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VLO vs MOS: Dividend Comparison 2026

VLO yields 1.83% · MOS yields 3.52%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $930.02M in total portfolio value
10 years
VLO
VLO
● Live price
1.83%
Share price
$250.27
Annual div
$4.59
5Y div CAGR
15.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.2K
Annual income
$1,007.75
Full VLO calculator →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — VLO vs MOS

📍 MOS 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 PeriodVLOMOS
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, VLO + MOS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VLO
Annual income on $10K today (after 15% tax)
$155.89/yr
After 10yr DRIP, annual income (after tax)
$856.59/yr
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $749,658,376.21/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VLO + MOS for your $10,000?

VLO: 50%MOS: 50%
100% MOS50/50100% VLO
Portfolio after 10yr
$465.04M
Annual income
$440,976,523.16/yr
Blended yield
94.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on VLO right now

VLO
Analyst Ratings
1
Strong
20
Buy
16
Hold
Consensus: Buy
Price Target
$193.75
-22.6% upside vs current
Range: $169.00 — $220.00
Altman Z
5.6
Piotroski
9/9
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
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)

VLO buys
0
MOS buys
0
No recent congressional trades found for VLO or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVLOMOS
Forward yield1.83%3.52%
Annual dividend / share$4.59$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.7%100%
Portfolio after 10y$26.2K$930.05M
Annual income after 10y$1,007.75$881,952,038.58
Total dividends collected$5.2K$926.56M
Payment frequencyquarterlyquarterly
SectorEnergyMaterials
Analyst consensusBuyHold
Analyst price target$193.75$33.80

Year-by-year: VLO vs MOS ($10,000, DRIP)

YearVLO PortfolioVLO Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$10,912$212.20$11,405$704.56$493.00MOS
2$11,926$250.38$13,705$1,501.91$1.8KMOS
3$13,057$295.90$18,038$3,373.54$5.0KMOS
4$14,321$350.30$27,600$8,299.26$13.3KMOS
5$15,739$415.45$53,268$23,735.99$37.5KMOS
6$17,335$493.71$142,624$85,627.61$125.3KMOS
7$19,136$587.97$581,146$428,538.38$562.0KMOS
8$21,178$701.85$3,885,667$3,263,840.61$3.86MMOS
9$23,500$839.87$44,947,834$40,790,171.07$44.92MMOS
10$26,153$1,007.75$930,046,221$881,952,038.58$930.02MMOS

VLO vs MOS: Complete Analysis 2026

VLOEnergy

Valero Energy Corporation manufactures, markets, and sells transportation fuels and petrochemical products in the United States, Canada, the United Kingdom, Ireland, and internationally. The company operates through three segments: Refining, Renewable Diesel, and Ethanol. It produces conventional, premium, and reformulated gasolines; gasoline meeting the specifications of the California Air Resources Board (CARB); diesel fuels, and low-sulfur and ultra-low-sulfur diesel fuels; CARB diesel; other distillates; jet fuels; blendstocks; and asphalts, petrochemicals, lubricants, and other refined petroleum products, as well as sells lube oils and natural gas liquids. As of December 31, 2021, the company owned 15 petroleum refineries with a combined throughput capacity of approximately 3.2 million barrels per day; and 12 ethanol plants with a combined ethanol production capacity of approximately 1.6 billion gallons per year. It sells its refined products through wholesale rack and bulk markets; and through approximately 7,000 outlets under the Valero, Beacon, Diamond Shamrock, Shamrock, Ultramar, and Texaco brands. The company also produces and sells ethanol, dry distiller grains, syrup, and inedible corn oil primarily to animal feed customers. In addition, it owns and operates crude oil and refined petroleum products pipelines, terminals, tanks, marine docks, truck rack bays, and other logistics assets; and owns and operates a plant that processes animal fats, used cooking oils, and inedible distillers corn oils into renewable diesel. The company was formerly known as Valero Refining and Marketing Company and changed its name to Valero Energy Corporation in August 1997. Valero Energy Corporation was founded in 1980 and is headquartered in San Antonio, Texas.

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MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS 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.