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UDR vs AFL: Dividend Comparison 2026

UDR yields 5.11% · AFL yields 2.17%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AFL wins by $92.04M in total portfolio value· pulled ahead in Year 3
10 years
UDR
UDR
● Live price
5.11%
Share price
$33.66
Annual div
$1.72
5Y div CAGR
19.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.7K
Annual income
$6,549.10
Full UDR calculator →
AFL
AFL
● Live price
2.17%
Share price
$108.17
Annual div
$2.35
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$92.09M
Annual income
$84,603,960.82
Full AFL calculator →

Portfolio growth — UDR vs AFL

📍 AFL pulled ahead of the other in Year 3

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 PeriodUDRAFL
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, UDR + AFL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UDR
Annual income on $10K today (after 15% tax)
$434.34/yr
After 10yr DRIP, annual income (after tax)
$5,566.74/yr
AFL
Annual income on $10K today (after 15% tax)
$184.66/yr
After 10yr DRIP, annual income (after tax)
$71,913,366.70/yr
At 15% tax rate, AFL beats the other by $71,907,799.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UDR + AFL for your $10,000?

UDR: 50%AFL: 50%
100% AFL50/50100% UDR
Portfolio after 10yr
$46.07M
Annual income
$42,305,254.96/yr
Blended yield
91.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UDR right now

UDR
Analyst Ratings
18
Buy
17
Hold
3
Sell
Consensus: Buy
Price Target
$41.10
+22.1% upside vs current
Range: $38.00 — $44.00
Altman Z
0.7
Piotroski
8/9
AFL
Analyst Ratings
9
Buy
18
Hold
4
Sell
Consensus: Hold
Price Target
$113.83
+5.2% upside vs current
Range: $101.00 — $125.00
Altman Z
1.4
Piotroski
5/9
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)

UDR buys
9
AFL buys
7
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$UDR▼ Sell$15,001 - $50,0002025-10-07
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002025-09-29
Julie Johnson🏢 House$UDR▼ Sell$1,001 - $15,0002025-09-25
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002025-08-26
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002025-07-25
Ro Khanna🏢 House$AFL▲ Buy$1,001 - $15,0002025-07-25
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Carol Devine Miller🏢 House$AFL▲ Buy$1,001 - $15,0002025-03-10
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-01-17
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUDRAFL
Forward yield5.11%2.17%
Annual dividend / share$1.72$2.35
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.3%100%
Portfolio after 10y$49.7K$92.09M
Annual income after 10y$6,549.10$84,603,960.82
Total dividends collected$25.0K$91.49M
Payment frequencyquarterlyquarterly
SectorREITFinancials
Analyst consensusBuyHold
Analyst price target$41.10$113.83

Year-by-year: UDR vs AFL ($10,000, DRIP)

YearUDR PortfolioUDR Income/yrAFL PortfolioAFL Income/yrGap
1$11,310$609.61$11,135$434.50+$175.00UDR
2$12,870$768.70$12,818$904.29+$52.00UDR
3← crossover$14,746$975.32$15,661$1,945.86$915.00AFL
4$17,024$1,245.96$21,201$4,443.84$4.2KAFL
5$19,820$1,603.81$33,930$11,244.55$14.1KAFL
6$23,289$2,081.81$69,941$33,636.25$46.7KAFL
7$27,647$2,727.39$204,437$129,599.44$176.8KAFL
8$33,192$3,609.90$926,813$708,065.90$893.6KAFL
9$40,348$4,832.15$6,991,715$6,000,024.58$6.95MAFL
10$49,721$6,549.10$92,085,096$84,603,960.82$92.04MAFL

UDR vs AFL: Complete Analysis 2026

UDRREIT

UDR, Inc. (NYSE: UDR), an S&P 500 company, is a leading multifamily real estate investment trust with a demonstrated performance history of delivering superior and dependable returns by successfully managing, buying, selling, developing and redeveloping attractive real estate communities in targeted U.S. markets. As of September 30, 2020, UDR owned or had an ownership position in 51,649 apartment homes including 1,031 homes under development. For over 48 years, UDR has delivered long-term value to shareholders, the best standard of service to Residents and the highest quality experience for Associates.

Full UDR Calculator →

AFLFinancials

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

Full AFL 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.