HomeCompareXEL vs UPS

XEL vs UPS: Dividend Comparison 2026

XEL yields 2.91% · UPS yields 6.91%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UPS wins by $17.13M 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 →
UPS
UPS
● Live price
6.91%
Share price
$94.96
Annual div
$6.56
5Y div CAGR
63.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.60M
Annual income
$17,853,988.84
Full UPS calculator →

Portfolio growth — XEL vs UPS

📍 UPS pulled ahead of the other in Year 1

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 PeriodXELUPS
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 + UPS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XEL pays
UPS 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
UPS
Annual income on $10K today (after 15% tax)
$587.23/yr
After 10yr DRIP, annual income (after tax)
$15,175,890.51/yr
At 15% tax rate, UPS beats the other by $12,170,086.56/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XEL: 50%UPS: 50%
100% UPS50/50100% XEL
Portfolio after 10yr
$13.04M
Annual income
$10,695,114.39/yr
Blended yield
82.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UPS 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
UPS
Analyst Ratings
2
Strong
18
Buy
21
Hold
4
Sell
Consensus: Hold
Price Target
$110.60
+16.5% upside vs current
Range: $85.00 — $128.00
Altman Z
2.9
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
UPS buys
0
No recent congressional trades found for XEL or UPS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXELUPS
Forward yield2.91%6.91%
Annual dividend / share$2.30$6.56
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR74.1%63.4%
Portfolio after 10y$4.47M$21.60M
Annual income after 10y$3,536,239.95$17,853,988.84
Total dividends collected$4.37M$21.26M
Payment frequencyquarterlyquarterly
SectorUtilitiesIndustrials
Analyst consensusBuyHold
Analyst price target$89.18$110.60

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

YearXEL PortfolioXEL Income/yrUPS PortfolioUPS Income/yrGap
1← crossover$11,206$506.37$11,829$1,128.85$623.00UPS
2$12,914$923.30$14,696$2,039.15$1.8KUPS
3$15,549$1,731.25$19,594$3,868.78$4.0KUPS
4$20,030$3,391.74$28,842$7,876.90$8.8KUPS
5$28,540$7,108.80$48,568$17,706.64$20.0KUPS
6$47,020$16,481.64$97,500$45,532.94$50.5KUPS
7$94,492$44,181.13$243,915$139,589.70$149.4KUPS
8$245,573$144,466.48$794,268$533,278.88$548.7KUPS
9$873,658$610,894.77$3,501,731$2,651,864.00$2.63MUPS
10$4,471,054$3,536,239.95$21,600,841$17,853,988.84$17.13MUPS

XEL vs UPS: 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.

Full XEL Calculator →

UPSIndustrials

United Parcel Service, Inc. provides letter and package delivery, transportation, logistics, and related services. It operates through two segments, U.S. Domestic Package and International Package. The U.S. Domestic Package segment offers time-definite delivery of letters, documents, small packages, and palletized freight through air and ground services in the United States. The International Package segment provides guaranteed day and time-definite international shipping services in Europe, the Asia Pacific, Canada and Latin America, the Indian sub-continent, the Middle East, and Africa. This segment offers guaranteed time-definite express options. The company also provides international air and ocean freight forwarding, customs brokerage, distribution and post-sales, and mail and consulting services in approximately 200 countries and territories. In addition, it offers truckload brokerage services; supply chain solutions to the healthcare and life sciences industry; shipping, visibility, and billing technologies; and financial and insurance services. The company operates a fleet of approximately 121,000 package cars, vans, tractors, and motorcycles; and owns 59,000 containers that are used to transport cargo in its aircraft. United Parcel Service, Inc. was founded in 1907 and is headquartered in Atlanta, Georgia.

Full UPS 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.