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UDR vs XEL: Dividend Comparison 2026

UDR yields 5.11% · XEL yields 2.91%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XEL wins by $4.42M in total portfolio value· pulled ahead in Year 2
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 →
XEL
XEL
● Live price
2.91%
Share price
$79.17
Annual div
$2.30
5Y div CAGR
74.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.47M
Annual income
$3,536,239.95
Full XEL calculator →

Portfolio growth — UDR vs XEL

📍 XEL 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 PeriodUDRXEL
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 + XEL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UDR pays
XEL pays
Both pay
Neither
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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
XEL
Annual income on $10K today (after 15% tax)
$247.22/yr
After 10yr DRIP, annual income (after tax)
$3,005,803.96/yr
At 15% tax rate, XEL beats the other by $3,000,237.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UDR: 50%XEL: 50%
100% XEL50/50100% UDR
Portfolio after 10yr
$2.26M
Annual income
$1,771,394.52/yr
Blended yield
78.37%
📊

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
XEL
Analyst Ratings
16
Buy
8
Hold
2
Sell
Consensus: Buy
Price Target
$89.18
+12.7% upside vs current
Range: $82.00 — $95.00
Altman Z
0.9
Piotroski
3/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UDR buys
9
XEL buys
0
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 - $15,0002025-07-25
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002023-11-03
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002023-10-31
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002023-10-10
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002023-09-06
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002023-08-03
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUDRXEL
Forward yield5.11%2.91%
Annual dividend / share$1.72$2.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.3%74.1%
Portfolio after 10y$49.7K$4.47M
Annual income after 10y$6,549.10$3,536,239.95
Total dividends collected$25.0K$4.37M
Payment frequencyquarterlyquarterly
SectorREITUtilities
Analyst consensusBuyBuy
Analyst price target$41.10$89.18

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

YearUDR PortfolioUDR Income/yrXEL PortfolioXEL Income/yrGap
1$11,310$609.61$11,206$506.37+$104.00UDR
2← crossover$12,870$768.70$12,914$923.30$44.00XEL
3$14,746$975.32$15,549$1,731.25$803.00XEL
4$17,024$1,245.96$20,030$3,391.74$3.0KXEL
5$19,820$1,603.81$28,540$7,108.80$8.7KXEL
6$23,289$2,081.81$47,020$16,481.64$23.7KXEL
7$27,647$2,727.39$94,492$44,181.13$66.8KXEL
8$33,192$3,609.90$245,573$144,466.48$212.4KXEL
9$40,348$4,832.15$873,658$610,894.77$833.3KXEL
10$49,721$6,549.10$4,471,054$3,536,239.95$4.42MXEL

UDR vs XEL: 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 →

XELUtilities

Xcel Energy Inc., through its subsidiaries, generates, purchases, transmits, distributes, and sells electricity. It operates through Regulated Electric Utility, Regulated Natural Gas Utility, and All Other segments. The company generates electricity through coal, nuclear, natural gas, hydroelectric, solar, biomass, oil, wood/refuse, and wind energy sources. It also purchases, transports, distributes, and sells natural gas to retail customers, as well as transports customer-owned natural gas. In addition, the company develops and leases natural gas pipelines, and storage and compression facilities; and invests in rental housing projects, as well as procures equipment for the construction of renewable generation facilities. It serves residential, commercial, and industrial customers in the portions of Colorado, Michigan, Minnesota, New Mexico, North Dakota, South Dakota, Texas, and Wisconsin. The company sells electricity to approximately 3.7 million customers; and natural gas to approximately 2.1 million customers. Xcel Energy Inc. was incorporated in 1909 and is headquartered in Minneapolis, Minnesota.

Full XEL 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.