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ZION vs SAP: Dividend Comparison 2026

ZION yields 3.20% · SAP yields 1.76%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SAP wins by $28.9K in total portfolio value· pulled ahead in Year 4
10 years
ZION
ZION
● Live price
3.20%
Share price
$55.59
Annual div
$1.78
5Y div CAGR
14.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.4K
Annual income
$1,892.05
Full ZION calculator →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — ZION vs SAP

📍 SAP pulled ahead of the other in Year 4

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 PeriodZIONSAP
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, ZION + SAP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ZION pays
SAP pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

ZION
Annual income on $10K today (after 15% tax)
$272.17/yr
After 10yr DRIP, annual income (after tax)
$1,608.24/yr
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, SAP beats the other by $11,027.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ZION + SAP for your $10,000?

ZION: 50%SAP: 50%
100% SAP50/50100% ZION
Portfolio after 10yr
$45.8K
Annual income
$8,379.08/yr
Blended yield
18.29%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ZION right now

ZION
Analyst Ratings
17
Buy
32
Hold
1
Sell
Consensus: Hold
Price Target
$67.00
+20.5% upside vs current
Range: $60.00 — $75.00
Altman Z
-0.6
Piotroski
6/9
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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)

ZION buys
0
SAP buys
0
No recent congressional trades found for ZION or SAP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZIONSAP
Forward yield3.20%1.76%
Annual dividend / share$1.78$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.7%43.3%
Portfolio after 10y$31.4K$60.2K
Annual income after 10y$1,892.05$14,866.12
Total dividends collected$9.4K$36.3K
Payment frequencyquarterlyquarterly
SectorStockStock
Analyst consensusHoldBuy
Analyst price target$67.00$415.33

Year-by-year: ZION vs SAP ($10,000, DRIP)

YearZION PortfolioZION Income/yrSAP PortfolioSAP Income/yrGap
1$11,067$367.27$10,953$252.90+$114.00ZION
2$12,278$435.72$12,091$370.97+$187.00ZION
3$13,655$518.16$13,485$548.42+$170.00ZION
4← crossover$15,229$617.77$15,249$819.21$20.00SAP
5$17,034$738.54$17,556$1,240.57$522.00SAP
6$19,111$885.50$20,698$1,912.91$1.6KSAP
7$21,514$1,065.02$25,168$3,020.33$3.7KSAP
8$24,305$1,285.19$31,848$4,918.38$7.5KSAP
9$27,563$1,556.42$42,412$8,335.30$14.8KSAP
10$31,385$1,892.05$60,247$14,866.12$28.9KSAP

ZION vs SAP: Complete Analysis 2026

ZIONStock

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

Full ZION Calculator →

SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.