HomeCompareUNH vs ALLY

UNH vs ALLY: Dividend Comparison 2026

UNH yields 3.38% · ALLY yields 3.17%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ALLY wins by $522.28M in total portfolio value
10 years
UNH
UNH
● Live price
3.38%
Share price
$261.79
Annual div
$8.84
5Y div CAGR
79.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$18.99M
Annual income
$16,260,594.37
Full UNH calculator →
ALLY
ALLY
● Live price
3.17%
Share price
$37.91
Annual div
$1.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$541.27M
Annual income
$510,298,008.94
Full ALLY calculator →

Portfolio growth — UNH vs ALLY

📍 ALLY 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 PeriodUNHALLY
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, UNH + ALLY cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UNH
Annual income on $10K today (after 15% tax)
$287.02/yr
After 10yr DRIP, annual income (after tax)
$13,821,505.21/yr
ALLY
Annual income on $10K today (after 15% tax)
$269.06/yr
After 10yr DRIP, annual income (after tax)
$433,753,307.60/yr
At 15% tax rate, ALLY beats the other by $419,931,802.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UNH + ALLY for your $10,000?

UNH: 50%ALLY: 50%
100% ALLY50/50100% UNH
Portfolio after 10yr
$280.13M
Annual income
$263,279,301.65/yr
Blended yield
93.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNH right now

UNH
Analyst Ratings
1
Strong
40
Buy
7
Hold
4
Sell
Consensus: Buy
Price Target
$385.38
+47.2% upside vs current
Range: $327.00 — $444.00
Altman Z
2.7
Piotroski
7/9
ALLY
Analyst Ratings
26
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$51.40
+35.6% upside vs current
Range: $42.00 — $57.00
Altman Z
0.0
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)

UNH buys
0
ALLY buys
0
No recent congressional trades found for UNH or ALLY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNHALLY
Forward yield3.38%3.17%
Annual dividend / share$8.84$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.5%100%
Portfolio after 10y$18.99M$541.27M
Annual income after 10y$16,260,594.37$510,298,008.94
Total dividends collected$18.74M$538.99M
Payment frequencyquarterlyquarterly
SectorHealthcareFinancials
Analyst consensusBuyBuy
Analyst price target$385.38$51.40

Year-by-year: UNH vs ALLY ($10,000, DRIP)

YearUNH PortfolioUNH Income/yrALLY PortfolioALLY Income/yrGap
1← crossover$11,306$606.13$11,333$633.08$27.00ALLY
2$13,247$1,149.63$13,467$1,341.07$220.00ALLY
3$16,434$2,259.69$17,389$2,978.76$955.00ALLY
4$22,287$4,702.77$25,795$7,189.02$3.5KALLY
5$34,546$10,699.03$47,534$19,933.39$13.0KALLY
6$64,786$27,820.89$119,520$68,658.62$54.7KALLY
7$156,844$87,523.85$450,570$322,683.15$293.7KALLY
8$523,289$355,465.62$2,755,862$2,273,751.97$2.23MALLY
9$2,549,451$1,989,531.59$28,943,461$25,994,688.52$26.39MALLY
10$18,988,507$16,260,594.37$541,267,512$510,298,008.94$522.28MALLY

UNH vs ALLY: Complete Analysis 2026

UNHHealthcare

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

Full UNH Calculator →

ALLYFinancials

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

Full ALLY 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.