HomeCompareSJW vs ALLY

SJW vs ALLY: Dividend Comparison 2026

SJW yields 2.99% · ALLY yields 3.17%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ALLY wins by $541.21M 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 →
ALLY
ALLY
● Live price
3.17%
Share price
$37.91
Annual div
$1.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$541.27M
Annual income
$510,298,008.94
Full ALLY calculator →

Portfolio growth — SJW vs ALLY

📍 ALLY 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 PeriodSJWALLY
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, SJW + ALLY cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
ALLY 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
ALLY
Annual income on $10K today (after 15% tax)
$269.06/yr
After 10yr DRIP, annual income (after tax)
$433,753,307.60/yr
At 15% tax rate, ALLY beats the other by $433,744,989.05/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%ALLY: 50%
100% ALLY50/50100% SJW
Portfolio after 10yr
$270.66M
Annual income
$255,153,897.73/yr
Blended yield
94.27%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ALLY 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
ALLY
Analyst Ratings
26
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$51.40
+35.6% upside vs current
Range: $42.00 — $57.00
Altman Z
0.0
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)

SJW buys
0
ALLY buys
0
No recent congressional trades found for SJW or ALLY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWALLY
Forward yield2.99%3.17%
Annual dividend / share$1.64$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%100%
Portfolio after 10y$53.4K$541.27M
Annual income after 10y$9,786.53$510,298,008.94
Total dividends collected$29.2K$538.99M
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldBuy
Analyst price target$72.75$51.40

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

YearSJW PortfolioSJW Income/yrALLY PortfolioALLY Income/yrGap
1← crossover$11,091$391.32$11,333$633.08$242.00ALLY
2$12,399$530.97$13,467$1,341.07$1.1KALLY
3$13,993$726.13$17,389$2,978.76$3.4KALLY
4$15,975$1,002.53$25,795$7,189.02$9.8KALLY
5$18,493$1,400.18$47,534$19,933.39$29.0KALLY
6$21,771$1,982.98$119,520$68,658.62$97.7KALLY
7$26,150$2,855.84$450,570$322,683.15$424.4KALLY
8$32,178$4,196.60$2,755,862$2,273,751.97$2.72MALLY
9$40,747$6,317.25$28,943,461$25,994,688.52$28.90MALLY
10$53,386$9,786.53$541,267,512$510,298,008.94$541.21MALLY

SJW vs ALLY: 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.

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ALLYFinancials

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

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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.