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XEL vs ALLY: Dividend Comparison 2026

XEL yields 2.91% · ALLY yields 3.17%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ALLY wins by $536.80M in total portfolio value
10 years
XEL
XEL
● Live price
2.91%
Share price
$79.17
Annual div
$2.30
5Y div CAGR
74.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.47M
Annual income
$3,536,239.95
Full XEL calculator →
ALLY
ALLY
● Live price
3.17%
Share price
$37.91
Annual div
$1.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$541.27M
Annual income
$510,298,008.94
Full ALLY calculator →

Portfolio growth — XEL vs ALLY

📍 ALLY 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 PeriodXELALLY
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, XEL + ALLY cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XEL
Annual income on $10K today (after 15% tax)
$247.22/yr
After 10yr DRIP, annual income (after tax)
$3,005,803.96/yr
ALLY
Annual income on $10K today (after 15% tax)
$269.06/yr
After 10yr DRIP, annual income (after tax)
$433,753,307.60/yr
At 15% tax rate, ALLY beats the other by $430,747,503.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of XEL + ALLY for your $10,000?

XEL: 50%ALLY: 50%
100% ALLY50/50100% XEL
Portfolio after 10yr
$272.87M
Annual income
$256,917,124.44/yr
Blended yield
94.15%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ALLY right now

XEL
Analyst Ratings
16
Buy
8
Hold
2
Sell
Consensus: Buy
Price Target
$89.18
+12.7% upside vs current
Range: $82.00 — $95.00
Altman Z
0.9
Piotroski
3/9
ALLY
Analyst Ratings
26
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$51.40
+35.6% upside vs current
Range: $42.00 — $57.00
Altman Z
0.0
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)

XEL buys
0
ALLY buys
0
No recent congressional trades found for XEL or ALLY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXELALLY
Forward yield2.91%3.17%
Annual dividend / share$2.30$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%100%
Portfolio after 10y$4.47M$541.27M
Annual income after 10y$3,536,239.95$510,298,008.94
Total dividends collected$4.37M$538.99M
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusBuyBuy
Analyst price target$89.18$51.40

Year-by-year: XEL vs ALLY ($10,000, DRIP)

YearXEL PortfolioXEL Income/yrALLY PortfolioALLY Income/yrGap
1← crossover$11,206$506.37$11,333$633.08$127.00ALLY
2$12,914$923.30$13,467$1,341.07$553.00ALLY
3$15,549$1,731.25$17,389$2,978.76$1.8KALLY
4$20,030$3,391.74$25,795$7,189.02$5.8KALLY
5$28,540$7,108.80$47,534$19,933.39$19.0KALLY
6$47,020$16,481.64$119,520$68,658.62$72.5KALLY
7$94,492$44,181.13$450,570$322,683.15$356.1KALLY
8$245,573$144,466.48$2,755,862$2,273,751.97$2.51MALLY
9$873,658$610,894.77$28,943,461$25,994,688.52$28.07MALLY
10$4,471,054$3,536,239.95$541,267,512$510,298,008.94$536.80MALLY

XEL vs ALLY: Complete Analysis 2026

XELUtilities

Xcel Energy Inc., through its subsidiaries, generates, purchases, transmits, distributes, and sells electricity. It operates through Regulated Electric Utility, Regulated Natural Gas Utility, and All Other segments. The company generates electricity through coal, nuclear, natural gas, hydroelectric, solar, biomass, oil, wood/refuse, and wind energy sources. It also purchases, transports, distributes, and sells natural gas to retail customers, as well as transports customer-owned natural gas. In addition, the company develops and leases natural gas pipelines, and storage and compression facilities; and invests in rental housing projects, as well as procures equipment for the construction of renewable generation facilities. It serves residential, commercial, and industrial customers in the portions of Colorado, Michigan, Minnesota, New Mexico, North Dakota, South Dakota, Texas, and Wisconsin. The company sells electricity to approximately 3.7 million customers; and natural gas to approximately 2.1 million customers. Xcel Energy Inc. was incorporated in 1909 and is headquartered in Minneapolis, Minnesota.

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ALLYFinancials

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

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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.