HomeCompareSJW vs AAPL

SJW vs AAPL: Dividend Comparison 2026

SJW yields 2.99% · AAPL yields 0.42%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 AAPL wins by $4.3K in total portfolio value
10 years
SJW
SJW
● Live price
2.99%
Share price
$54.86
Annual div
$1.64
5Y div CAGR
30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,786.53
Full SJW calculator →
AAPL
Apple Inc.
● Live price
0.42%
Share price
$246.63
Annual div
$1.04
5Y div CAGR
27.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$57.7K
Annual income
$490.07
Full AAPL calculator →

Portfolio growth — SJW vs AAPL

📍 AAPL 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 PeriodSJWAAPL
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, SJW + AAPL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SJW
Annual income on $10K today (after 15% tax)
$254.10/yr
After 10yr DRIP, annual income (after tax)
$8,318.55/yr
AAPL
Annual income on $10K today (after 15% tax)
$35.84/yr
After 10yr DRIP, annual income (after tax)
$416.56/yr
At 15% tax rate, SJW beats the other by $7,901.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SJW + AAPL for your $10,000?

SJW: 50%AAPL: 50%
100% AAPL50/50100% SJW
Portfolio after 10yr
$55.5K
Annual income
$5,138.30/yr
Blended yield
9.25%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on AAPL right now

SJW
Analyst Ratings
5
Buy
6
Hold
Consensus: Hold
Price Target
$72.75
+32.6% upside vs current
Range: $57.00 — $85.00
Altman Z
2.7
Piotroski
5/9
AAPL
Analyst Ratings
1
Strong
68
Buy
33
Hold
7
Sell
Consensus: Buy
Price Target
$316.36
+28.3% upside vs current
Range: $239.00 — $350.00
Altman Z
9.8
Piotroski
9/9
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)

SJW buys
0
AAPL buys
0
No recent congressional trades found for SJW or AAPL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWAAPL
Forward yield2.99%0.42%
Annual dividend / share$1.64$1.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%27.1%
Portfolio after 10y$53.4K$57.7K
Annual income after 10y$9,786.53$490.07
Total dividends collected$29.2K$2.1K
Payment frequencyquarterlyquarterly
SectorUtilitiesTechnology
Analyst consensusHoldBuy
Analyst price target$72.75$316.36

Year-by-year: SJW vs AAPL ($10,000, DRIP)

YearSJW PortfolioSJW Income/yrAAPL PortfolioAAPL Income/yrGap
1← crossover$11,091$391.32$11,894$53.60$803.00AAPL
2$12,399$530.97$14,150$68.43$1.8KAAPL
3$13,993$726.13$16,842$87.40$2.8KAAPL
4$15,975$1,002.53$20,052$111.66$4.1KAAPL
5$18,493$1,400.18$23,884$142.71$5.4KAAPL
6$21,771$1,982.98$28,462$182.48$6.7KAAPL
7$26,150$2,855.84$33,932$233.43$7.8KAAPL
8$32,178$4,196.60$40,474$298.74$8.3KAAPL
9$40,747$6,317.25$48,304$382.53$7.6KAAPL
10$53,386$9,786.53$57,682$490.07$4.3KAAPL

SJW vs AAPL: Complete Analysis 2026

SJWUtilities

SJW Group, through its subsidiaries, provides water utility services in the United States. It engages in the production, purchase, storage, purification, distribution, wholesale, and retail sale of water and wastewater services. The company also provides non-tariffed services, including water system operations, maintenance agreements, and antenna site leases; contracted services and sewer operations to water utilities; and a Linebacker protection plan for public drinking water customers in Connecticut and Maine. Its water supply consists of groundwater from wells, surface water from watershed run-off and diversion, reclaimed water, and imported water purchased from the Santa Clara Valley Water District. The company offers water service to approximately 231,000 connections that serve approximately one million people residing in portions of the cities of San Jose and Cupertino, as well as in the cities of Campbell, Monte Sereno, Saratoga, and the Town of Los Gatos; and adjacent unincorporated territories in the County of Santa Clara in the State of California. In addition, it provides water service to approximately 140,000 connections, which serve approximately 456,000 people in 81 municipalities with a service area comprising approximately 269 square miles throughout Connecticut and Maine, as well as approximately 24,000 connections that serve approximately 70,000 people in a service area comprising approximately 266 square miles in the region between San Antonio and Austin, Texas; and approximately 3,000 wastewater connections in Southbury, Connecticut. Further, the company owns undeveloped land in California and Tennessee; and owns and operates commercial buildings and warehouse properties in Tennessee. The company was formerly known as SJW Corp. and changed its name to SJW Group in November 2016. SJW Group was incorporated in 1985 and is headquartered in San Jose, California.

Full SJW Calculator →

AAPLTechnology

Apple Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide. The company offers iPhone, a line of smartphones; Mac, a line of personal computers; iPad, a line of multi-purpose tablets; and wearables, home, and accessories comprising AirPods, Apple TV, Apple Watch, Beats products, and HomePod. It also provides AppleCare support and cloud services; and operates various platforms, including the App Store that allow customers to discover and download applications and digital content, such as books, music, video, games, and podcasts, as well as advertising services include third-party licensing arrangements and its own advertising platforms. In addition, the company offers various subscription-based services, such as Apple Arcade, a game subscription service; Apple Fitness+, a personalized fitness service; Apple Music, which offers users a curated listening experience with on-demand radio stations; Apple News+, a subscription news and magazine service; Apple TV+, which offers exclusive original content; Apple Card, a co-branded credit card; and Apple Pay, a cashless payment service, as well as licenses its intellectual property. The company serves consumers, and small and mid-sized businesses; and the education, enterprise, and government markets. It distributes third-party applications for its products through the App Store. The company also sells its products through its retail and online stores, and direct sales force; and third-party cellular network carriers, wholesalers, retailers, and resellers. Apple Inc. was founded in 1976 and is headquartered in Cupertino, California.

Full AAPL 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.