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TRV vs COF: Dividend Comparison 2026

TRV yields 1.51% · COF yields 1.57%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.66M in total portfolio value
10 years
TRV
TRV
● Live price
1.51%
Share price
$291.82
Annual div
$4.40
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.2K
Annual income
$2,702.00
Full TRV calculator →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — TRV vs COF

📍 COF pulled ahead of the other in Year 1

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 PeriodTRVCOF
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, TRV + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TRV
Annual income on $10K today (after 15% tax)
$128.16/yr
After 10yr DRIP, annual income (after tax)
$2,296.70/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, COF beats the other by $17,939,490.08/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TRV + COF for your $10,000?

TRV: 50%COF: 50%
100% COF50/50100% TRV
Portfolio after 10yr
$11.86M
Annual income
$10,555,343.22/yr
Blended yield
89.00%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

TRV
Analyst Ratings
1
Strong
12
Buy
27
Hold
3
Sell
Consensus: Hold
Price Target
$312.75
+7.2% upside vs current
Range: $304.00 — $317.00
Altman Z
1.6
Piotroski
6/9
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
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)

TRV buys
0
COF buys
0
No recent congressional trades found for TRV or COF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTRVCOF
Forward yield1.51%1.57%
Annual dividend / share$4.40$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR28.6%100%
Portfolio after 10y$31.2K$23.69M
Annual income after 10y$2,702.00$21,107,984.45
Total dividends collected$9.7K$23.46M
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusHoldBuy
Analyst price target$312.75$275.50

Year-by-year: TRV vs COF ($10,000, DRIP)

YearTRV PortfolioTRV Income/yrCOF PortfolioCOF Income/yrGap
1← crossover$10,894$193.90$11,014$314.38$120.00COF
2$11,910$253.87$12,433$647.23$523.00COF
3$13,078$333.59$14,668$1,365.54$1.6KCOF
4$14,433$440.23$18,707$3,011.43$4.3KCOF
5$16,028$583.95$27,195$7,178.47$11.2KCOF
6$17,929$779.35$48,604$19,505.85$30.7KCOF
7$20,232$1,047.79$117,169$65,162.98$96.9KCOF
8$23,069$1,421.06$418,993$293,621.92$395.9KCOF
9$26,631$1,947.44$2,410,904$1,962,580.97$2.38MCOF
10$31,197$2,702.00$23,687,651$21,107,984.45$23.66MCOF

TRV vs COF: Complete Analysis 2026

TRVFinancials

The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United states and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

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COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Full COF 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.