HomeCompareTRV vs NSC

TRV vs NSC: Dividend Comparison 2026

TRV yields 1.51% · NSC yields 1.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 NSC wins by $35.5K 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 →
NSC
NSC
● Live price
1.91%
Share price
$282.50
Annual div
$5.40
5Y div CAGR
43.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$66.7K
Annual income
$17,746.55
Full NSC calculator →

Portfolio growth — TRV vs NSC

📍 NSC 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 PeriodTRVNSC
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, TRV + NSC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TRV pays
NSC 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
NSC
Annual income on $10K today (after 15% tax)
$162.48/yr
After 10yr DRIP, annual income (after tax)
$15,084.57/yr
At 15% tax rate, NSC beats the other by $12,787.87/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TRV: 50%NSC: 50%
100% NSC50/50100% TRV
Portfolio after 10yr
$49.0K
Annual income
$10,224.28/yr
Blended yield
20.88%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NSC 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
NSC
Analyst Ratings
21
Buy
24
Hold
3
Sell
Consensus: Hold
Price Target
$315.33
+11.6% upside vs current
Range: $288.00 — $342.00
Altman Z
2.3
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
NSC buys
0
No recent congressional trades found for TRV or NSC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTRVNSC
Forward yield1.51%1.91%
Annual dividend / share$4.40$5.40
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR28.6%43.6%
Portfolio after 10y$31.2K$66.7K
Annual income after 10y$2,702.00$17,746.55
Total dividends collected$9.7K$42.2K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusHoldHold
Analyst price target$312.75$315.33

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

YearTRV PortfolioTRV Income/yrNSC PortfolioNSC Income/yrGap
1← crossover$10,894$193.90$10,974$274.49$80.00NSC
2$11,910$253.87$12,147$404.28$237.00NSC
3$13,078$333.59$13,598$600.54$520.00NSC
4$14,433$440.23$15,452$902.22$1.0KNSC
5$16,028$583.95$17,909$1,375.92$1.9KNSC
6$17,929$779.35$21,303$2,140.25$3.4KNSC
7$20,232$1,047.79$26,211$3,416.66$6.0KNSC
8$23,069$1,421.06$33,688$5,641.72$10.6KNSC
9$26,631$1,947.44$45,777$9,731.21$19.1KNSC
10$31,197$2,702.00$66,728$17,746.55$35.5KNSC

TRV vs NSC: 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.

Full TRV Calculator →

NSCStock

Norfolk Southern Corporation, together with its subsidiaries, engages in the rail transportation of raw materials, intermediate products, and finished goods in the United States. The company transports agriculture, forest, and consumer products comprising soybeans, wheat, corn, fertilizers, livestock and poultry feed, food products, food oils, flour, sweeteners, ethanol, lumber and wood products, pulp board and paper products, wood fibers, wood pulp, scrap paper, beverages, canned goods, and consumer products; chemicals consist of sulfur and related chemicals, petroleum products, chlorine and bleaching compounds, plastics, rubber, industrial chemicals, chemical wastes, and sand; metals and construction materials, such as steel, aluminum products, machinery, scrap metals, cement, aggregates, minerals, clay, transportation equipment, and military-related products; and automotive, including finished motor vehicles and automotive parts, as well as coal. It also transports overseas freight through various Atlantic and Gulf Coast ports; and provides commuter rail passenger transportation services and operates an intermodal network. As of December 31, 2021, the company operated approximately 19,300 route miles in 22 states and the District of Columbia. Norfolk Southern Corporation was incorporated in 1980 and is based in Atlanta, Georgia.

Full NSC 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.