HomeCompareSPYD vs CNI

SPYD vs CNI: Dividend Comparison 2026

SPYD yields 4.41% · CNI yields 2.56%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CNI wins by $225.1K in total portfolio value· pulled ahead in Year 2
10 years
SPYD
SPYD
● Live price
4.41%
Share price
$45.11
Annual div
$1.99
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.7K
Annual income
$584.62
Full SPYD calculator →
CNI
CNI
● Live price
2.56%
Share price
$101.33
Annual div
$2.60
5Y div CAGR
54.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$251.8K
Annual income
$126,929.80
Full CNI calculator →

Portfolio growth — SPYD vs CNI

📍 CNI pulled ahead of the other in Year 2

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 PeriodSPYDCNI
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, SPYD + CNI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SPYD
Annual income on $10K today (after 15% tax)
$374.62/yr
After 10yr DRIP, annual income (after tax)
$496.93/yr
CNI
Annual income on $10K today (after 15% tax)
$217.91/yr
After 10yr DRIP, annual income (after tax)
$107,890.33/yr
At 15% tax rate, CNI beats the other by $107,393.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SPYD + CNI for your $10,000?

SPYD: 50%CNI: 50%
100% CNI50/50100% SPYD
Portfolio after 10yr
$139.2K
Annual income
$63,757.21/yr
Blended yield
45.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CNI right now

SPYD
No analyst data
CNI
Analyst Ratings
16
Buy
32
Hold
3
Sell
Consensus: Hold
Price Target
$101.33
0.0% upside vs current
Range: $100.00 — $103.00
Altman Z
2.5
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)

SPYD buys
0
CNI buys
0
No recent congressional trades found for SPYD or CNI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPYDCNI
Forward yield4.41%2.56%
Annual dividend / share$1.99$2.60
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%54.6%
Portfolio after 10y$26.7K$251.8K
Annual income after 10y$584.62$126,929.80
Total dividends collected$5.2K$218.3K
Payment frequencyquarterlyquarterly
SectorETFStock

Year-by-year: SPYD vs CNI ($10,000, DRIP)

YearSPYD PortfolioSPYD Income/yrCNI PortfolioCNI Income/yrGap
1$11,141$440.73$11,096$396.34+$45.00SPYD
2← crossover$12,379$458.88$12,509$635.44$130.00CNI
3$13,723$476.54$14,419$1,034.97$696.00CNI
4$15,177$493.69$17,152$1,723.80$2.0KCNI
5$16,750$510.29$21,316$2,962.74$4.6KCNI
6$18,448$526.32$28,128$5,319.82$9.7KCNI
7$20,281$541.78$40,239$10,142.77$20.0KCNI
8$22,258$556.65$64,021$20,965.26$41.8KCNI
9$24,387$570.93$116,698$48,194.81$92.3KCNI
10$26,678$584.62$251,796$126,929.80$225.1KCNI

SPYD vs CNI: Complete Analysis 2026

SPYDETF

The State Street SPDR Portfolio S&P 500 High Dividend ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P 500 High Dividend Index (the "Index")A low cost ETF that seeks to provide a high level of dividend income and the opportunity for capital appreciationThe Index is designed to measure the performance of the top 80 high dividend-yielding companies within the S&P 500 IndexOne of the low cost core State Street SPDR Portfolio ETFs, a suite of portfolio building blocks designed to provide broad, diversified exposure to core asset classes

Full SPYD Calculator →

CNIStock

Canadian National Railway Company, together with its subsidiaries, engages in the rail and related transportation business. The company's portfolio of goods includes petroleum and chemicals, grain and fertilizers, coal, metals and minerals, forest products, intermodal, and automotive products serving exporters, importers, retailers, farmers, and manufacturers. It operates a network of 19,500 route miles of track spanning Canada and the United States. The company also provides vessels and docks, transloading and distribution, automotive logistics, and freight forwarding and transportation management services. Canadian National Railway Company was incorporated in 1919 and is headquartered in Montreal, Canada.

Full CNI 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.