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SJW vs MSFT: Dividend Comparison 2026

SJW yields 2.99% · MSFT yields 0.97%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MSFT wins by $83.7K 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 →
MSFT
Microsoft Corporation
● Live price
0.97%
Share price
$358.96
Annual div
$3.48
5Y div CAGR
62.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$137.1K
Annual income
$20,242.28
Full MSFT calculator →

Portfolio growth — SJW vs MSFT

📍 MSFT 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 PeriodSJWMSFT
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 + MSFT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
MSFT pays
Both pay
Neither
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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
MSFT
Annual income on $10K today (after 15% tax)
$82.40/yr
After 10yr DRIP, annual income (after tax)
$17,205.94/yr
At 15% tax rate, MSFT beats the other by $8,887.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%MSFT: 50%
100% MSFT50/50100% SJW
Portfolio after 10yr
$95.2K
Annual income
$15,014.40/yr
Blended yield
15.76%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MSFT 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
MSFT
Analyst Ratings
62
Buy
16
Hold
Consensus: Buy
Price Target
$583.67
+62.6% upside vs current
Range: $392.00 — $675.00
Altman Z
7.7
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
MSFT buys
0
No recent congressional trades found for SJW or MSFT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWMSFT
Forward yield2.99%0.97%
Annual dividend / share$1.64$3.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%62.9%
Portfolio after 10y$53.4K$137.1K
Annual income after 10y$9,786.53$20,242.28
Total dividends collected$29.2K$45.7K
Payment frequencyquarterlyquarterly
SectorUtilitiesTechnology
Analyst consensusHoldBuy
Analyst price target$72.75$583.67

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

YearSJW PortfolioSJW Income/yrMSFT PortfolioMSFT Income/yrGap
1← crossover$11,091$391.32$12,368$157.93$1.3KMSFT
2$12,399$530.97$15,362$260.59$3.0KMSFT
3$13,993$726.13$19,189$431.83$5.2KMSFT
4$15,975$1,002.53$24,149$719.64$8.2KMSFT
5$18,493$1,400.18$30,694$1,208.30$12.2KMSFT
6$21,771$1,982.98$39,527$2,048.98$17.8KMSFT
7$26,150$2,855.84$51,782$3,520.27$25.6KMSFT
8$32,178$4,196.60$69,379$6,152.79$37.2KMSFT
9$40,747$6,317.25$95,710$10,998.27$55.0KMSFT
10$53,386$9,786.53$137,104$20,242.28$83.7KMSFT

SJW vs MSFT: 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 →

MSFTTechnology

Microsoft Corporation develops, licenses, and supports software, services, devices, and solutions worldwide. The company operates in three segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing. The Productivity and Business Processes segment offers Office, Exchange, SharePoint, Microsoft Teams, Office 365 Security and Compliance, Microsoft Viva, and Skype for Business; Skype, Outlook.com, OneDrive, and LinkedIn; and Dynamics 365, a set of cloud-based and on-premises business solutions for organizations and enterprise divisions. The Intelligent Cloud segment licenses SQL, Windows Servers, Visual Studio, System Center, and related Client Access Licenses; GitHub that provides a collaboration platform and code hosting service for developers; Nuance provides healthcare and enterprise AI solutions; and Azure, a cloud platform. It also offers enterprise support, Microsoft consulting, and nuance professional services to assist customers in developing, deploying, and managing Microsoft server and desktop solutions; and training and certification on Microsoft products. The More Personal Computing segment provides Windows original equipment manufacturer (OEM) licensing and other non-volume licensing of the Windows operating system; Windows Commercial, such as volume licensing of the Windows operating system, Windows cloud services, and other Windows commercial offerings; patent licensing; and Windows Internet of Things. It also offers Surface, PC accessories, PCs, tablets, gaming and entertainment consoles, and other devices; Gaming, including Xbox hardware, and Xbox content and services; video games and third-party video game royalties; and Search, including Bing and Microsoft advertising. The company sells its products through OEMs, distributors, and resellers; and directly through digital marketplaces, online stores, and retail stores. Microsoft Corporation was founded in 1975 and is headquartered in Redmond, Washington.

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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.