HomeCompareSCHW vs COF

SCHW vs COF: Dividend Comparison 2026

SCHW yields 1.21% · COF yields 1.57%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.64M in total portfolio value
10 years
SCHW
SCHW
● Live price
1.21%
Share price
$93.06
Annual div
$1.13
5Y div CAGR
46.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.0K
Annual income
$11,081.00
Full SCHW calculator →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — SCHW vs COF

📍 COF 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 PeriodSCHWCOF
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, SCHW + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SCHW
Annual income on $10K today (after 15% tax)
$103.21/yr
After 10yr DRIP, annual income (after tax)
$9,418.85/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, COF beats the other by $17,932,367.93/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SCHW + COF for your $10,000?

SCHW: 50%COF: 50%
100% COF50/50100% SCHW
Portfolio after 10yr
$11.87M
Annual income
$10,559,532.72/yr
Blended yield
88.97%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

SCHW
Analyst Ratings
29
Buy
18
Hold
3
Sell
Consensus: Buy
Price Target
$122.78
+31.9% upside vs current
Range: $105.00 — $148.00
Altman Z
0.9
Piotroski
9/9
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
Piotroski
7/9
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)

SCHW buys
0
COF buys
0
No recent congressional trades found for SCHW or COF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCHWCOF
Forward yield1.21%1.57%
Annual dividend / share$1.13$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR46.7%100%
Portfolio after 10y$50.0K$23.69M
Annual income after 10y$11,081.00$21,107,984.45
Total dividends collected$27.1K$23.46M
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$122.78$275.50

Year-by-year: SCHW vs COF ($10,000, DRIP)

YearSCHW PortfolioSCHW Income/yrCOF PortfolioCOF Income/yrGap
1← crossover$10,878$178.13$11,014$314.38$136.00COF
2$11,905$265.67$12,433$647.23$528.00COF
3$13,137$398.64$14,668$1,365.54$1.5KCOF
4$14,660$603.10$18,707$3,011.43$4.0KCOF
5$16,609$922.71$27,195$7,178.47$10.6KCOF
6$19,205$1,433.24$48,604$19,505.85$29.4KCOF
7$22,821$2,272.13$117,169$65,162.98$94.3KCOF
8$28,120$3,701.76$418,993$293,621.92$390.9KCOF
9$36,343$6,253.72$2,410,904$1,962,580.97$2.37MCOF
10$49,968$11,081.00$23,687,651$21,107,984.45$23.64MCOF

SCHW vs COF: Complete Analysis 2026

SCHWFinancials

The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. The Investor Services segment provides retail brokerage, investment advisory, banking and trust, retirement plan, and other corporate brokerage services; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; and retail investor and mutual fund clearing services, as well as compliance solutions. The Advisor Services segment offers custodial, trading, banking, and support services; and retirement business and corporate brokerage retirement services. This segment provides brokerage accounts with equity and fixed income, margin lending, options, and futures and forex trading; cash management capabilities comprising third-party certificates of deposit; third-party and proprietary mutual funds; plus mutual fund trading and clearing services; and exchange-traded funds (ETFs), including proprietary and third-party ETFs. It also offers advice solutions, such as managed portfolios of proprietary and third-party mutual funds and ETFs, separately managed accounts, customized personal advice for tailored portfolios, and specialized planning and portfolio management. In addition, this segment provides banking products and services, including checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust services comprising trust custody services, personal trust reporting services, and administrative trustee services. As of December 31, 2021, the Company had approximately 400 domestic branch offices in 48 states and the District of Columbia, as well as locations in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. The Charles Schwab Corporation was incorporated in 1971 and is headquartered in Westlake, Texas.

Full SCHW Calculator →

COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Full COF 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.