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XEL vs CF: Dividend Comparison 2026

XEL yields 2.91% · CF yields 1.45%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 XEL wins by $4.19M 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 →
CF
CF
● Live price
1.45%
Share price
$137.55
Annual div
$2.00
5Y div CAGR
67.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$279.4K
Annual income
$157,141.85
Full CF calculator →

Portfolio growth — XEL vs CF

📍 XEL 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 PeriodXELCF
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 + CF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XEL pays
CF pays
Both pay
Neither
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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
CF
Annual income on $10K today (after 15% tax)
$123.59/yr
After 10yr DRIP, annual income (after tax)
$133,570.57/yr
At 15% tax rate, XEL beats the other by $2,872,233.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XEL: 50%CF: 50%
100% CF50/50100% XEL
Portfolio after 10yr
$2.38M
Annual income
$1,846,690.90/yr
Blended yield
77.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CF 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
CF
Analyst Ratings
21
Buy
14
Hold
6
Sell
Consensus: Buy
Price Target
$91.71
-33.3% upside vs current
Range: $72.00 — $103.00
Altman Z
3.2
Piotroski
8/9
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
CF buys
0
No recent congressional trades found for XEL or CF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXELCF
Forward yield2.91%1.45%
Annual dividend / share$2.30$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%67.5%
Portfolio after 10y$4.47M$279.4K
Annual income after 10y$3,536,239.95$157,141.85
Total dividends collected$4.37M$247.3K
Payment frequencyquarterlyquarterly
SectorUtilitiesMaterials
Analyst consensusBuyBuy
Analyst price target$89.18$91.71

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

YearXEL PortfolioXEL Income/yrCF PortfolioCF Income/yrGap
1← crossover$11,206$506.37$10,944$243.55+$262.00XEL
2$12,914$923.30$12,127$417.23+$787.00XEL
3$15,549$1,731.25$13,699$723.76+$1.9KXEL
4$20,030$3,391.74$15,938$1,279.91+$4.1KXEL
5$28,540$7,108.80$19,385$2,331.05+$9.2KXEL
6$47,020$16,481.64$25,180$4,438.20+$21.8KXEL
7$94,492$44,181.13$35,967$9,024.64+$58.5KXEL
8$245,573$144,466.48$58,665$20,179.55+$186.9KXEL
9$873,658$610,894.77$114,295$51,524.02+$759.4KXEL
10$4,471,054$3,536,239.95$279,438$157,141.85+$4.19MXEL

XEL vs CF: 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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CFMaterials

CF Industries Holdings, Inc. manufactures and sells hydrogen and nitrogen products for energy, fertilizer, emissions abatement, and other industrial activities worldwide. Its principal products include anhydrous ammonia, granular urea, urea ammonium nitrate, and ammonium nitrate products. The company also offers diesel exhaust fluid, urea liquor, nitric acid, and aqua ammonia products; and compound fertilizer products with nitrogen, phosphorus, and potassium. It primarily serves cooperatives, independent fertilizer distributors, traders, wholesalers, and industrial users. The company was founded in 1946 and is headquartered in Deerfield, Illinois.

Full CF 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.