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SAFE vs CF: Dividend Comparison 2026

SAFE yields 5.20% · CF yields 1.45%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CF wins by $258.1K in total portfolio value· pulled ahead in Year 2
10 years
SAFE
SAFE
● Live price
5.20%
Share price
$13.62
Annual div
$0.71
5Y div CAGR
-34.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.3K
Annual income
$8.45
Full SAFE calculator →
CF
CF
● Live price
1.45%
Share price
$137.55
Annual div
$2.00
5Y div CAGR
67.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$279.4K
Annual income
$157,141.85
Full CF calculator →

Portfolio growth — SAFE vs CF

📍 CF pulled ahead of the other in Year 2

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 PeriodSAFECF
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, SAFE + CF cover 0 of 12 monthsgood coverage

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

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

SAFE
Annual income on $10K today (after 15% tax)
$441.85/yr
After 10yr DRIP, annual income (after tax)
$7.18/yr
CF
Annual income on $10K today (after 15% tax)
$123.59/yr
After 10yr DRIP, annual income (after tax)
$133,570.57/yr
At 15% tax rate, CF beats the other by $133,563.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SAFE + CF for your $10,000?

SAFE: 50%CF: 50%
100% CF50/50100% SAFE
Portfolio after 10yr
$150.4K
Annual income
$78,575.15/yr
Blended yield
52.25%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CF right now

SAFE
Analyst Ratings
8
Buy
6
Hold
3
Sell
Consensus: Buy
Price Target
$15.50
+13.8% upside vs current
Range: $14.00 — $17.00
Altman Z
0.7
Piotroski
4/9
CF
Analyst Ratings
21
Buy
14
Hold
6
Sell
Consensus: Buy
Price Target
$91.71
-33.3% upside vs current
Range: $72.00 — $103.00
Altman Z
3.2
Piotroski
8/9
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)

SAFE buys
0
CF buys
0
No recent congressional trades found for SAFE or CF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSAFECF
Forward yield5.20%1.45%
Annual dividend / share$0.71$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-34.3%67.5%
Portfolio after 10y$21.3K$279.4K
Annual income after 10y$8.45$157,141.85
Total dividends collected$1.0K$247.3K
Payment frequencyquarterlyquarterly
SectorStockMaterials
Analyst consensusBuyBuy
Analyst price target$15.50$91.71

Year-by-year: SAFE vs CF ($10,000, DRIP)

YearSAFE PortfolioSAFE Income/yrCF PortfolioCF Income/yrGap
1$11,042$341.52$10,944$243.55+$98.00SAFE
2← crossover$12,046$231.54$12,127$417.23$81.00CF
3$13,044$155.11$13,699$723.76$655.00CF
4$14,061$103.13$15,938$1,279.91$1.9KCF
5$15,113$68.26$19,385$2,331.05$4.3KCF
6$16,216$45.05$25,180$4,438.20$9.0KCF
7$17,381$29.68$35,967$9,024.64$18.6KCF
8$18,617$19.53$58,665$20,179.55$40.0KCF
9$19,933$12.85$114,295$51,524.02$94.4KCF
10$21,337$8.45$279,438$157,141.85$258.1KCF

SAFE vs CF: Complete Analysis 2026

SAFEStock

Safehold Inc. (NYSE: SAFE) is revolutionizing real estate ownership by providing a new and better way for owners to unlock the value of the land beneath their buildings. Through its modern ground lease capital solution, Safehold helps owners of high quality multifamily, office, industrial, hospitality and mixed-use properties in major markets throughout the United States generate higher returns with less risk. The Company, which is taxed as a real estate investment trust (REIT) and is managed by its largest shareholder, iStar Inc., seeks to deliver safe, growing income and long-term capital appreciation to its shareholders.

Full SAFE Calculator →

CFMaterials

CF Industries Holdings, Inc. manufactures and sells hydrogen and nitrogen products for energy, fertilizer, emissions abatement, and other industrial activities worldwide. Its principal products include anhydrous ammonia, granular urea, urea ammonium nitrate, and ammonium nitrate products. The company also offers diesel exhaust fluid, urea liquor, nitric acid, and aqua ammonia products; and compound fertilizer products with nitrogen, phosphorus, and potassium. It primarily serves cooperatives, independent fertilizer distributors, traders, wholesalers, and industrial users. The company was founded in 1946 and is headquartered in Deerfield, Illinois.

Full CF 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.