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VIG vs COF: Dividend Comparison 2026

VIG yields 1.64% · COF yields 1.57%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.66M in total portfolio value· pulled ahead in Year 3
10 years
VIG
Vanguard Dividend Appreciation ETF
● Live price
1.64%
Share price
$210.70
Annual div
$3.45
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.4K
Annual income
$179.15
Full VIG calculator →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — VIG vs COF

📍 COF pulled ahead of the other in Year 3

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 PeriodVIGCOF
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, VIG + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VIG
Annual income on $10K today (after 15% tax)
$139.33/yr
After 10yr DRIP, annual income (after tax)
$152.28/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, COF beats the other by $17,941,634.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VIG + COF for your $10,000?

VIG: 50%COF: 50%
100% COF50/50100% VIG
Portfolio after 10yr
$11.86M
Annual income
$10,554,081.80/yr
Blended yield
88.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

VIG
No analyst data
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
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)

VIG buys
9
COF buys
0
PoliticianChamberTickerTypeAmountDate
Thomas R. Carper🏛 Senate$VIG▲ Buy$1,001 - $15,0002024-05-16
Lindsey Graham🏛 Senate$VIG▼ Sell$15,001 - $50,0002024-01-26
Lindsey Graham🏛 Senate$VIG▼ Sell$15,001 - $50,0002024-01-26
Lindsey Graham🏛 Senate$VIG▼ Sell$15,001 - $50,0002023-12-28
Ro Khanna🏢 House$VIG▼ Sell$15,001 - $50,0002023-05-04
K. Michael Conaway🏢 House$VIG▲ Buy$50,001 - $100,0002020-12-10
K. Michael Conaway🏢 House$VIG▲ Buy$50,001 - $100,0002020-12-10
Joe Courtney🏢 House$VIG▼ Sell$1,001 - $15,0002020-10-09
K. Michael Conaway🏢 House$VIG▼ Sell$50,001 - $100,0002020-09-08
K. Michael Conaway🏢 House$VIG▲ Buy$15,001 - $50,0002020-05-19
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVIGCOF
Forward yield1.64%1.57%
Annual dividend / share$3.45$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%100%
Portfolio after 10y$32.4K$23.69M
Annual income after 10y$179.15$21,107,984.45
Total dividends collected$1.7K$23.46M
Payment frequencyquarterlyquarterly
SectorETFFinancials

Year-by-year: VIG vs COF ($10,000, DRIP)

YearVIG PortfolioVIG Income/yrCOF PortfolioCOF Income/yrGap
1$11,304$163.92$11,014$314.38+$290.00VIG
2$12,759$166.33$12,433$647.23+$326.00VIG
3← crossover$14,382$168.52$14,668$1,365.54$286.00COF
4$16,192$170.52$18,707$3,011.43$2.5KCOF
5$18,210$172.34$27,195$7,178.47$9.0KCOF
6$20,460$173.98$48,604$19,505.85$28.1KCOF
7$22,968$175.48$117,169$65,162.98$94.2KCOF
8$25,763$176.83$418,993$293,621.92$393.2KCOF
9$28,878$178.05$2,410,904$1,962,580.97$2.38MCOF
10$32,350$179.15$23,687,651$21,107,984.45$23.66MCOF

VIG vs COF: Complete Analysis 2026

VIGETF

Seeks to track the performance of the S&P U.S. Dividend Growers Index.Passively managed, full-replication approach.Fund remains fully invested.Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VIG Calculator →

COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Full COF 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.