HomeCompareUMGNF vs CL

UMGNF vs CL: Dividend Comparison 2026

UMGNF yields 3.03% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UMGNF wins by $435.16M in total portfolio value
10 years
UMGNF
UMGNF
● Live price
3.03%
Share price
$19.71
Annual div
$0.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$435.20M
Annual income
$409,248,632.16
Full UMGNF calculator →
CL
CL
● Live price
2.44%
Share price
$85.23
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.0K
Annual income
$5,451.69
Full CL calculator →

Portfolio growth — UMGNF vs CL

📍 UMGNF 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 PeriodUMGNFCL
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, UMGNF + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UMGNF
Annual income on $10K today (after 15% tax)
$257.46/yr
After 10yr DRIP, annual income (after tax)
$347,861,337.34/yr
CL
Annual income on $10K today (after 15% tax)
$207.44/yr
After 10yr DRIP, annual income (after tax)
$4,633.94/yr
At 15% tax rate, UMGNF beats the other by $347,856,703.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UMGNF + CL for your $10,000?

UMGNF: 50%CL: 50%
100% CL50/50100% UMGNF
Portfolio after 10yr
$217.62M
Annual income
$204,627,041.93/yr
Blended yield
94.03%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

UMGNF
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$30.00
+52.2% upside vs current
Range: $30.00 — $30.00
Altman Z
1.1
Piotroski
3/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+8.5% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
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)

UMGNF buys
0
CL buys
0
No recent congressional trades found for UMGNF or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUMGNFCL
Forward yield3.03%2.44%
Annual dividend / share$0.60$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%28.6%
Portfolio after 10y$435.20M$41.0K
Annual income after 10y$409,248,632.16$5,451.69
Total dividends collected$433.28M$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyHold
Analyst price target$30.00$92.45

Year-by-year: UMGNF vs CL ($10,000, DRIP)

YearUMGNF PortfolioUMGNF Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,306$605.79$11,014$313.84+$292.00UMGNF
2$13,377$1,280.16$12,200$415.44+$1.2KUMGNF
3$17,145$2,831.27$13,607$553.09+$3.5KUMGNF
4$25,128$6,782.60$15,301$741.41+$9.8KUMGNF
5$45,467$18,580.52$17,374$1,002.00+$28.1KUMGNF
6$111,492$62,841.80$19,958$1,367.44+$91.5KUMGNF
7$407,327$288,030.73$23,243$1,887.87+$384.1KUMGNF
8$2,402,754$1,966,914.07$27,512$2,642.43+$2.38MUMGNF
9$24,257,862$21,686,915.31$33,197$3,759.22+$24.22MUMGNF
10$435,204,544$409,248,632.16$40,973$5,451.69+$435.16MUMGNF

UMGNF vs CL: Complete Analysis 2026

UMGNFStock

Universal Music Group N.V. operates as a music company worldwide. It operates through Recorded Music, Music Publishing, and Merchandising & Other segments. The Recorded Music segment discovers and develops recording artists, as well as markets and promotes their music across various formats and platforms; and engages in the live events, sponsorship, film, and television operations. The Music Publishing segment discovers and develops songwriters, as well as owns and administers the copyright for musical compositions used in recordings, public performances, and related uses, such as films and advertisements. The Merchandising & Other segment produces and sells artist and other branded products through various sales channels, including fashion retail, concert touring, and internet, as well as offers brand rights management services. The company has approximately 3 million recordings, 4 million owned and administered titles, and 250 artists/brands, as well as owns approximately 50 labels covering various music genres. The company was incorporated in 2020 and is headquartered in Hilversum, the Netherlands.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.