The Cooper Companies (COO) RSU sell-vs-hold

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Sell at vest or hold? Compare after-tax payout from selling The Cooper Companies RSUs at vest vs. holding through the LTCG cliff at 12 months.

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Your vest

pre-IPO? enter price manually

Tax inputs

Hold strategy

1 yr
20%
20%
10.0%

Best after-tax payout — at year 1 yr

$47,709

Sell + invest wins by $4,981 over Hold 1 yr.

Estimates only. Not financial advice.

This vest pushes your top federal rate from 24% to 35%. Hover the Federal value below for the bracket-by-bracket slicing.

Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.

The hidden purchase

Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of COO today.

Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in COO. Holding past one year converts the gain to LTCG.

Sell + invest

Best payout
Vest value (shares × price)$80,000
Federal
State
Medicare−$1,160
Additional Medicare−$720
Market gain over 1 yr at 10.0%$4,451
Cap-gain tax on diversified gain — LTCG (federal + state + NIIT)−$1,251
Net at year 1 yr$47,709

Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.

Hold 1 yr

Vest value (shares × price)$80,000
Vest tax (federal + state + FICA)
Net at year 1 yr$42,728

Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.

Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.

Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.

Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.

You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.

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Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator

About The Cooper Companies

The Cooper Companies (COO) is a public Medical Device company, incorporated in Delaware and headquartered in San Ramon, CA.

Last close: $75.76 per share (as of 2026-08-19).

Equity grants at The Cooper Companies typically include restricted stock units (RSUs).

The Cooper Companies, Inc., branded as CooperCompanies, is a global medical device company headquartered in San Ramon, California. The company consists of two business units, CooperVision (CVI) which manufactures contact lenses, and CooperSurgical (CSI), which manufactures medical devices and fertility and genomic products for the women's healthcare market.

Source: Wikipedia (CC BY-SA 4.0)

The company runs two businesses with little in common: CooperVision makes contact lenses, and CooperSurgical sells fertility and women's health products to clinics. Contact lenses are a consumable bought on a recurring schedule, and the specialty segments the company concentrates on, such as lenses for astigmatism and myopia management in children, carry better pricing than commodity spheres. Fertility services demand has grown with treatment access and delayed childbearing. Manufacturing lenses at volume is capital-intensive and favors incumbents. Headquarters are in San Ramon, California.

Sources: sec.gov · en.wikipedia.org

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by The Cooper Companies.

The Cooper Companies (COO) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.

Example: 500 The Cooper Companies (COO) RSUs vesting at $75.76 per share is $37,880 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$12,122), the post-tax share value is ~$25,758. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.

All The Cooper Companies tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

The Cooper Companies equity questions

Should I sell or hold my The Cooper Companies RSUs at vest?
The Cooper Companies restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
Does The Cooper Companies grant ISOs, NSOs, or RSUs?
Equity compensation at The Cooper Companies typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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