HomeComparePRU vs UNP

PRU vs UNP: Dividend Comparison 2026

PRU yields 5.77% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNP wins by $2.5K in total portfolio value· pulled ahead in Year 10
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 →
UNP
UNP
● Live price
2.29%
Share price
$239.23
Annual div
$5.48
5Y div CAGR
40.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$69.9K
Annual income
$18,474.89
Full UNP calculator →

Portfolio growth — PRU vs UNP

📍 UNP pulled ahead of the other in Year 10

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 PeriodPRUUNP
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 + UNP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PRU pays
UNP 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
UNP
Annual income on $10K today (after 15% tax)
$194.71/yr
After 10yr DRIP, annual income (after tax)
$15,703.66/yr
At 15% tax rate, UNP beats the other by $5,113.34/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PRU: 50%UNP: 50%
100% UNP50/50100% PRU
Portfolio after 10yr
$68.7K
Annual income
$15,467.04/yr
Blended yield
22.53%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP 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
UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
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
UNP buys
7
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-11-13
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$50,001 - $100,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Ro Khanna🏢 House$UNP▼ Sell$1,001 - $15,0002025-09-05
Ro Khanna🏢 House$UNP▲ Buy$15,001 - $50,0002025-08-26
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPRUUNP
Forward yield5.77%2.29%
Annual dividend / share$5.45$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.7%40.9%
Portfolio after 10y$67.4K$69.9K
Annual income after 10y$12,459.19$18,474.89
Total dividends collected$40.7K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusHoldBuy
Analyst price target$117.43$276.57

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

YearPRU PortfolioPRU Income/yrUNP PortfolioUNP Income/yrGap
1$11,408$707.78$11,023$322.76+$385.00PRU
2$13,132$925.90$12,263$468.48+$869.00PRU
3$15,274$1,222.25$13,808$686.31+$1.5KPRU
4$17,973$1,630.15$15,792$1,017.59+$2.2KPRU
5$21,431$2,199.71$18,430$1,532.54+$3.0KPRU
6$25,939$3,007.77$22,075$2,355.20+$3.9KPRU
7$31,929$4,174.61$27,335$3,714.82+$4.6KPRU
8$40,057$5,892.69$35,306$6,057.38+$4.8KPRU
9$51,338$8,477.44$48,080$10,302.43+$3.3KPRU
10← crossover$67,391$12,459.19$69,920$18,474.89$2.5KUNP

PRU vs UNP: 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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UNPStock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

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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.