Is SJI or SCHD a better dividend investment in 2026?

SJI currently yields 60.97% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: SJI offers higher current income.

What is the dividend yield difference between SJI and SCHD?

SJI has a forward dividend yield of 60.97% ($22.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 57.51 percentage points.

Home › Compare › SJI vs SCHD

SJI vs SCHD: Dividend Comparison 2026

SJI yields 60.97% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SJI wins by $11.64M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SJI

● Live price

60.97%

Share price

$36.09

Annual div

$22.00

5Y div CAGR

14.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$11.67M

Annual income

$6,367,762.05

Full SJI calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — SJI vs SCHD

📍 SJI 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	SJI	SCHD
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, SJI + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SJI pays

SCHD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SJI

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

$5,182.04/yr

After 10yr DRIP, annual income (after tax)

$5,412,597.74/yr

SCHD

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

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, SJI beats the other by $5,412,235.69/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of SJI + SCHD for your $10,000?

SJI: 50%SCHD: 50%

100% SCHD50/50100% SJI

Portfolio after 10yr

$5.85M

Annual income

$3,184,094.00/yr

Blended yield

54.42%

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Analyst Conviction Gap

Where Wall Street is most bullish on SJI right now

SJI

Analyst Ratings

Buy

Hold

Consensus: Hold

Altman Z

0.8

Piotroski

7/9

SCHD

No analyst data

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)

SJI buys

SCHD buys

No recent congressional trades found for SJI or SCHD in the last 90 days.

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

MetricSJISCHD

Forward yield	60.97% ✓	3.46%
Annual dividend / share	$22.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	14.5% ✓	0%
Portfolio after 10y	$11.67M	$29.0K ✓
Annual income after 10y	$6,367,762.05 ✓	$425.95
Total dividends collected	$11.03M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: SJI vs SCHD ($10,000, DRIP)

Year	SJI Portfolio	SJI Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$17,681	$6,980.51	$11,226	$346.36	+$6.5K → SJI
2	$32,125	$13,206.98	$12,572	$357.38	+$19.6K → SJI
3	$60,053	$25,678.84	$14,046	$367.84	+$46.0K → SJI
4	$115,624	$51,367.09	$15,660	$377.73	+$100.0K → SJI
5	$229,550	$105,832.76	$17,425	$387.07	+$212.1K → SJI
6	$470,458	$224,839.59	$19,354	$395.86	+$451.1K → SJI
7	$996,494	$493,103.67	$21,461	$404.13	+$975.0K → SJI
8	$2,183,918	$1,117,670.15	$23,762	$411.89	+$2.16M → SJI
9	$4,957,975	$2,621,182.18	$26,272	$419.15	+$4.93M → SJI
10	$11,672,795	$6,367,762.05	$29,010	$425.95	+$11.64M → SJI

SJI vs SCHD: Complete Analysis 2026

SJI — Stock

South Jersey Industries, Inc., through its subsidiaries, provides energy-related products and services. The company engages in the purchase, transmission, and sale of natural gas. It also sells natural gas and pipeline transportation capacity on a wholesale basis to residential, commercial, and industrial customers on the interstate pipeline system, as well as transports natural gas purchased directly from producers or suppliers to customers. As of December 31, 2021, the company had approximately 147 miles of mains in the transmission system and 6,815 miles of mains in the distribution system; and served 384,062 residential, commercial, and industrial customers in southern New Jersey. In addition, it markets natural gas storage, commodity, and transportation assets on a wholesale basis for energy marketers, electric and gas utilities, power plants, and natural gas producers in the mid-Atlantic, Appalachian, and southern regions of the United States. Further, the company owns and operates rooftop solar-generation sites. Additionally, it owns oil, gas, and mineral rights in the Marcellus Shale region of Pennsylvania; acquires and markets natural gas and electricity to retail end users, as well as provides total energy management, fuel management, and energy procurement and cost reduction services. The company was founded in 1910 and is headquartered in Folsom, New Jersey.

Full SJI Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.