HomeCompareSJW vs UNH

SJW vs UNH: Dividend Comparison 2026

SJW yields 2.99% · UNH yields 3.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UNH wins by $18.94M 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 →
UNH
UNH
● Live price
3.38%
Share price
$261.79
Annual div
$8.84
5Y div CAGR
79.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$18.99M
Annual income
$16,260,594.37
Full UNH calculator →

Portfolio growth — SJW vs UNH

📍 UNH pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodSJWUNH
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 + UNH cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
UNH 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
UNH
Annual income on $10K today (after 15% tax)
$287.02/yr
After 10yr DRIP, annual income (after tax)
$13,821,505.21/yr
At 15% tax rate, UNH beats the other by $13,813,186.66/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%UNH: 50%
100% UNH50/50100% SJW
Portfolio after 10yr
$9.52M
Annual income
$8,135,190.44/yr
Blended yield
85.45%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNH 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
UNH
Analyst Ratings
1
Strong
40
Buy
7
Hold
4
Sell
Consensus: Buy
Price Target
$385.38
+47.2% upside vs current
Range: $327.00 — $444.00
Altman Z
2.7
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
UNH buys
0
No recent congressional trades found for SJW or UNH in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWUNH
Forward yield2.99%3.38%
Annual dividend / share$1.64$8.84
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%79.5%
Portfolio after 10y$53.4K$18.99M
Annual income after 10y$9,786.53$16,260,594.37
Total dividends collected$29.2K$18.74M
Payment frequencyquarterlyquarterly
SectorUtilitiesHealthcare
Analyst consensusHoldBuy
Analyst price target$72.75$385.38

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

YearSJW PortfolioSJW Income/yrUNH PortfolioUNH Income/yrGap
1← crossover$11,091$391.32$11,306$606.13$215.00UNH
2$12,399$530.97$13,247$1,149.63$848.00UNH
3$13,993$726.13$16,434$2,259.69$2.4KUNH
4$15,975$1,002.53$22,287$4,702.77$6.3KUNH
5$18,493$1,400.18$34,546$10,699.03$16.1KUNH
6$21,771$1,982.98$64,786$27,820.89$43.0KUNH
7$26,150$2,855.84$156,844$87,523.85$130.7KUNH
8$32,178$4,196.60$523,289$355,465.62$491.1KUNH
9$40,747$6,317.25$2,549,451$1,989,531.59$2.51MUNH
10$53,386$9,786.53$18,988,507$16,260,594.37$18.94MUNH

SJW vs UNH: 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 →

UNHHealthcare

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

Full UNH 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.