HomeComparePRU vs COF

PRU vs COF: Dividend Comparison 2026

PRU yields 5.77% · COF yields 1.57%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.62M in total portfolio value· pulled ahead in Year 4
10 years
PRU
PRU
● Live price
5.77%
Share price
$94.48
Annual div
$5.45
5Y div CAGR
22.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$67.4K
Annual income
$12,459.19
Full PRU calculator →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — PRU vs COF

📍 COF pulled ahead of the other in Year 4

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 PeriodPRUCOF
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, PRU + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PRU
Annual income on $10K today (after 15% tax)
$490.32/yr
After 10yr DRIP, annual income (after tax)
$10,590.31/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, COF beats the other by $17,931,196.47/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PRU + COF for your $10,000?

PRU: 50%COF: 50%
100% COF50/50100% PRU
Portfolio after 10yr
$11.88M
Annual income
$10,560,221.81/yr
Blended yield
88.91%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

PRU
Analyst Ratings
9
Buy
25
Hold
2
Sell
Consensus: Hold
Price Target
$117.43
+24.3% upside vs current
Range: $110.00 — $126.00
Altman Z
0.2
Piotroski
6/9
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
Piotroski
7/9
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)

PRU buys
0
COF buys
0
No recent congressional trades found for PRU or COF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPRUCOF
Forward yield5.77%1.57%
Annual dividend / share$5.45$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.7%100%
Portfolio after 10y$67.4K$23.69M
Annual income after 10y$12,459.19$21,107,984.45
Total dividends collected$40.7K$23.46M
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusHoldBuy
Analyst price target$117.43$275.50

Year-by-year: PRU vs COF ($10,000, DRIP)

YearPRU PortfolioPRU Income/yrCOF PortfolioCOF Income/yrGap
1$11,408$707.78$11,014$314.38+$394.00PRU
2$13,132$925.90$12,433$647.23+$699.00PRU
3$15,274$1,222.25$14,668$1,365.54+$606.00PRU
4← crossover$17,973$1,630.15$18,707$3,011.43$734.00COF
5$21,431$2,199.71$27,195$7,178.47$5.8KCOF
6$25,939$3,007.77$48,604$19,505.85$22.7KCOF
7$31,929$4,174.61$117,169$65,162.98$85.2KCOF
8$40,057$5,892.69$418,993$293,621.92$378.9KCOF
9$51,338$8,477.44$2,410,904$1,962,580.97$2.36MCOF
10$67,391$12,459.19$23,687,651$21,107,984.45$23.62MCOF

PRU vs COF: Complete Analysis 2026

PRUFinancials

Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through eight segments: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. The company offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its general account. It also provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; and group life, long-term and short-term group disability, and group corporate-, bank-, and trust-owned life insurance in the United States, primarily to institutional clients for use in connection with employee and membership benefits plans, as well as sells accidental death and dismemberment, and other supplemental health solutions; and provides plan administration services in connection with its insurance coverages. In addition, the company develops and distributes individual variable and fixed annuity products, principally to the mass affluent and affluent markets; and individual variable, term, and universal life insurance products to the mass middle, mass affluent, and affluent markets in the United States. Further, it provides third-party life, health, Medicare, property and casualty, and term life products to retail shoppers through its digital and independent agent channels. The company offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.

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COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

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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.