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XEL vs COF: Dividend Comparison 2026

XEL yields 2.91% · COF yields 1.57%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $19.22M in total portfolio value· pulled ahead in Year 6
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 →
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 — XEL vs COF

📍 COF pulled ahead of the other in Year 6

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodXELCOF
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, XEL + COF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XEL pays
COF 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
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 $14,935,982.83/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XEL: 50%COF: 50%
100% COF50/50100% XEL
Portfolio after 10yr
$14.08M
Annual income
$12,322,112.19/yr
Blended yield
87.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF 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
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)

XEL buys
0
COF buys
0
No recent congressional trades found for XEL or COF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXELCOF
Forward yield2.91%1.57%
Annual dividend / share$2.30$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%100%
Portfolio after 10y$4.47M$23.69M
Annual income after 10y$3,536,239.95$21,107,984.45
Total dividends collected$4.37M$23.46M
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusBuyBuy
Analyst price target$89.18$275.50

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

YearXEL PortfolioXEL Income/yrCOF PortfolioCOF Income/yrGap
1$11,206$506.37$11,014$314.38+$192.00XEL
2$12,914$923.30$12,433$647.23+$481.00XEL
3$15,549$1,731.25$14,668$1,365.54+$881.00XEL
4$20,030$3,391.74$18,707$3,011.43+$1.3KXEL
5$28,540$7,108.80$27,195$7,178.47+$1.3KXEL
6← crossover$47,020$16,481.64$48,604$19,505.85$1.6KCOF
7$94,492$44,181.13$117,169$65,162.98$22.7KCOF
8$245,573$144,466.48$418,993$293,621.92$173.4KCOF
9$873,658$610,894.77$2,410,904$1,962,580.97$1.54MCOF
10$4,471,054$3,536,239.95$23,687,651$21,107,984.45$19.22MCOF

XEL vs COF: 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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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.