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XEL vs MOS: Dividend Comparison 2026

XEL yields 2.91% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $925.58M 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 →
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 — XEL 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 PeriodXELMOS
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 + MOS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XEL pays
MOS 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
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 $746,653,428.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XEL: 50%MOS: 50%
100% MOS50/50100% XEL
Portfolio after 10yr
$467.26M
Annual income
$442,744,139.26/yr
Blended yield
94.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on XEL 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
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)

XEL buys
0
MOS buys
0
No recent congressional trades found for XEL or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXELMOS
Forward yield2.91%3.52%
Annual dividend / share$2.30$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%100%
Portfolio after 10y$4.47M$930.05M
Annual income after 10y$3,536,239.95$881,952,038.58
Total dividends collected$4.37M$926.56M
Payment frequencyquarterlyquarterly
SectorUtilitiesMaterials
Analyst consensusBuyHold
Analyst price target$89.18$33.80

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

YearXEL PortfolioXEL Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,206$506.37$11,405$704.56$199.00MOS
2$12,914$923.30$13,705$1,501.91$791.00MOS
3$15,549$1,731.25$18,038$3,373.54$2.5KMOS
4$20,030$3,391.74$27,600$8,299.26$7.6KMOS
5$28,540$7,108.80$53,268$23,735.99$24.7KMOS
6$47,020$16,481.64$142,624$85,627.61$95.6KMOS
7$94,492$44,181.13$581,146$428,538.38$486.7KMOS
8$245,573$144,466.48$3,885,667$3,263,840.61$3.64MMOS
9$873,658$610,894.77$44,947,834$40,790,171.07$44.07MMOS
10$4,471,054$3,536,239.95$930,046,221$881,952,038.58$925.58MMOS

XEL vs MOS: 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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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.