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UPMMY vs CL: Dividend Comparison 2026

UPMMY yields 5.64% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $2.8K in total portfolio value· pulled ahead in Year 9
10 years
UPMMY
UPMMY
● Live price
5.64%
Share price
$31.41
Annual div
$1.77
5Y div CAGR
10.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$38.2K
Annual income
$2,825.29
Full UPMMY calculator →
CL
CL
● Live price
2.44%
Share price
$85.23
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.0K
Annual income
$5,451.69
Full CL calculator →

Portfolio growth — UPMMY vs CL

📍 CL pulled ahead of the other in Year 9

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 PeriodUPMMYCL
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%.
📅

Dividend Calendar Overlap

Combined, UPMMY + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UPMMY
Annual income on $10K today (after 15% tax)
$478.99/yr
After 10yr DRIP, annual income (after tax)
$2,401.50/yr
CL
Annual income on $10K today (after 15% tax)
$207.44/yr
After 10yr DRIP, annual income (after tax)
$4,633.94/yr
At 15% tax rate, CL beats the other by $2,232.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UPMMY + CL for your $10,000?

UPMMY: 50%CL: 50%
100% CL50/50100% UPMMY
Portfolio after 10yr
$39.6K
Annual income
$4,138.50/yr
Blended yield
10.46%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

UPMMY
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
2.5
Piotroski
5/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+8.5% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
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)

UPMMY buys
0
CL buys
0
No recent congressional trades found for UPMMY or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUPMMYCL
Forward yield5.64%2.44%
Annual dividend / share$1.77$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.8%28.6%
Portfolio after 10y$38.2K$41.0K
Annual income after 10y$2,825.29$5,451.69
Total dividends collected$14.7K$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: UPMMY vs CL ($10,000, DRIP)

YearUPMMY PortfolioUPMMY Income/yrCL PortfolioCL Income/yrGap
1$11,324$624.37$11,014$313.84+$310.00UPMMY
2$12,849$732.18$12,200$415.44+$649.00UPMMY
3$14,609$860.27$13,607$553.09+$1.0KUPMMY
4$16,644$1,012.82$15,301$741.41+$1.3KUPMMY
5$19,004$1,194.92$17,374$1,002.00+$1.6KUPMMY
6$21,748$1,412.80$19,958$1,367.44+$1.8KUPMMY
7$24,944$1,674.14$23,243$1,887.87+$1.7KUPMMY
8$28,679$1,988.40$27,512$2,642.43+$1.2KUPMMY
9← crossover$33,053$2,367.28$33,197$3,759.22$144.00CL
10$38,192$2,825.29$40,973$5,451.69$2.8KCL

UPMMY vs CL: Complete Analysis 2026

UPMMYStock

UPM-Kymmene Oyj engages in the forest-based bio industry. It operates through UPM Biorefining, UPM Energy, UPM Raflatac, UPM Specialty Papers, UPM Communication Papers, UPM Plywood, and Other operations segments. The company provides softwood, birch, and eucalyptus pulp for tissue, specialty, and graphic papers and packaging; sawn timber for joinery, packaging, furniture, planning, and construction industries; and wood-based renewable diesel and renewable naphtha for the petrochemical industry. It is also involved in the generation of electricity through hydro and nuclear power plants. In addition, the company offers self-adhesive label materials for branding and promotion, information, and functional labelling in the food, beverage, personal care, pharmaceutical, and logistics segments; and label papers, release base papers, office papers, and flexible packaging for labelling, packing, commercial siliconizing, and printing, as well as graphic papers for advertising, publishing, and home and office use. Further, it provides plywood and veneer products for construction, vehicle flooring, liquefied natural gas shipbuilding, and parquet manufacturing, as well as for other industrial applications; wood and wood-based biomass, and forestry services for forest investors and owners; wood-based lignin products for industrial use and cell hydrogels for 3D cell culturing; UPM ProFi decking products and UPM formi granules; and biomedical products. The company primarily operates in Europe, North America, Asia, and internationally. UPM-Kymmene Oyj was founded in 1871 and is headquartered in Helsinki, Finland.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

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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.