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ACC vs GBDC: Dividend Comparison 2026

ACC yields 40.94% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $19.50M in total portfolio value· pulled ahead in Year 7
10 years
ACC
ACC
● Live price
40.94%
Share price
$65.42
Annual div
$26.78
5Y div CAGR
11.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.35M
Annual income
$527,925.04
Full ACC calculator →
GBDC
GBDC
● Live price
11.86%
Share price
$12.65
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.85M
Annual income
$16,450,733.83
Full GBDC calculator →

Portfolio growth — ACC vs GBDC

📍 GBDC pulled ahead of the other in Year 7

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 PeriodACCGBDC
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, ACC + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ACC
Annual income on $10K today (after 15% tax)
$3,479.85/yr
After 10yr DRIP, annual income (after tax)
$448,736.28/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.91/yr
After 10yr DRIP, annual income (after tax)
$13,983,123.76/yr
At 15% tax rate, GBDC beats the other by $13,534,387.47/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ACC + GBDC for your $10,000?

ACC: 50%GBDC: 50%
100% GBDC50/50100% ACC
Portfolio after 10yr
$11.10M
Annual income
$8,489,329.44/yr
Blended yield
76.47%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ACC right now

ACC
Analyst Ratings
11
Buy
10
Hold
1
Sell
Consensus: Buy
Price Target
$65.49
+0.1% upside vs current
Range: $65.47 — $65.50
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.7% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
Piotroski
6/9
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)

ACC buys
0
GBDC buys
0
PoliticianChamberTickerTypeAmountDate
Diana Harshbarger🏢 House$ACC▼ Sell$1,001 - $15,0002022-08-10
Diana Harshbarger🏢 House$ACC▼ Sell$1,001 - $15,0002022-08-10
Diana Harshbarger🏢 House$ACC▼ Sell$1,001 - $15,0002022-08-10
Diana Harshbarger🏢 House$ACC▼ Sell$1,001 - $15,0002022-04-05
Diana Harshbarger🏢 House$ACC▼ Sell$1,001 - $15,0002022-04-05
Josh Gottheimer🏢 House$ACC▼ Sell$1,001 - $15,0002017-08-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricACCGBDC
Forward yield40.94%11.86%
Annual dividend / share$26.78$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR11.9%51.1%
Portfolio after 10y$1.35M$20.85M
Annual income after 10y$527,925.04$16,450,733.83
Total dividends collected$1.21M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy
Analyst price target$65.49$14.00

Year-by-year: ACC vs GBDC ($10,000, DRIP)

YearACC PortfolioACC Income/yrGBDC PortfolioGBDC Income/yrGap
1$15,281$4,581.13$12,492$1,791.70+$2.8KACC
2$23,672$7,321.06$16,527$3,160.58+$7.1KACC
3$37,189$11,860.35$23,588$5,904.90+$13.6KACC
4$59,279$19,486.26$37,141$11,901.65+$22.1KACC
5$95,911$32,483.03$66,205$26,463.38+$29.7KACC
6$157,588$54,963.40$137,452$66,612.65+$20.1KACC
7← crossover$263,064$94,444.05$342,372$195,298.53$79.3KGBDC
8$446,354$164,875.99$1,053,292$686,954.33$606.9KGBDC
9$770,164$292,565.00$4,111,439$2,984,416.95$3.34MGBDC
10$1,352,001$527,925.04$20,849,974$16,450,733.83$19.50MGBDC

ACC vs GBDC: Complete Analysis 2026

ACCStock

American Campus Communities, Inc. is the largest owner, manager and developer of high-quality student housing communities in the United States. The company is a fully integrated, self-managed and self-administered equity real estate investment trust (REIT) with expertise in the design, finance, development, construction management and operational management of student housing properties. As of September 30, 2020, American Campus Communities owned 166 student housing properties containing approximately 111,900 beds. Including its owned and third-party managed properties, ACC's total managed portfolio consisted of 204 properties with approximately 139,900 beds.

Full ACC Calculator →

GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.