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XOM vs MSFT: Dividend Comparison 2026

XOM yields 3.58% · MSFT yields 0.72% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 MSFT wins by $30.1K in total portfolio value
10 years
XOM
Exxon Mobil Corporation
3.58%
Share price
$108.50
Annual div
$3.88
5Y div CAGR
3.5%
Payout ratio
44%
After 10 yrs · $10,000 · DRIP
Portfolio value
$46.7K
Annual income
$616.62
Full XOM calculator →
MSFT
Microsoft Corporation
0.72%
Share price
$415.20
Annual div
$3.00
5Y div CAGR
10.2%
Payout ratio
24%
After 10 yrs · $10,000 · DRIP
Portfolio value
$76.9K
Annual income
$198.68
Full MSFT calculator →

Portfolio growth — XOM vs MSFT

Annual dividend income

MetricXOMMSFT
Forward yield3.58%0.72%
Annual dividend / share$3.88$3.00
Payout ratio44%24%
1-year div growth4%10.5%
5-year div CAGR3.5%10.2%
Portfolio after 10y$46.7K$76.9K
Annual income after 10y$616.62$198.68
Total dividends collected$4.9K$1.3K
Payment frequencyquarterlyquarterly
SectorEnergyTechnology

Year-by-year: XOM vs MSFT ($10,000, DRIP)

YearXOM PortfolioXOM Income/yrMSFT PortfolioMSFT Income/yrGap
1$11,790$370.12$12,290$79.62$500.00MSFT
2$13,860$395.49$15,094$88.32$1.2KMSFT
3$16,249$421.35$18,528$97.90$2.3KMSFT
4$19,004$447.71$22,731$108.46$3.7KMSFT
5$22,178$474.56$27,874$120.09$5.7KMSFT
6$25,829$501.91$34,167$132.92$8.3KMSFT
7$30,026$529.77$41,865$147.05$11.8KMSFT
8$34,848$558.16$51,280$162.62$16.4KMSFT
9$40,383$587.10$62,793$179.77$22.4KMSFT
10$46,735$616.62$76,869$198.68$30.1KMSFT

XOM vs MSFT: Complete Analysis 2026

XOMEnergy

ExxonMobil is a Dividend Aristocrat with 42+ consecutive years of dividend increases. The world's largest publicly traded oil company benefits from integrated operations across upstream, downstream, and chemicals. Its acquisition of Pioneer Natural Resources in 2024 significantly expanded its low-cost Permian Basin production.

Full XOM Calculator →

MSFTTechnology

Microsoft has grown its dividend 10%+ annually for a decade, making it one of the best dividend growth stories in tech. Azure cloud dominance and AI integration (Copilot) drive strong cash generation. Low payout ratio of ~24% means dividends are extremely safe with significant room to grow.

Full MSFT Calculator →

Frequently Asked Questions

Is XOM or MSFT better for dividend income in 2026?
XOM currently offers a 3.58% yield (3.88/share/year) while MSFT offers 0.72% (3.00/share/year). XOM provides higher current income. However, MSFT has grown its dividend faster (10.2% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in XOM vs MSFT earn per year?
With $10,000 invested today: XOM pays approximately $358/year. MSFT pays approximately $72/year. With DRIP reinvestment over 10 years, these grow to $617/year (XOM) and $199/year (MSFT).
Does XOM or MSFT pay monthly dividends?
XOM pays quarterly dividends. MSFT pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.