CAT vs RTO: Which Is the Better Dividend Stock?
As of September 2026, CAT (Caterpillar Inc.) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. RTO offers the higher yield at 2.97%, CAT has the higher dividend-safety score, and RTO trades at the larger discount to fair value (+10%).
| Metric | CAT | RTO |
|---|---|---|
| Forward yield | 0.80% | 2.97% |
| Annual dividend | $6.52 | $0.64 |
| Payout ratio | 26% | 98% |
| Years of growth | 32 yr | 3 yr |
| 5-yr dividend growth | 7.2% | — |
| 5-yr total return | 297% | -48% |
| Dividend safety score | 92 (A) | 45 (D) |
| Fair value estimate | $492.78 | $23.53 |
| Upside to fair value | -39% | +10% |
| Frequency | quarterly | quarterly |
| Market cap | $366.0B | $10.4B |
| P/E ratio | 34.3 | 32.9 |
Higher yield
RTO
2.97%
Safer dividend
CAT
Grade A
Faster growth
CAT
7.2%
Better value
RTO
+10% upside
CAT vs RTO — FAQ
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