HomeCompareSPNS vs PEP

SPNS vs PEP: Dividend Comparison 2026

SPNS yields 1.38% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SPNS wins by $14.21M in total portfolio value
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 →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — SPNS vs PEP

📍 SPNS 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 PeriodSPNSPEP
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, SPNS + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SPNS pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, SPNS beats the other by $10,654,953.41/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SPNS: 50%PEP: 50%
100% PEP50/50100% SPNS
Portfolio after 10yr
$7.25M
Annual income
$6,329,495.33/yr
Blended yield
87.35%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP 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
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

SPNS buys
0
PEP buys
0
No recent congressional trades found for SPNS or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPNSPEP
Forward yield1.38%3.63%
Annual dividend / share$0.60$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$14.35M$141.9K
Annual income after 10y$12,597,114.97$61,875.67
Total dividends collected$14.19M$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold
Analyst price target$38.00$172.43

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

YearSPNS PortfolioSPNS Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$10,976$276.18$10,849$509.42+$127.00SPNS
2$12,311$566.62$11,969$750.47+$342.00SPNS
3$14,361$1,187.91$13,500$1,124.14+$861.00SPNS
4$17,956$2,590.06$15,680$1,721.66+$2.3KSPNS
5$25,266$6,053.25$18,929$2,715.34+$6.3KSPNS
6$42,956$15,920.78$24,023$4,450.80+$18.9KSPNS
7$96,556$50,592.94$32,510$7,669.92+$64.0KSPNS
8$315,880$212,565.27$47,709$14,093.60+$268.2KSPNS
9$1,637,811$1,299,819.25$77,415$28,083.48+$1.56MSPNS
10$14,349,572$12,597,114.97$141,922$61,875.67+$14.21MSPNS

SPNS vs PEP: 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 →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.