HomeCompareSJW vs HUM

SJW vs HUM: Dividend Comparison 2026

SJW yields 2.99% · HUM yields 2.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HUM wins by $36.0K in total portfolio value· pulled ahead in Year 5
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 →
HUM
HUM
● Live price
2.13%
Share price
$166.00
Annual div
$3.54
5Y div CAGR
46.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$89.4K
Annual income
$29,002.59
Full HUM calculator →

Portfolio growth — SJW vs HUM

📍 HUM pulled ahead of the other in Year 5

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 PeriodSJWHUM
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 + HUM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
HUM 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
HUM
Annual income on $10K today (after 15% tax)
$181.27/yr
After 10yr DRIP, annual income (after tax)
$24,652.20/yr
At 15% tax rate, HUM beats the other by $16,333.65/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%HUM: 50%
100% HUM50/50100% SJW
Portfolio after 10yr
$71.4K
Annual income
$19,394.56/yr
Blended yield
27.17%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HUM 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
HUM
Analyst Ratings
14
Buy
27
Hold
2
Sell
Consensus: Hold
Price Target
$235.00
+41.6% upside vs current
Range: $146.00 — $345.00
Altman Z
4.0
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
HUM buys
13
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$HUM▼ Sell$1,001 - $15,0002026-02-10
Gilbert Cisneros🏢 House$HUM▼ Sell$1,001 - $15,0002025-11-12
Michael McCaul🏢 House$HUM▼ Sell$15,001 - $50,0002025-11-04
Lisa McClain🏢 House$HUM▲ Buy$1,001 - $15,0002025-09-25
Julia Letlow🏢 House$HUM▲ Buy$1,001 - $15,0002025-08-08
Gilbert Cisneros🏢 House$HUM▲ Buy$1,001 - $15,0002025-08-05
Ro Khanna🏢 House$HUM▲ Buy$1,001 - $15,0002025-07-25
Lisa McClain🏢 House$HUM▲ Buy$1,001 - $15,0002025-06-24
Gilbert Cisneros🏢 House$HUM▼ Sell$1,001 - $15,0002025-05-30
Gilbert Cisneros🏢 House$HUM▼ Sell$1,001 - $15,0002025-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWHUM
Forward yield2.99%2.13%
Annual dividend / share$1.64$3.54
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%46.1%
Portfolio after 10y$53.4K$89.4K
Annual income after 10y$9,786.53$29,002.59
Total dividends collected$29.2K$63.4K
Payment frequencyquarterlyquarterly
SectorUtilitiesHealthcare
Analyst consensusHoldHold
Analyst price target$72.75$235.00

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

YearSJW PortfolioSJW Income/yrHUM PortfolioHUM Income/yrGap
1$11,091$391.32$11,012$311.56+$79.00SJW
2$12,399$530.97$12,251$468.45+$148.00SJW
3$13,993$726.13$13,820$711.61+$173.00SJW
4$15,975$1,002.53$15,883$1,096.11+$92.00SJW
5← crossover$18,493$1,400.18$18,715$1,720.11$222.00HUM
6$21,771$1,982.98$22,793$2,767.44$1.0KHUM
7$26,150$2,855.84$28,990$4,601.98$2.8KHUM
8$32,178$4,196.60$39,012$7,992.19$6.8KHUM
9$40,747$6,317.25$56,428$14,685.03$15.7KHUM
10$53,386$9,786.53$89,380$29,002.59$36.0KHUM

SJW vs HUM: 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 →

HUMHealthcare

Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The company offers medical and supplemental benefit plans to individuals. It also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, the company provides commercial fully insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract. Further, it offers pharmacy solutions, provider services, and home solutions services, such as home health and other services to its health plan members, as well as to third parties. As of December 31, 2021, the company had approximately 17 million members in medical benefit plans, as well as approximately 5 million members in specialty products. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.

Full HUM 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.