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PRU vs MOS: Dividend Comparison 2026

PRU yields 5.77% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $929.98M in total portfolio value· pulled ahead in Year 2
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 →
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 — PRU 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 PeriodPRUMOS
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 + MOS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PRU pays
MOS 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
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 $749,648,642.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PRU: 50%MOS: 50%
100% MOS50/50100% PRU
Portfolio after 10yr
$465.06M
Annual income
$440,982,248.88/yr
Blended yield
94.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MOS 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
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)

PRU buys
0
MOS buys
0
No recent congressional trades found for PRU or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPRUMOS
Forward yield5.77%3.52%
Annual dividend / share$5.45$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.7%100%
Portfolio after 10y$67.4K$930.05M
Annual income after 10y$12,459.19$881,952,038.58
Total dividends collected$40.7K$926.56M
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusHoldHold
Analyst price target$117.43$33.80

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

YearPRU PortfolioPRU Income/yrMOS PortfolioMOS Income/yrGap
1$11,408$707.78$11,405$704.56+$3.00PRU
2← crossover$13,132$925.90$13,705$1,501.91$573.00MOS
3$15,274$1,222.25$18,038$3,373.54$2.8KMOS
4$17,973$1,630.15$27,600$8,299.26$9.6KMOS
5$21,431$2,199.71$53,268$23,735.99$31.8KMOS
6$25,939$3,007.77$142,624$85,627.61$116.7KMOS
7$31,929$4,174.61$581,146$428,538.38$549.2KMOS
8$40,057$5,892.69$3,885,667$3,263,840.61$3.85MMOS
9$51,338$8,477.44$44,947,834$40,790,171.07$44.90MMOS
10$67,391$12,459.19$930,046,221$881,952,038.58$929.98MMOS

PRU vs MOS: 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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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.