HomeCompareUNH vs PBFX

UNH vs PBFX: Dividend Comparison 2026

UNH yields 3.38% · PBFX yields 74.55%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNH wins by $18.95M in total portfolio value· pulled ahead in Year 5
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 →
PBFX
PBFX
● Live price
74.55%
Share price
$19.90
Annual div
$14.83
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.4K
Annual income
$13.11
Full PBFX calculator →

Portfolio growth — UNH vs PBFX

📍 UNH pulled ahead of the other in Year 5

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 PeriodUNHPBFX
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 + PBFX cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UNH pays
PBFX 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
PBFX
Annual income on $10K today (after 15% tax)
$6,336.56/yr
After 10yr DRIP, annual income (after tax)
$11.14/yr
At 15% tax rate, UNH beats the other by $13,821,494.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UNH: 50%PBFX: 50%
100% PBFX50/50100% UNH
Portfolio after 10yr
$9.51M
Annual income
$8,130,303.74/yr
Blended yield
85.47%
📊

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
PBFX
Analyst Ratings
3
Buy
4
Hold
Consensus: Hold
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
PBFX buys
0
No recent congressional trades found for UNH or PBFX in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNHPBFX
Forward yield3.38%74.55%
Annual dividend / share$8.84$14.83
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.5%-50%
Portfolio after 10y$18.99M$35.4K
Annual income after 10y$16,260,594.37$13.11
Total dividends collected$18.74M$9.3K
Payment frequencyquarterlyquarterly
SectorHealthcareStock
Analyst consensusBuyHold

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

YearUNH PortfolioUNH Income/yrPBFX PortfolioPBFX Income/yrGap
1$11,306$606.13$14,427$3,727.39$3.1KPBFX
2$13,247$1,149.63$17,950$2,512.92$4.7KPBFX
3$16,434$2,259.69$20,668$1,460.99$4.2KPBFX
4$22,287$4,702.77$22,901$786.06$614.00PBFX
5← crossover$34,546$10,699.03$24,911$407.00+$9.6KUNH
6$64,786$27,820.89$26,861$206.88+$37.9KUNH
7$156,844$87,523.85$28,846$104.24+$128.0KUNH
8$523,289$355,465.62$30,917$52.31+$492.4KUNH
9$2,549,451$1,989,531.59$33,108$26.20+$2.52MUNH
10$18,988,507$16,260,594.37$35,438$13.11+$18.95MUNH

UNH vs PBFX: 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 →

PBFXStock

PBF Logistics LP owns, leases, acquires, develops, and operates crude oil and refined petroleum products terminals, pipelines, storage facilities, and other logistics assets in the United States. It operates in two segments, Transportation and Terminaling; and Storage. The company's assets include the DCR rail terminal, a double loop track with ancillary pumping and unloading equipment; the Toledo Truck Terminal, a crude truck unloading terminal; the DCR West Rack, a heavy crude oil rail unloading facility at the Delaware city refinery; and the Toledo storage facility, which includes a propane storage and loading facility. Its assets also comprise the DCR products pipeline, an interstate petroleum products pipeline; the DCR truck rack, a truck loading rack; the San Joaquin Valley pipeline system and Paulsboro natural gas pipeline; the Toledo rail products facility, a loading and unloading rail facility; the Chalmette truck rack, a truck loading rack facility; the Chalmette rosin yard, a rail yard facility; the Paulsboro lube oil terminal, a lube oil terminal facility; and the Delaware ethanol storage facility, an ethanol storage facility. In addition, the company is involved in receiving, handling, storing, and transferring crude oil, refined products, natural gas, and intermediates. PBF Logistics LP was founded in 2012 and is headquartered in Parsippany, New Jersey.

Full PBFX 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.