HomeCompareUSER vs JEPQ

USER vs JEPQ: Dividend Comparison 2026

USER yields 26.67% · JEPQ yields 11.47%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 USER wins by $63.2K in total portfolio value
10 years
USER
USER
● Live price
26.67%
Share price
$7.50
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$109.0K
Annual income
$13,011.58
Full USER calculator →
JEPQ
JPMorgan Nasdaq Equity Premium Income ETF
● Live price
11.47%
Share price
$53.77
Annual div
$6.16
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.8K
Annual income
$2,269.18
Full JEPQ calculator →

Portfolio growth — USER vs JEPQ

📍 USER 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 PeriodUSERJEPQ
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, USER + JEPQ cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

USER
Annual income on $10K today (after 15% tax)
$2,266.67/yr
After 10yr DRIP, annual income (after tax)
$11,059.84/yr
JEPQ
Annual income on $10K today (after 15% tax)
$974.55/yr
After 10yr DRIP, annual income (after tax)
$1,928.80/yr
At 15% tax rate, USER beats the other by $9,131.04/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 USER + JEPQ for your $10,000?

USER: 50%JEPQ: 50%
100% JEPQ50/50100% USER
Portfolio after 10yr
$77.4K
Annual income
$7,640.38/yr
Blended yield
9.87%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on USER right now

USER
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Price Target
$9.30
+24.0% upside vs current
Range: $7.50 — $12.00
JEPQ
No analyst data
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)

USER buys
0
JEPQ buys
0
No recent congressional trades found for USER or JEPQ in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSERJEPQ
Forward yield26.67%11.47%
Annual dividend / share$2.00$6.16
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$109.0K$45.8K
Annual income after 10y$13,011.58$2,269.18
Total dividends collected$70.9K$17.1K
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: USER vs JEPQ ($10,000, DRIP)

YearUSER PortfolioUSER Income/yrJEPQ PortfolioJEPQ Income/yrGap
1← crossover$13,367$2,666.67$11,967$1,146.53+$1.4KUSER
2$17,634$3,331.26$14,216$1,268.02+$3.4KUSER
3$22,975$4,107.16$16,774$1,392.20+$6.2KUSER
4$29,585$5,001.21$19,667$1,518.21+$9.9KUSER
5$37,674$6,018.65$22,925$1,645.21+$14.7KUSER
6$47,474$7,162.97$26,578$1,772.40+$20.9KUSER
7$59,233$8,435.77$30,656$1,899.04+$28.6KUSER
8$73,216$9,836.67$35,194$2,024.45+$38.0KUSER
9$89,705$11,363.34$40,228$2,148.01+$49.5KUSER
10$108,996$13,011.58$45,796$2,269.18+$63.2KUSER

USER vs JEPQ: Complete Analysis 2026

USERStock

UserTesting, Inc. engages in the operation of a software-as-a-service (SaaS) platform that enables organizations to know experiences of people as they engage with products, designs, apps, processes, concepts, or brands in the United States, the United Kingdom, and internationally. Its platform captures customer perspectives from targeted audiences who share their thoughts for digital, real-world, or omnichannel experiences. The company sells through a direct selling motion and field sales representatives; and inside sales organization that sells to mid-market, and small and medium-sized business customers. It serves customers in B2B and B2C technology, retail and e-commerce, consumer products, automotive, financial services, travel and hospitality, media entertainment, public, gaming, education, healthcare, transportation, food and beverage, manufacturing, and professional service industries. The company was incorporated in 2007 and is headquartered in San Francisco, California.

Full USER Calculator →

JEPQETF

The fund seeks to achieve this objective by (1) creating an actively managed portfolio of equity securities comprised significantly of those included in the fund’s primary benchmark, the Nasdaq-100 Index (the Benchmark), and (2) through equity-linked notes (ELNs), selling call options with exposure to the Benchmark. It is non-diversified.

Full JEPQ 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.