Is ADC or HTGC a better dividend investment in 2026?

ADC currently yields 4.39% with a 5.2% 5-year dividend growth rate. HTGC yields 10.22% with 4.2% growth. The better choice depends on your goal: HTGC offers higher current income, while ADC is better for long-term compounding. Use the DRIP calculator above to model your specific scenario.

What is the dividend yield difference between ADC and HTGC?

ADC has a forward dividend yield of 4.39% (3.00/share annually). HTGC yields 10.22% (1.88/share annually). The yield gap is 5.83 percentage points.

How much would $10,000 in ADC vs HTGC pay in dividends per year?

With $10,000 invested: ADC would pay approximately $439/year in dividends. HTGC would pay approximately $1022/year. With DRIP reinvestment over 10 years, these amounts grow substantially due to compounding.

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ADC vs HTGC: Dividend Comparison 2026

Q: Does ADC or HTGC pay monthly dividends?

ADC pays monthly dividends. HTGC pays quarterly dividends. Monthly payers are preferred by investors who want regular cash flow to cover living expenses.

ADC yields 4.39% · HTGC yields 10.22% · See full DRIP projection below

vsEnter any two US tickers

After 10 years · $10,000 invested · DRIP enabled

🏆 HTGC wins by $30.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ADC

Agree Realty Corporation

4.39%

Share price

$68.40

Annual div

$3.00

5Y div CAGR

5.2%

Payout ratio

73%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.5K

Annual income

$1,093.74

Full ADC calculator →

HTGC

Hercules Capital Inc.

10.22%

Share price

$18.40

Annual div

$1.88

5Y div CAGR

4.2%

Payout ratio

90%

After 10 yrs · $10,000 · DRIP

Portfolio value

$53.7K

Annual income

$3,064.35

Full HTGC calculator →

Portfolio growth — ADC vs HTGC

Annual dividend income

MetricADCHTGC

Forward yield	4.39%	10.22% ✓
Annual dividend / share	$3.00 ✓	$1.88
Payout ratio	73% ✓	90%
1-year div growth	2.8%	5.6% ✓
5-year div CAGR	5.2% ✓	4.2%
Portfolio after 10y	$23.5K	$53.7K ✓
Annual income after 10y	$1,093.74	$3,064.35 ✓
Total dividends collected	$7.4K	$19.5K ✓
Payment frequency	monthly	quarterly
Sector	REIT	BDC

Year-by-year: ADC vs HTGC ($10,000, DRIP)

Year	ADC Portfolio	ADC Income/yr	HTGC Portfolio	HTGC Income/yr	Gap
1	$10,871	$461.40	$12,045	$1,064.65	$1.2K → HTGC
2	$11,824	$506.91	$14,442	$1,216.94	$2.6K → HTGC
3	$12,866	$557.16	$17,242	$1,384.73	$4.4K → HTGC
4	$14,006	$612.66	$20,501	$1,568.89	$6.5K → HTGC
5	$15,254	$674.00	$24,280	$1,770.26	$9.0K → HTGC
6	$16,622	$741.82	$28,649	$1,989.67	$12.0K → HTGC
7	$18,120	$816.86	$33,685	$2,227.97	$15.6K → HTGC
8	$19,763	$899.90	$39,472	$2,485.98	$19.7K → HTGC
9	$21,565	$991.86	$46,104	$2,764.50	$24.5K → HTGC
10	$23,543	$1,093.74	$53,687	$3,064.35	$30.1K → HTGC

ADC vs HTGC: Complete Analysis 2026

ADC — REIT

Agree Realty is a net-lease REIT focused on high-quality retail tenants including Walmart, Home Depot, and Tractor Supply. Its monthly dividend and focus on investment-grade tenants make it a conservative REIT alternative to Realty Income. Conservative leverage and disciplined acquisition strategy set it apart.

Full ADC Calculator →

HTGC — BDC

Hercules Capital specializes in lending to venture-backed technology and life sciences companies. This unique focus allows it to capture higher yields than traditional BDCs. Strong origination network with leading VC firms. HTGC pays regular plus supplemental dividends, making total yield among the highest in BDC space.

Full HTGC Calculator →

Frequently Asked Questions

Is ADC or HTGC better for dividend income in 2026?

ADC currently offers a 4.39% yield (3.00/share/year) while HTGC offers 10.22% (1.88/share/year). HTGC provides higher current income. However, ADC has grown its dividend faster (5.2% 5Y CAGR), which may lead to better long-term income through compounding.

How much would $10,000 in ADC vs HTGC earn per year?

With $10,000 invested today: ADC pays approximately $439/year. HTGC pays approximately $1022/year. With DRIP reinvestment over 10 years, these grow to $1,094/year (ADC) and $3,064/year (HTGC).

Does ADC or HTGC pay monthly dividends?

ADC pays monthly dividends. HTGC pays quarterly dividends. ADC pays monthly, which is preferred by investors who need regular cash flow.

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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.