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SAP vs IP: Dividend Comparison 2026

SAP yields 1.76% · IP yields 5.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SAP wins by $35.6K in total portfolio value· pulled ahead in Year 4
10 years
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →
IP
IP
● Live price
5.29%
Share price
$35.00
Annual div
$1.85
5Y div CAGR
-10%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.7K
Annual income
$229.13
Full IP calculator →

Portfolio growth — SAP vs IP

📍 SAP pulled ahead of the other in Year 4

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 PeriodSAPIP
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, SAP + IP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
IP
Annual income on $10K today (after 15% tax)
$449.29/yr
After 10yr DRIP, annual income (after tax)
$194.76/yr
At 15% tax rate, SAP beats the other by $12,441.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SAP + IP for your $10,000?

SAP: 50%IP: 50%
100% IP50/50100% SAP
Portfolio after 10yr
$42.5K
Annual income
$7,547.62/yr
Blended yield
17.77%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SAP right now

SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
Piotroski
7/9
IP
Analyst Ratings
12
Buy
9
Hold
8
Sell
Consensus: Buy
Price Target
$47.97
+37.1% upside vs current
Range: $40.00 — $57.80
Altman Z
1.1
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SAP buys
0
IP buys
0
No recent congressional trades found for SAP or IP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSAPIP
Forward yield1.76%5.29%
Annual dividend / share$2.97$1.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR43.3%-10%
Portfolio after 10y$60.2K$24.7K
Annual income after 10y$14,866.12$229.13
Total dividends collected$36.3K$3.5K
Payment frequencyquarterlyquarterly
SectorStockMaterials
Analyst consensusBuyBuy
Analyst price target$415.33$47.97

Year-by-year: SAP vs IP ($10,000, DRIP)

YearSAP PortfolioSAP Income/yrIP PortfolioIP Income/yrGap
1$10,953$252.90$11,176$475.71$223.00IP
2$12,091$370.97$12,405$447.18$314.00IP
3$13,485$548.42$13,691$417.51$206.00IP
4← crossover$15,249$819.21$15,037$387.58+$212.00SAP
5$17,556$1,240.57$16,448$358.05+$1.1KSAP
6$20,698$1,912.91$17,928$329.42+$2.8KSAP
7$25,168$3,020.33$19,485$302.02+$5.7KSAP
8$31,848$4,918.38$21,126$276.10+$10.7KSAP
9$42,412$8,335.30$22,856$251.78+$19.6KSAP
10$60,247$14,866.12$24,685$229.13+$35.6KSAP

SAP vs IP: Complete Analysis 2026

SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP Calculator →

IPMaterials

International Paper Company operates as a packaging company primarily in United States, the Middle East, Europe, Africa, Pacific Rim, Asia, and rest of the Americas. It operates through two segments: Industrial Packaging and Global Cellulose Fibers. The Industrial Packaging segment manufactures containerboards, including linerboard, medium, whitetop, recycled linerboard, recycled medium, and saturating kraft. The Global Cellulose Fibers segment provides fluff, market, and specialty pulps that are used in absorbent hygiene products, such as baby diapers, feminine care, adult incontinence, and other non-woven products; tissue and paper products; and non-absorbent end applications, including textiles, filtration, construction material, paints and coatings, reinforced plastics, and other applications. It sells its products directly to end users and converters, as well as through agents, resellers, and paper distributors. The company was founded in 1898 and is headquartered in Memphis, Tennessee.

Full IP 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.