HomeCompareSPNS vs MRK

SPNS vs MRK: Dividend Comparison 2026

SPNS yields 1.38% · MRK yields 2.76%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SPNS wins by $14.29M in total portfolio value· pulled ahead in Year 4
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 →
MRK
Merck & Co. Inc.
● Live price
2.76%
Share price
$120.31
Annual div
$3.32
5Y div CAGR
32.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$56.8K
Annual income
$9,798.13
Full MRK calculator →

Portfolio growth — SPNS vs MRK

📍 SPNS pulled ahead of the other in Year 4

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 PeriodSPNSMRK
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 + MRK cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SPNS pays
MRK 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
MRK
Annual income on $10K today (after 15% tax)
$234.56/yr
After 10yr DRIP, annual income (after tax)
$8,328.41/yr
At 15% tax rate, SPNS beats the other by $10,699,219.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SPNS: 50%MRK: 50%
100% MRK50/50100% SPNS
Portfolio after 10yr
$7.20M
Annual income
$6,303,456.56/yr
Blended yield
87.51%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MRK 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
MRK
Analyst Ratings
25
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$128.54
+6.8% upside vs current
Range: $100.00 — $150.00
Altman Z
4.0
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
MRK buys
0
No recent congressional trades found for SPNS or MRK in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPNSMRK
Forward yield1.38%2.76%
Annual dividend / share$0.60$3.32
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%32.7%
Portfolio after 10y$14.35M$56.8K
Annual income after 10y$12,597,114.97$9,798.13
Total dividends collected$14.19M$28.9K
Payment frequencyquarterlyquarterly
SectorStockHealthcare
Analyst consensusHoldBuy
Analyst price target$38.00$128.54

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

YearSPNS PortfolioSPNS Income/yrMRK PortfolioMRK Income/yrGap
1$10,976$276.18$11,206$366.19$230.00MRK
2$12,311$566.62$12,650$502.35$339.00MRK
3$14,361$1,187.91$14,407$694.19$46.00MRK
4← crossover$17,956$2,590.06$16,585$967.82+$1.4KSPNS
5$25,266$6,053.25$19,342$1,363.89+$5.9KSPNS
6$42,956$15,920.78$22,913$1,947.19+$20.0KSPNS
7$96,556$50,592.94$27,662$2,823.89+$68.9KSPNS
8$315,880$212,565.27$34,159$4,173.35+$281.7KSPNS
9$1,637,811$1,299,819.25$43,337$6,308.80+$1.59MSPNS
10$14,349,572$12,597,114.97$56,776$9,798.13+$14.29MSPNS

SPNS vs MRK: 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 →

MRKHealthcare

Merck & Co., Inc. operates as a healthcare company worldwide. It operates through two segments, Pharmaceutical and Animal Health. The Pharmaceutical segment offers human health pharmaceutical products in the areas of oncology, hospital acute care, immunology, neuroscience, virology, cardiovascular, and diabetes, as well as vaccine products, such as preventive pediatric, adolescent, and adult vaccines. The Animal Health segment discovers, develops, manufactures, and markets veterinary pharmaceuticals, vaccines, and health management solutions and services, as well as digitally connected identification, traceability, and monitoring products. It serves drug wholesalers and retailers, hospitals, and government agencies; managed health care providers, such as health maintenance organizations, pharmacy benefit managers, and other institutions; and physicians and physician distributors, veterinarians, and animal producers. The company has collaborations with AstraZeneca PLC; Bayer AG; Eisai Co., Ltd.; Ridgeback Biotherapeutics; and Gilead Sciences, Inc. to jointly develop and commercialize long-acting treatments in HIV. Merck & Co., Inc. was founded in 1891 and is headquartered in Kenilworth, New Jersey.

Full MRK 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.