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ADS vs ARCC: Dividend Comparison 2026

ADS yields 17.46% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADS wins by $2.7K in total portfolio value
10 years
ADS
ADS
● Live price
17.46%
Share price
$56.80
Annual div
$9.92
5Y div CAGR
-29.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.2K
Annual income
$76.27
Full ADS calculator →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — ADS vs ARCC

📍 ADS pulled ahead of the other in Year 1

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 PeriodADSARCC
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%.
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Dividend Calendar Overlap

Combined, ADS + ARCC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ADS
Annual income on $10K today (after 15% tax)
$1,484.51/yr
After 10yr DRIP, annual income (after tax)
$64.83/yr
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, ADS beats the other by $63.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ADS + ARCC for your $10,000?

ADS: 50%ARCC: 50%
100% ARCC50/50100% ADS
Portfolio after 10yr
$25.9K
Annual income
$38.72/yr
Blended yield
0.15%
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Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

ADS
Analyst Ratings
2
Hold
Consensus: Hold
Price Target
$103.63
+82.4% upside vs current
Range: $45.00 — $135.00
Altman Z
0.8
Piotroski
7/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

ADS buys
0
ARCC buys
0
No recent congressional trades found for ADS or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricADSARCC
Forward yield17.46%10.82%
Annual dividend / share$9.92$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-29.2%-50%
Portfolio after 10y$27.2K$24.5K
Annual income after 10y$76.27$1.16
Total dividends collected$4.8K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy
Analyst price target$103.63$21.88

Year-by-year: ADS vs ARCC ($10,000, DRIP)

YearADS PortfolioADS Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$11,937$1,236.51$11,381$541.15+$556.00ADS
2$13,749$976.61$12,621$284.08+$1.1KADS
3$15,455$744.31$13,827$145.31+$1.6KADS
4$17,091$553.64$15,062$73.43+$2.0KADS
5$18,692$405.10$16,364$36.89+$2.3KADS
6$20,294$293.16$17,757$18.49+$2.5KADS
7$21,925$210.60$19,258$9.25+$2.7KADS
8$23,611$150.55$20,880$4.63+$2.7KADS
9$25,371$107.27$22,636$2.32+$2.7KADS
10$27,223$76.27$24,539$1.16+$2.7KADS

ADS vs ARCC: Complete Analysis 2026

ADSStock

Bread Financial Holdings Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings Inc. in March 2022. Bread Financial Holdings Inc. was founded in 1996 and is headquartered in Columbus, Ohio.

Full ADS Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.