HomeCompareSJW vs UPS

SJW vs UPS: Dividend Comparison 2026

SJW yields 2.99% · UPS yields 6.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UPS wins by $21.55M 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 →
UPS
UPS
● Live price
6.91%
Share price
$94.96
Annual div
$6.56
5Y div CAGR
63.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.60M
Annual income
$17,853,988.84
Full UPS calculator →

Portfolio growth — SJW vs UPS

📍 UPS 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 PeriodSJWUPS
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 + UPS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
UPS 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
UPS
Annual income on $10K today (after 15% tax)
$587.23/yr
After 10yr DRIP, annual income (after tax)
$15,175,890.51/yr
At 15% tax rate, UPS beats the other by $15,167,571.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%UPS: 50%
100% UPS50/50100% SJW
Portfolio after 10yr
$10.83M
Annual income
$8,931,887.68/yr
Blended yield
82.50%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UPS 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
UPS
Analyst Ratings
2
Strong
18
Buy
21
Hold
4
Sell
Consensus: Hold
Price Target
$110.60
+16.5% upside vs current
Range: $85.00 — $128.00
Altman Z
2.9
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
UPS buys
0
No recent congressional trades found for SJW or UPS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWUPS
Forward yield2.99%6.91%
Annual dividend / share$1.64$6.56
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%63.4%
Portfolio after 10y$53.4K$21.60M
Annual income after 10y$9,786.53$17,853,988.84
Total dividends collected$29.2K$21.26M
Payment frequencyquarterlyquarterly
SectorUtilitiesIndustrials
Analyst consensusHoldHold
Analyst price target$72.75$110.60

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

YearSJW PortfolioSJW Income/yrUPS PortfolioUPS Income/yrGap
1← crossover$11,091$391.32$11,829$1,128.85$738.00UPS
2$12,399$530.97$14,696$2,039.15$2.3KUPS
3$13,993$726.13$19,594$3,868.78$5.6KUPS
4$15,975$1,002.53$28,842$7,876.90$12.9KUPS
5$18,493$1,400.18$48,568$17,706.64$30.1KUPS
6$21,771$1,982.98$97,500$45,532.94$75.7KUPS
7$26,150$2,855.84$243,915$139,589.70$217.8KUPS
8$32,178$4,196.60$794,268$533,278.88$762.1KUPS
9$40,747$6,317.25$3,501,731$2,651,864.00$3.46MUPS
10$53,386$9,786.53$21,600,841$17,853,988.84$21.55MUPS

SJW vs UPS: 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 →

UPSIndustrials

United Parcel Service, Inc. provides letter and package delivery, transportation, logistics, and related services. It operates through two segments, U.S. Domestic Package and International Package. The U.S. Domestic Package segment offers time-definite delivery of letters, documents, small packages, and palletized freight through air and ground services in the United States. The International Package segment provides guaranteed day and time-definite international shipping services in Europe, the Asia Pacific, Canada and Latin America, the Indian sub-continent, the Middle East, and Africa. This segment offers guaranteed time-definite express options. The company also provides international air and ocean freight forwarding, customs brokerage, distribution and post-sales, and mail and consulting services in approximately 200 countries and territories. In addition, it offers truckload brokerage services; supply chain solutions to the healthcare and life sciences industry; shipping, visibility, and billing technologies; and financial and insurance services. The company operates a fleet of approximately 121,000 package cars, vans, tractors, and motorcycles; and owns 59,000 containers that are used to transport cargo in its aircraft. United Parcel Service, Inc. was founded in 1907 and is headquartered in Atlanta, Georgia.

Full UPS 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.