Is UNP or CF a better dividend investment in 2026?

UNP currently yields 2.29% with a 5% 5-year dividend growth rate. CF yields 1.45% with 5% growth. The better choice depends on your goal: UNP offers higher current income.

What is the dividend yield difference between UNP and CF?

UNP has a forward dividend yield of 2.29% ($5.48/share annually). CF yields 1.45% ($2.00/share annually). The yield gap is 0.84 percentage points.

Home › Compare › UNP vs CF

UNP vs CF: Dividend Comparison 2026

UNP yields 2.29% · CF yields 1.45%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CF wins by $209.5K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

UNP

● Live price

2.29%

Share price

$239.23

Annual div

$5.48

5Y div CAGR

40.9%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$69.9K

Annual income

$18,474.89

Full UNP calculator →

● Live price

1.45%

Share price

$137.55

Annual div

$2.00

5Y div CAGR

67.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$279.4K

Annual income

$157,141.85

Full CF calculator →

Portfolio growth — UNP vs CF

📍 CF pulled ahead of the other in Year 4

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 Period	UNP	CF
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, UNP + CF cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UNP pays

CF pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

UNP

Annual income on $10K today (after 15% tax)

$194.71/yr

After 10yr DRIP, annual income (after tax)

$15,703.66/yr

Annual income on $10K today (after 15% tax)

$123.59/yr

After 10yr DRIP, annual income (after tax)

$133,570.57/yr

At 15% tax rate, CF beats the other by $117,866.92/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of UNP + CF for your $10,000?

UNP: 50%CF: 50%

100% CF50/50100% UNP

Portfolio after 10yr

$174.7K

Annual income

$87,808.38/yr

Blended yield

50.27%

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Analyst Conviction Gap

Where Wall Street is most bullish on UNP right now

UNP

Analyst Ratings

Strong

Buy

Hold

Sell

Consensus: Buy

Price Target

$276.57

+15.6% upside vs current

Range: $245.00 — $311.00

Altman Z

3.9

Piotroski

6/9

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$91.71

-33.3% upside vs current

Range: $72.00 — $103.00

Altman Z

3.2

Piotroski

8/9

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)

UNP buys

CF buys

Politician	Chamber	Ticker	Type	Amount	Date
John Boozman	🏛 Senate	$UNP	▼ Sell	$1,001 - $15,000	2026-02-19
John Boozman	🏛 Senate	$UNP	▼ Sell	$1,001 - $15,000	2026-01-29
John Boozman	🏛 Senate	$UNP	▼ Sell	$1,001 - $15,000	2026-01-29
Julie Johnson	🏢 House	$UNP	▼ Sell	$1,001 - $15,000	2025-12-18
Julie Johnson	🏢 House	$UNP	▼ Sell	$1,001 - $15,000	2025-11-13
Scott Mr Franklin	🏢 House	$UNP	▲ Buy	$1,001 - $15,000	2025-10-14
Scott Mr Franklin	🏢 House	$UNP	▲ Buy	$50,001 - $100,000	2025-10-14
Scott Mr Franklin	🏢 House	$UNP	▲ Buy	$1,001 - $15,000	2025-10-14
Ro Khanna	🏢 House	$UNP	▼ Sell	$1,001 - $15,000	2025-09-05
Ro Khanna	🏢 House	$UNP	▲ Buy	$15,001 - $50,000	2025-08-26

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUNPCF

Forward yield	2.29% ✓	1.45%
Annual dividend / share	$5.48 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	40.9%	67.5% ✓
Portfolio after 10y	$69.9K	$279.4K ✓
Annual income after 10y	$18,474.89	$157,141.85 ✓
Total dividends collected	$44.9K	$247.3K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Materials
Analyst consensus	Buy	Buy
Analyst price target	$276.57 ✓	$91.71

Year-by-year: UNP vs CF ($10,000, DRIP)

Year	UNP Portfolio	UNP Income/yr	CF Portfolio	CF Income/yr	Gap
1	$11,023	$322.76	$10,944	$243.55	+$79.00 → UNP
2	$12,263	$468.48	$12,127	$417.23	+$136.00 → UNP
3	$13,808	$686.31	$13,699	$723.76	+$109.00 → UNP
4← crossover	$15,792	$1,017.59	$15,938	$1,279.91	$146.00 → CF
5	$18,430	$1,532.54	$19,385	$2,331.05	$955.00 → CF
6	$22,075	$2,355.20	$25,180	$4,438.20	$3.1K → CF
7	$27,335	$3,714.82	$35,967	$9,024.64	$8.6K → CF
8	$35,306	$6,057.38	$58,665	$20,179.55	$23.4K → CF
9	$48,080	$10,302.43	$114,295	$51,524.02	$66.2K → CF
10	$69,920	$18,474.89	$279,438	$157,141.85	$209.5K → CF

UNP vs CF: Complete Analysis 2026

UNP — Stock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

Full UNP Calculator →

CF — Materials

CF Industries Holdings, Inc. manufactures and sells hydrogen and nitrogen products for energy, fertilizer, emissions abatement, and other industrial activities worldwide. Its principal products include anhydrous ammonia, granular urea, urea ammonium nitrate, and ammonium nitrate products. The company also offers diesel exhaust fluid, urea liquor, nitric acid, and aqua ammonia products; and compound fertilizer products with nitrogen, phosphorus, and potassium. It primarily serves cooperatives, independent fertilizer distributors, traders, wholesalers, and industrial users. The company was founded in 1946 and is headquartered in Deerfield, Illinois.

Full CF 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.