About PIMCO Credit Opportunities Bond Fund Class INSTL (PCARX) — Dividend Analysis 2026
The fund invests at least 80% of its assets in a diversified portfolio of Fixed Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts or swap agreements. It may invest in both investment grade and high yield securities ("junk bonds") subject to a maximum of 50% of its total assets in securities rated below B- by Moody's, or equivalently rated by S&P or Fitch, or, if unrated, determined by PIMCO to be of comparable quality.
Is PCARX a good dividend investment in 2026?
PCARX offers a 4.97% forward yield with a 50% payout ratio. Strand Safety Score: 55/100 (Moderate Risk). The 5-year dividend CAGR of 30.6% demonstrates strong, consistent growth that outpaces inflation.
PCARX DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your PCARX portfolio grows to $394.3K vs $307.6K without reinvestment. This is the compound interest effect in action.
PCARX dividend growth history & forecast
PCARX has grown its dividend by 0% over the last year and 30.6% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 4.97%.
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum-0.0B → -0.2B → +0.2B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
55
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 PCARX Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PCARX.
Gross yield
4.97%
Tax rate
15.00%
After-tax yield
4.22%
Real yield (−CPI)
1.42%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
4.97%
2.17%
$497 / yr
🇺🇸 US Taxable (15%) ✓
15%
4.22%
1.42%
$422 / yr
🇺🇸 US Taxable (20%)
20%
3.98%
1.18%
$398 / yr
🇬🇧 UK ISA
0%
4.97%
2.17%
$497 / yr
🇬🇧 UK Taxable
8.75%
4.54%
1.74%
$454 / yr
🇨🇦 TFSA
0%
4.97%
2.17%
$497 / yr
🇨🇦 CA Taxable
25%
3.73%
0.93%
$373 / yr
🇦🇺 Super (pension)
15%
4.22%
1.42%
$422 / yr
🇦🇺 AU Taxable
30%
3.48%
0.68%
$348 / yr
🇩🇪 DE Taxable
26.375%
3.66%
0.86%
$366 / yr
🇫🇷 FR Taxable
30%
3.48%
0.68%
$348 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PCARX Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your PCARX investment of $9.52/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$29.8K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$27.4K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in PCARX for:
Shares needed
59,722
Capital required
$568,553
Monthly income
$2,000
Based on current dividend of $0.47/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PCARX Dividend Payment Schedule
PCARX pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.00 / payment
$4.02 / year after tax
100 shares
$10.05 / payment
$40.19 / year after tax
1,000 shares
$100.47 / payment
$401.86 / year after tax
📊 PCARX vs Financial Services Benchmarks
How PCARX compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+2.07% vs sectorBetter
PCARX
4.97%
avg
2.90%
5Y Dividend CAGR▲+23.50% vs sectorBetter
PCARX
30.60%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
PCARX
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PCARX sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PCARX Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.10
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
3/9
🔴 Weak fundamentals — dividend safety concern
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PCARX dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →