Is SAIA or TEF a better dividend investment in 2026?

SAIA currently yields 0.60% with a 5% 5-year dividend growth rate. TEF yields 4.00% with 5% growth. The better choice depends on your goal: TEF offers higher current income.

What is the dividend yield difference between SAIA and TEF?

SAIA has a forward dividend yield of 0.60% ($2.00/share annually). TEF yields 4.00% ($2.00/share annually). The yield gap is 3.40 percentage points.

Home › Compare › SAIA vs TEF

SAIA vs TEF: Dividend Comparison 2026

SAIA yields 0.60% · TEF yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 TEF wins by $7.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SAIA

● Live price

0.60%

Share price

$336.01

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.5K

Annual income

$61.87

Full SAIA calculator →

TEF

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full TEF calculator →

Portfolio growth — SAIA vs TEF

📍 TEF 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 Period	SAIA	TEF
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, SAIA + TEF cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SAIA pays

TEF pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SAIA

Annual income on $10K today (after 15% tax)

$50.59/yr

After 10yr DRIP, annual income (after tax)

$52.59/yr

TEF

Annual income on $10K today (after 15% tax)

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, TEF beats the other by $711.72/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SAIA + TEF for your $10,000?

SAIA: 50%TEF: 50%

100% TEF50/50100% SAIA

Portfolio after 10yr

$24.3K

Annual income

$480.54/yr

Blended yield

1.98%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SAIA right now

SAIA

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$398.91

+18.7% upside vs current

Range: $262.00 — $493.00

Altman Z

8.2

Piotroski

6/9

TEF

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Altman Z

0.7

Piotroski

3/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SAIA buys

TEF buys

No recent congressional trades found for SAIA or TEF in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricSAIATEF

Forward yield	0.60%	4.00% ✓
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$20.5K	$28.0K ✓
Annual income after 10y	$61.87	$899.19 ✓
Total dividends collected	$608.00 ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Industrials	Stock
Analyst consensus	Buy	Buy

Year-by-year: SAIA vs TEF ($10,000, DRIP)

Year	SAIA Portfolio	SAIA Income/yr	TEF Portfolio	TEF Income/yr	Gap
1← crossover	$10,760	$59.52	$11,120	$420.00	$360.00 → TEF
2	$11,573	$59.85	$12,357	$458.31	$784.00 → TEF
3	$12,443	$60.16	$13,721	$499.76	$1.3K → TEF
4	$13,374	$60.46	$15,227	$544.58	$1.9K → TEF
5	$14,371	$60.73	$16,885	$593.02	$2.5K → TEF
6	$15,438	$60.99	$18,713	$645.34	$3.3K → TEF
7	$16,580	$61.23	$20,724	$701.81	$4.1K → TEF
8	$17,802	$61.46	$22,938	$762.73	$5.1K → TEF
9	$19,110	$61.67	$25,372	$828.41	$6.3K → TEF
10	$20,509	$61.87	$28,047	$899.19	$7.5K → TEF

SAIA vs TEF: Complete Analysis 2026

SAIA — Industrials

Saia, Inc., through its subsidiaries, operates as a transportation company in North America. The company provides less-than-truckload services for shipments between 400 and 10,000 pounds; and other value-added services, including non-asset truckload, expedited, and logistics services. As of December 31, 2021, it operated 176 owned and leased facilities; and owned approximately 5,600 tractors and 19,300 trailers. The company was formerly known as SCS Transportation, Inc. and changed its name to Saia, Inc. in July 2006. Saia, Inc. was founded in 1924 and is headquartered in Johns Creek, Georgia.

Full SAIA Calculator →

TEF — Stock

TEF is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in TEF shares.

Full TEF 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.