risk management outsourcing, and the on-site availability of a professionally trained HR representative; and retirement services administration, including plan implementation, ongoing compliance with government regulations, employee and employer reporting, participant and employer online access, electronic funds transfer, and other administrative services. In addition, it offers cloud-based HR administration software products for employee benefits management and administration, time and attendance, digital communication solutions, recruiting, and onboarding solutions; plan administration outsourcing and state unemployment insurance services; various business services to small to medium-sized businesses comprising payroll funding and outsourcing services, which include payroll processing, invoicing, and tax preparation; and payment processing services, financial fitness programs, and a small-business loan resource center. Further, the company provides insurance services for property and casualty coverage, such as workers' compensation, business-owner policies, cyber security protection, and commercial auto, as well as health and benefits coverage, including health, dental, vision, and life. It markets and sells its services primarily through its direct sales force. The company was founded in 1971 and is headquartered in Rochester, New York.

Full PAYX Calculator →

MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS 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.