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SJW vs AFL: Dividend Comparison 2026

SJW yields 2.99% · AFL yields 2.17%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AFL wins by $92.03M 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 →
AFL
AFL
● Live price
2.17%
Share price
$108.17
Annual div
$2.35
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$92.09M
Annual income
$84,603,960.82
Full AFL calculator →

Portfolio growth — SJW vs AFL

📍 AFL 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 PeriodSJWAFL
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 + AFL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
AFL 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
AFL
Annual income on $10K today (after 15% tax)
$184.66/yr
After 10yr DRIP, annual income (after tax)
$71,913,366.70/yr
At 15% tax rate, AFL beats the other by $71,905,048.15/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%AFL: 50%
100% AFL50/50100% SJW
Portfolio after 10yr
$46.07M
Annual income
$42,306,873.67/yr
Blended yield
91.83%
📊

Analyst Conviction Gap

Where Wall Street is split 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
AFL
Analyst Ratings
9
Buy
18
Hold
4
Sell
Consensus: Hold
Price Target
$113.83
+5.2% upside vs current
Range: $101.00 — $125.00
Altman Z
1.4
Piotroski
5/9
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
AFL buys
7
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$AFL▲ Buy$1,001 - $15,0002025-07-25
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Carol Devine Miller🏢 House$AFL▲ Buy$1,001 - $15,0002025-03-10
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-01-17
Ro Khanna🏢 House$AFL▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$AFL▼ Sell$15,001 - $50,0002023-10-31
Ro Khanna🏢 House$AFL▲ Buy$15,001 - $50,0002023-10-10
Ro Khanna🏢 House$AFL▼ Sell$15,001 - $50,0002023-08-03
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002023-08-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWAFL
Forward yield2.99%2.17%
Annual dividend / share$1.64$2.35
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%100%
Portfolio after 10y$53.4K$92.09M
Annual income after 10y$9,786.53$84,603,960.82
Total dividends collected$29.2K$91.49M
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldHold
Analyst price target$72.75$113.83

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

YearSJW PortfolioSJW Income/yrAFL PortfolioAFL Income/yrGap
1← crossover$11,091$391.32$11,135$434.50$44.00AFL
2$12,399$530.97$12,818$904.29$419.00AFL
3$13,993$726.13$15,661$1,945.86$1.7KAFL
4$15,975$1,002.53$21,201$4,443.84$5.2KAFL
5$18,493$1,400.18$33,930$11,244.55$15.4KAFL
6$21,771$1,982.98$69,941$33,636.25$48.2KAFL
7$26,150$2,855.84$204,437$129,599.44$178.3KAFL
8$32,178$4,196.60$926,813$708,065.90$894.6KAFL
9$40,747$6,317.25$6,991,715$6,000,024.58$6.95MAFL
10$53,386$9,786.53$92,085,096$84,603,960.82$92.03MAFL

SJW vs AFL: 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 →

AFLFinancials

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

Full AFL 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.