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ADC vs XYLD: Dividend Comparison 2026

ADC yields 4.39% · XYLD yields 9.02% · See full DRIP projection below

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $2.4K in total portfolio value
10 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 →
XYLD
Global X S&P 500 Covered Call ETF
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — ADC vs XYLD

Annual dividend income

MetricADCXYLD
Forward yield4.39%9.02%
Annual dividend / share$3.00$3.48
Payout ratio73%90%
1-year div growth2.8%-2.1%
5-year div CAGR5.2%0.5%
Portfolio after 10y$23.5K$21.1K
Annual income after 10y$1,093.74$2,363.75
Total dividends collected$7.4K$15.0K
Payment frequencymonthlymonthly
SectorREITETF

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

YearADC PortfolioADC Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,871$461.40$10,626$906.06+$245.00ADC
2$11,824$506.91$11,324$995.47+$500.00ADC
3$12,866$557.16$12,104$1,096.88+$762.00ADC
4$14,006$612.66$12,977$1,212.21+$1.0KADC
5$15,254$674.00$13,958$1,343.80+$1.3KADC
6$16,622$741.82$15,061$1,494.40+$1.6KADC
7$18,120$816.86$16,307$1,667.30+$1.8KADC
8$19,763$899.90$17,717$1,866.48+$2.0KADC
9$21,565$991.86$19,317$2,096.71+$2.2KADC
10$23,543$1,093.74$21,140$2,363.75+$2.4KADC

ADC vs XYLD: Complete Analysis 2026

ADCREIT

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 →

XYLDETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

Frequently Asked Questions

Is ADC or XYLD better for dividend income in 2026?
ADC currently offers a 4.39% yield (3.00/share/year) while XYLD offers 9.02% (3.48/share/year). XYLD 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 XYLD earn per year?
With $10,000 invested today: ADC pays approximately $439/year. XYLD pays approximately $902/year. With DRIP reinvestment over 10 years, these grow to $1,094/year (ADC) and $2,364/year (XYLD).
Does ADC or XYLD pay monthly dividends?
ADC pays monthly dividends. XYLD pays monthly 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.