HomeComparePFLT vs SJW

PFLT vs SJW: Dividend Comparison 2026

PFLT yields 15.85% · SJW yields 2.99%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PFLT wins by $25.0K in total portfolio value
10 years
PFLT
PFLT
● Live price
15.85%
Share price
$7.76
Annual div
$1.23
5Y div CAGR
5.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.4K
Annual income
$9,644.04
Full PFLT 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 — PFLT vs SJW

📍 PFLT 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 PeriodPFLTSJW
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, PFLT + SJW cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PFLT pays
SJW pays
Both pay
Neither
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Tax Bracket Optimizer

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

PFLT
Annual income on $10K today (after 15% tax)
$1,347.29/yr
After 10yr DRIP, annual income (after tax)
$8,197.43/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 $121.12/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PFLT: 50%SJW: 50%
100% SJW50/50100% PFLT
Portfolio after 10yr
$65.9K
Annual income
$9,715.28/yr
Blended yield
14.74%
📊

Analyst Conviction Gap

Where Wall Street is split right now

PFLT
Analyst Ratings
5
Buy
5
Hold
Consensus: Buy
Price Target
$10.00
+28.9% upside vs current
Range: $9.50 — $10.50
Altman Z
0.3
Piotroski
4/9
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)

PFLT buys
0
SJW buys
0
No recent congressional trades found for PFLT or SJW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPFLTSJW
Forward yield15.85%2.99%
Annual dividend / share$1.23$1.64
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR5.7%30.9%
Portfolio after 10y$78.4K$53.4K
Annual income after 10y$9,644.04$9,786.53
Total dividends collected$47.2K$29.2K
Payment frequencyquarterlyquarterly
SectorBDCUtilities
Analyst consensusBuyHold
Analyst price target$10.00$72.75

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

YearPFLT PortfolioPFLT Income/yrSJW PortfolioSJW Income/yrGap
1← crossover$12,375$1,675.40$11,091$391.32+$1.3KPFLT
2$15,290$2,048.18$12,399$530.97+$2.9KPFLT
3$18,860$2,499.79$13,993$726.13+$4.9KPFLT
4$23,226$3,046.02$15,975$1,002.53+$7.3KPFLT
5$28,558$3,705.62$18,493$1,400.18+$10.1KPFLT
6$35,058$4,500.87$21,771$1,982.98+$13.3KPFLT
7$42,970$5,458.17$26,150$2,855.84+$16.8KPFLT
8$52,586$6,608.75$32,178$4,196.60+$20.4KPFLT
9$64,257$7,989.52$40,747$6,317.25+$23.5KPFLT
10$78,399$9,644.04$53,386$9,786.53+$25.0KPFLT

PFLT vs SJW: Complete Analysis 2026

PFLTBDC

PennantPark Floating Rate Capital Ltd. is a business development company. It seeks to make secondary direct, debt, equity, and loan investments. The fund seeks to invest through floating rate loans in private or thinly traded or small market-cap, public middle market companies. It primarily invests in the United States and to a limited extent non-U.S. companies. The fund typically invests between $2 million and $20 million. The fund also invests in equity securities, such as preferred stock, common stock, warrants or options received in connection with debt investments or through direct investments. It primarily invests between $10 million and $50 million in investments in senior secured loans and mezzanine debt. It seeks to invest in companies not rated by national rating agencies. The companies if rated would be between BB and CCC under the Standard & Poor's system. The fund invests 30% is invested in non-qualifying assets like investments in public companies whose securities are not thinly traded or do not have a market capitalization of less than $250 million, securities of middle-market companies located outside of the United States, high-yield bonds, distressed debt, private equity, securities of public companies that are not thinly traded, and investment companies as defined in the 1940 Act. Under normal conditions, the fund expects atleast 80 percent of its net assets plus any borrowings for investment purposes to be invested in Floating Rate Loans and investments with similar economic characteristics, including cash equivalents invested in money market funds. It expects to represent 65 percent of its portfolio through senior secured loans. In case of floating rate loans, it holds investments for a period of three to ten years.

Full PFLT Calculator →

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.