HomeCompareSJW vs ORCL

SJW vs ORCL: Dividend Comparison 2026

SJW yields 2.99% · ORCL yields 1.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ORCL wins by $793.3K in total portfolio value· pulled ahead in Year 4
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 →
ORCL
ORCL
● Live price
1.44%
Share price
$138.78
Annual div
$2.00
5Y div CAGR
77.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$846.7K
Annual income
$592,144.13
Full ORCL calculator →

Portfolio growth — SJW vs ORCL

📍 ORCL pulled ahead of the other in Year 4

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 PeriodSJWORCL
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 + ORCL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
ORCL 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
ORCL
Annual income on $10K today (after 15% tax)
$122.50/yr
After 10yr DRIP, annual income (after tax)
$503,322.51/yr
At 15% tax rate, ORCL beats the other by $495,003.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%ORCL: 50%
100% ORCL50/50100% SJW
Portfolio after 10yr
$450.0K
Annual income
$300,965.33/yr
Blended yield
66.87%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ORCL 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
ORCL
Analyst Ratings
55
Buy
27
Hold
4
Sell
Consensus: Buy
Price Target
$285.39
+105.6% upside vs current
Range: $160.00 — $400.00
Altman Z
1.8
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
ORCL buys
0
No recent congressional trades found for SJW or ORCL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWORCL
Forward yield2.99%1.44%
Annual dividend / share$1.64$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%77.9%
Portfolio after 10y$53.4K$846.7K
Annual income after 10y$9,786.53$592,144.13
Total dividends collected$29.2K$802.3K
Payment frequencyquarterlyquarterly
SectorUtilitiesTechnology
Analyst consensusHoldBuy
Analyst price target$72.75$285.39

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

YearSJW PortfolioSJW Income/yrORCL PortfolioORCL Income/yrGap
1$11,091$391.32$10,956$256.38+$135.00SJW
2$12,399$530.97$12,190$467.02+$209.00SJW
3$13,993$726.13$13,908$863.93+$85.00SJW
4← crossover$15,975$1,002.53$16,520$1,638.73$545.00ORCL
5$18,493$1,400.18$20,913$3,236.34$2.4KORCL
6$21,771$1,982.98$29,188$6,811.58$7.4KORCL
7$26,150$2,855.84$47,038$15,806.56$20.9KORCL
8$32,178$4,196.60$92,682$42,351.72$60.5KORCL
9$40,747$6,317.25$237,913$138,743.46$197.2KORCL
10$53,386$9,786.53$846,711$592,144.13$793.3KORCL

SJW vs ORCL: 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 →

ORCLTechnology

Oracle Corporation offers products and services that address enterprise information technology environments worldwide. Its Oracle cloud software as a service offering include various cloud software applications, including Oracle Fusion cloud enterprise resource planning (ERP), Oracle Fusion cloud enterprise performance management, Oracle Fusion cloud supply chain and manufacturing management, Oracle Fusion cloud human capital management, Oracle Advertising, and NetSuite applications suite, as well as Oracle Fusion Sales, Service, and Marketing. The company also offers cloud-based industry solutions for various industries; Oracle application licenses; and Oracle license support services. In addition, it provides cloud and license business' infrastructure technologies, such as the Oracle Database, an enterprise database; Java, a software development language; and middleware, including development tools and others. The company's cloud and license business' infrastructure technologies also comprise cloud-based compute, storage, and networking capabilities; and Oracle autonomous database, MySQL HeatWave, Internet-of-Things, digital assistant, and blockchain. Further, it provides hardware products and other hardware-related software offerings, including Oracle engineered systems, enterprise servers, storage solutions, industry-specific hardware, virtualization software, operating systems, management software, and related hardware services; and consulting and customer services. The company markets and sells its cloud, license, hardware, support, and services offerings directly to businesses in various industries, government agencies, and educational institutions, as well as through indirect channels. Oracle Corporation was founded in 1977 and is headquartered in Austin, Texas.

Full ORCL 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.