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UNP vs LOW: Dividend Comparison 2026

UNP yields 2.29% · LOW yields 2.04%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 LOW wins by $70.15M in total portfolio value
10 years
UNP
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 →
LOW
LOW
● Live price
2.04%
Share price
$232.58
Annual div
$4.75
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$70.22M
Annual income
$64,185,884.20
Full LOW calculator →

Portfolio growth — UNP vs LOW

📍 LOW 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 PeriodUNPLOW
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 + LOW cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UNP pays
LOW 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
LOW
Annual income on $10K today (after 15% tax)
$173.60/yr
After 10yr DRIP, annual income (after tax)
$54,558,001.57/yr
At 15% tax rate, LOW beats the other by $54,542,297.91/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UNP: 50%LOW: 50%
100% LOW50/50100% UNP
Portfolio after 10yr
$35.15M
Annual income
$32,102,179.55/yr
Blended yield
91.34%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on LOW right now

UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
Piotroski
6/9
LOW
Analyst Ratings
31
Buy
19
Hold
1
Sell
Consensus: Buy
Price Target
$288.25
+23.9% upside vs current
Range: $230.00 — $325.00
Altman Z
3.2
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)

UNP buys
0
LOW buys
0
No recent congressional trades found for UNP or LOW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNPLOW
Forward yield2.29%2.04%
Annual dividend / share$5.48$4.75
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR40.9%100%
Portfolio after 10y$69.9K$70.22M
Annual income after 10y$18,474.89$64,185,884.20
Total dividends collected$44.9K$69.74M
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary
Analyst consensusBuyBuy
Analyst price target$276.57$288.25

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

YearUNP PortfolioUNP Income/yrLOW PortfolioLOW Income/yrGap
1← crossover$11,023$322.76$11,108$408.46$85.00LOW
2$12,263$468.48$12,734$848.11$471.00LOW
3$13,808$686.31$15,443$1,817.25$1.6KLOW
4$15,792$1,017.59$20,643$4,119.23$4.9KLOW
5$18,430$1,532.54$32,380$10,292.23$13.9KLOW
6$22,075$2,355.20$64,823$30,176.08$42.7KLOW
7$27,335$3,714.82$182,277$112,916.51$154.9KLOW
8$35,306$6,057.38$788,517$593,481.00$753.2KLOW
9$48,080$10,302.43$5,642,510$4,798,796.17$5.59MLOW
10$69,920$18,474.89$70,223,370$64,185,884.20$70.15MLOW

UNP vs LOW: Complete Analysis 2026

UNPStock

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 →

LOWConsumer Discretionary

Lowe's Companies, Inc., together with its subsidiaries, operates as a home improvement retailer in the United States and internationally. The company offers a line of products for construction, maintenance, repair, remodeling, and decorating. It provides home improvement products, such as appliances, seasonal and outdoor living, lawn and garden, lumber, kitchens and bath, tools, paint, millwork, hardware, flooring, rough plumbing, building materials, decor, lighting, and electrical. It also offers installation services through independent contractors in various product categories; extended protection plans; and in-warranty and out-of-warranty repair services. The company sells its national brand-name merchandise and private brand products to homeowners, renters, and professional customers. As of January 28, 2022, it operated 1,971 home improvement and hardware stores. The company also sells its products through websites comprising Lowes.com and Lowesforpros.com; and through mobile applications. Lowe's Companies, Inc. was founded in 1921 and is based in Mooresville, North Carolina.

Full LOW 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.