HomeCompareXEL vs LOW

XEL vs LOW: Dividend Comparison 2026

XEL yields 2.91% · LOW yields 2.04%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 LOW wins by $65.75M in total portfolio value· pulled ahead in Year 4
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 →
LOW
LOW
● Live price
2.04%
Share price
$232.58
Annual div
$4.75
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$70.22M
Annual income
$64,185,884.20
Full LOW calculator →

Portfolio growth — XEL vs LOW

📍 LOW pulled ahead of the other in Year 4

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 PeriodXELLOW
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 + LOW cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XEL pays
LOW 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
LOW
Annual income on $10K today (after 15% tax)
$173.60/yr
After 10yr DRIP, annual income (after tax)
$54,558,001.57/yr
At 15% tax rate, LOW beats the other by $51,552,197.61/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XEL: 50%LOW: 50%
100% LOW50/50100% XEL
Portfolio after 10yr
$37.35M
Annual income
$33,861,062.07/yr
Blended yield
90.67%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on LOW 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
LOW
Analyst Ratings
31
Buy
19
Hold
1
Sell
Consensus: Buy
Price Target
$288.25
+23.9% upside vs current
Range: $230.00 — $325.00
Altman Z
3.2
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
LOW buys
0
No recent congressional trades found for XEL or LOW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXELLOW
Forward yield2.91%2.04%
Annual dividend / share$2.30$4.75
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%100%
Portfolio after 10y$4.47M$70.22M
Annual income after 10y$3,536,239.95$64,185,884.20
Total dividends collected$4.37M$69.74M
Payment frequencyquarterlyquarterly
SectorUtilitiesConsumer Discretionary
Analyst consensusBuyBuy
Analyst price target$89.18$288.25

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

YearXEL PortfolioXEL Income/yrLOW PortfolioLOW Income/yrGap
1$11,206$506.37$11,108$408.46+$98.00XEL
2$12,914$923.30$12,734$848.11+$180.00XEL
3$15,549$1,731.25$15,443$1,817.25+$106.00XEL
4← crossover$20,030$3,391.74$20,643$4,119.23$613.00LOW
5$28,540$7,108.80$32,380$10,292.23$3.8KLOW
6$47,020$16,481.64$64,823$30,176.08$17.8KLOW
7$94,492$44,181.13$182,277$112,916.51$87.8KLOW
8$245,573$144,466.48$788,517$593,481.00$542.9KLOW
9$873,658$610,894.77$5,642,510$4,798,796.17$4.77MLOW
10$4,471,054$3,536,239.95$70,223,370$64,185,884.20$65.75MLOW

XEL vs LOW: 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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LOWConsumer Discretionary

Lowe's Companies, Inc., together with its subsidiaries, operates as a home improvement retailer in the United States and internationally. The company offers a line of products for construction, maintenance, repair, remodeling, and decorating. It provides home improvement products, such as appliances, seasonal and outdoor living, lawn and garden, lumber, kitchens and bath, tools, paint, millwork, hardware, flooring, rough plumbing, building materials, decor, lighting, and electrical. It also offers installation services through independent contractors in various product categories; extended protection plans; and in-warranty and out-of-warranty repair services. The company sells its national brand-name merchandise and private brand products to homeowners, renters, and professional customers. As of January 28, 2022, it operated 1,971 home improvement and hardware stores. The company also sells its products through websites comprising Lowes.com and Lowesforpros.com; and through mobile applications. Lowe's Companies, Inc. was founded in 1921 and is based in Mooresville, North Carolina.

Full LOW 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.