HomeCompareSJW vs CVS

SJW vs CVS: Dividend Comparison 2026

SJW yields 2.99% · CVS yields 3.79%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CVS wins by $29.1K 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 →
CVS
CVS
● Live price
3.79%
Share price
$70.14
Annual div
$2.66
5Y div CAGR
33.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$82.5K
Annual income
$21,585.11
Full CVS calculator →

Portfolio growth — SJW vs CVS

📍 CVS 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 PeriodSJWCVS
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 + CVS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
CVS 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
CVS
Annual income on $10K today (after 15% tax)
$322.36/yr
After 10yr DRIP, annual income (after tax)
$18,347.34/yr
At 15% tax rate, CVS beats the other by $10,028.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%CVS: 50%
100% CVS50/50100% SJW
Portfolio after 10yr
$67.9K
Annual income
$15,685.81/yr
Blended yield
23.09%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CVS 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
CVS
Analyst Ratings
2
Strong
33
Buy
6
Hold
Consensus: Buy
Price Target
$95.15
+35.7% upside vs current
Range: $90.00 — $103.00
Altman Z
2.2
Piotroski
6/9
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
CVS buys
0
No recent congressional trades found for SJW or CVS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWCVS
Forward yield2.99%3.79%
Annual dividend / share$1.64$2.66
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%33.8%
Portfolio after 10y$53.4K$82.5K
Annual income after 10y$9,786.53$21,585.11
Total dividends collected$29.2K$55.6K
Payment frequencyquarterlyquarterly
SectorUtilitiesHealthcare
Analyst consensusHoldBuy
Analyst price target$72.75$95.15

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

YearSJW PortfolioSJW Income/yrCVS PortfolioCVS Income/yrGap
1← crossover$11,091$391.32$11,207$507.43$116.00CVS
2$12,399$530.97$12,703$711.13$304.00CVS
3$13,993$726.13$14,600$1,007.92$607.00CVS
4$15,975$1,002.53$17,071$1,448.60$1.1KCVS
5$18,493$1,400.18$20,384$2,117.95$1.9KCVS
6$21,771$1,982.98$24,973$3,162.40$3.2KCVS
7$26,150$2,855.84$31,566$4,844.81$5.4KCVS
8$32,178$4,196.60$41,433$7,657.67$9.3KCVS
9$40,747$6,317.25$56,902$12,568.96$16.2KCVS
10$53,386$9,786.53$82,471$21,585.11$29.1KCVS

SJW vs CVS: 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 →

CVSHealthcare

CVS Health Corporation provides health services in the United States. The company's Health Care Benefits segment offers traditional, voluntary, and consumer-directed health insurance products and related services. It serves employer groups, individuals, college students, part-time and hourly workers, health plans, health care providers, governmental units, government-sponsored plans, labor groups, and expatriates. Its Pharmacy Services segment offers pharmacy benefit management solutions, including plan design and administration, formulary management, retail pharmacy network management, mail order pharmacy, specialty pharmacy and infusion, clinical, and disease and medical spend management services. It serves employers, insurance companies, unions, government employee groups, health plans, prescription drug plans, Medicaid managed care plans, plans offered on public health insurance and private health insurance exchanges, other sponsors of health benefit plans, and individuals. This segment operates retail specialty pharmacy stores; and specialty mail-order, mail-order dispensing, and compounding pharmacies, as well as branches for infusion and enteral nutrition services. The company's Retail/LTC segment sells prescription and over-the-counter drugs, consumer health and beauty products, and personal care products; and provides health care services through its MinuteClinic walk-in medical clinics. This segment also distributes prescription drugs; and provides related pharmacy consulting and other ancillary services to care facilities and other care settings. As of December 31, 2021, it operated approximately 9,900 retail locations and 1,200 MinuteClinic locations, as well as online retail pharmacy websites, LTC pharmacies, and onsite pharmacies. The company was formerly known as CVS Caremark Corporation and changed its name to CVS Health Corporation in September 2014. CVS Health Corporation was founded in 1963 and is headquartered in Woonsocket, Rhode Island.

Full CVS 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.