HomeCompareSPNS vs GIS

SPNS vs GIS: Dividend Comparison 2026

SPNS yields 1.38% · GIS yields 6.55%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SPNS wins by $14.27M in total portfolio value· pulled ahead in Year 5
10 years
SPNS
SPNS
● Live price
1.38%
Share price
$43.45
Annual div
$0.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.35M
Annual income
$12,597,114.97
Full SPNS calculator →
GIS
GIS
● Live price
6.55%
Share price
$37.11
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$79.2K
Annual income
$16,311.42
Full GIS calculator →

Portfolio growth — SPNS vs GIS

📍 SPNS 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 PeriodSPNSGIS
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, SPNS + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SPNS pays
GIS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

SPNS
Annual income on $10K today (after 15% tax)
$117.38/yr
After 10yr DRIP, annual income (after tax)
$10,707,547.72/yr
GIS
Annual income on $10K today (after 15% tax)
$556.59/yr
After 10yr DRIP, annual income (after tax)
$13,864.71/yr
At 15% tax rate, SPNS beats the other by $10,693,683.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SPNS + GIS for your $10,000?

SPNS: 50%GIS: 50%
100% GIS50/50100% SPNS
Portfolio after 10yr
$7.21M
Annual income
$6,306,713.20/yr
Blended yield
87.42%
📊

Analyst Conviction Gap

Where Wall Street is split right now

SPNS
Analyst Ratings
4
Buy
5
Hold
1
Sell
Consensus: Hold
Price Target
$38.00
-12.5% upside vs current
Range: $38.00 — $38.00
Altman Z
8.0
Piotroski
6/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.8% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
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)

SPNS buys
0
GIS buys
12
PoliticianChamberTickerTypeAmountDate
Gilbert Cisneros🏢 House$GIS▼ Sell$1,001 - $15,0002026-02-10
Gilbert Cisneros🏢 House$GIS▲ Buy$1,001 - $15,0002025-12-19
Ro Khanna🏢 House$GIS▲ Buy$1,001 - $15,0002025-09-29
Dan Newhouse🏢 House$GIS▲ Buy$1,001 - $15,0002025-08-18
Gilbert Cisneros🏢 House$GIS▼ Sell$1,001 - $15,0002025-08-05
Ro Khanna🏢 House$GIS▲ Buy$1,000 - $15,0002025-08-04
Ro Khanna🏢 House$GIS▲ Buy$1,001 - $15,0002025-07-24
Lisa McClain🏢 House$GIS▼ Sell$1,001 - $15,0002025-07-16
Lisa McClain🏢 House$GIS▲ Buy$1,001 - $15,0002025-07-10
Gilbert Cisneros🏢 House$GIS▲ Buy$1,001 - $15,0002025-07-03
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPNSGIS
Forward yield1.38%6.55%
Annual dividend / share$0.60$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.8%
Portfolio after 10y$14.35M$79.2K
Annual income after 10y$12,597,114.97$16,311.42
Total dividends collected$14.19M$51.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold
Analyst price target$38.00$47.42

Year-by-year: SPNS vs GIS ($10,000, DRIP)

YearSPNS PortfolioSPNS Income/yrGIS PortfolioGIS Income/yrGap
1$10,976$276.18$11,504$804.11$528.00GIS
2$12,311$566.62$13,371$1,061.65$1.1KGIS
3$14,361$1,187.91$15,723$1,416.15$1.4KGIS
4$17,956$2,590.06$18,735$1,911.16$779.00GIS
5← crossover$25,266$6,053.25$22,660$2,613.51+$2.6KSPNS
6$42,956$15,920.78$27,874$3,627.81+$15.1KSPNS
7$96,556$50,592.94$34,947$5,121.52+$61.6KSPNS
8$315,880$212,565.27$44,762$7,369.21+$271.1KSPNS
9$1,637,811$1,299,819.25$58,728$10,832.80+$1.58MSPNS
10$14,349,572$12,597,114.97$79,151$16,311.42+$14.27MSPNS

SPNS vs GIS: Complete Analysis 2026

SPNSStock

Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers' compensation. In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. The company markets and sells its products and services through direct and partner sales. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.

Full SPNS Calculator →

GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS 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.