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UNH vs SAP: Dividend Comparison 2026

UNH yields 3.38% · SAP yields 1.76%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNH wins by $18.93M 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 →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — UNH vs SAP

📍 UNH 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 PeriodUNHSAP
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 + SAP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UNH pays
SAP pays
Both pay
Neither
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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
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, UNH beats the other by $13,808,869.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UNH: 50%SAP: 50%
100% SAP50/50100% UNH
Portfolio after 10yr
$9.52M
Annual income
$8,137,730.24/yr
Blended yield
85.44%
📊

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
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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
11
SAP buys
9
PoliticianChamberTickerTypeAmountDate
Markwayne Mullin🏛 Senate$UNH▲ Buy$50,001 - $100,0002026-02-25
Charles J. "Chuck" Fleischmann🏢 House$UNH▲ Buy$15,001 - $50,0002026-02-20
Gilbert Cisneros🏢 House$UNH▼ Sell$15,001 - $50,0002026-02-10
Josh Gottheimer🏢 House$UNH▲ Buy$1,001 - $15,0002026-02-05
Michael McCaul🏢 House$SAP▲ Buy$1,001 - $15,0002026-01-30
Michael McCaul🏢 House$SAP▲ Buy$1,001 - $15,0002026-01-13
Kevin Hern🏢 House$UNH▼ Sell$250,001 - $500,0002025-12-23
Julie Johnson🏢 House$UNH▼ Sell$1,001 - $15,0002025-12-18
Michael McCaul🏢 House$SAP▲ Buy$1,001 - $15,0002025-11-28
Julie Johnson🏢 House$UNH▼ Sell$1,001 - $15,0002025-11-13
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNHSAP
Forward yield3.38%1.76%
Annual dividend / share$8.84$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.5%43.3%
Portfolio after 10y$18.99M$60.2K
Annual income after 10y$16,260,594.37$14,866.12
Total dividends collected$18.74M$36.3K
Payment frequencyquarterlyquarterly
SectorHealthcareStock
Analyst consensusBuyBuy
Analyst price target$385.38$415.33

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

YearUNH PortfolioUNH Income/yrSAP PortfolioSAP Income/yrGap
1← crossover$11,306$606.13$10,953$252.90+$353.00UNH
2$13,247$1,149.63$12,091$370.97+$1.2KUNH
3$16,434$2,259.69$13,485$548.42+$2.9KUNH
4$22,287$4,702.77$15,249$819.21+$7.0KUNH
5$34,546$10,699.03$17,556$1,240.57+$17.0KUNH
6$64,786$27,820.89$20,698$1,912.91+$44.1KUNH
7$156,844$87,523.85$25,168$3,020.33+$131.7KUNH
8$523,289$355,465.62$31,848$4,918.38+$491.4KUNH
9$2,549,451$1,989,531.59$42,412$8,335.30+$2.51MUNH
10$18,988,507$16,260,594.37$60,247$14,866.12+$18.93MUNH

UNH vs SAP: 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 →

SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.