Is AMBC or VYM a better dividend investment in 2026?

AMBC currently yields 24.13% with a 5% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: AMBC offers higher current income.

What is the dividend yield difference between AMBC and VYM?

AMBC has a forward dividend yield of 24.13% ($2.00/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 21.76 percentage points.

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AMBC vs VYM: Dividend Comparison 2026

AMBC yields 24.13% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 AMBC wins by $66.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

AMBC

● Live price

24.13%

Share price

$8.29

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$93.7K

Annual income

$10,240.90

Full AMBC calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.37%

Share price

$148.10

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$272.94

Full VYM calculator →

Portfolio growth — AMBC vs VYM

📍 AMBC 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 Period	AMBC	VYM
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, AMBC + VYM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

AMBC pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

AMBC

Annual income on $10K today (after 15% tax)

$2,050.66/yr

After 10yr DRIP, annual income (after tax)

$8,704.77/yr

VYM

Annual income on $10K today (after 15% tax)

$201.60/yr

After 10yr DRIP, annual income (after tax)

$232.00/yr

At 15% tax rate, AMBC beats the other by $8,472.77/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of AMBC + VYM for your $10,000?

AMBC: 50%VYM: 50%

100% VYM50/50100% AMBC

Portfolio after 10yr

$60.8K

Annual income

$5,256.92/yr

Blended yield

8.65%

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Analyst Conviction Gap

Where Wall Street is most bullish on AMBC right now

AMBC

Analyst Ratings

Buy

Hold

Consensus: Buy

Price Target

$14.00

+68.9% upside vs current

Range: $10.00 — $18.00

Altman Z

0.8

Piotroski

2/9

VYM

No analyst data

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

AMBC buys

VYM buys

No recent congressional trades found for AMBC or VYM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricAMBCVYM

Forward yield	24.13% ✓	2.37%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$93.7K ✓	$27.8K
Annual income after 10y	$10,240.90 ✓	$272.94
Total dividends collected	$58.4K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: AMBC vs VYM ($10,000, DRIP)

Year	AMBC Portfolio	AMBC Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$13,113	$2,412.55	$11,147	$237.17	+$2.0K → AMBC
2	$16,987	$2,956.51	$12,404	$242.33	+$4.6K → AMBC
3	$21,756	$3,579.50	$13,780	$247.16	+$8.0K → AMBC
4	$27,563	$4,284.43	$15,285	$251.67	+$12.3K → AMBC
5	$34,565	$5,072.99	$16,932	$255.88	+$17.6K → AMBC
6	$42,930	$5,945.60	$18,733	$259.81	+$24.2K → AMBC
7	$52,837	$6,901.41	$20,701	$263.46	+$32.1K → AMBC
8	$64,474	$7,938.28	$22,852	$266.86	+$41.6K → AMBC
9	$78,040	$9,052.92	$25,201	$270.01	+$52.8K → AMBC
10	$93,744	$10,240.90	$27,768	$272.94	+$66.0K → AMBC

AMBC vs VYM: Complete Analysis 2026

AMBC — Stock

Ambac Financial Group, Inc., a financial services holding company, provides financial guarantees in the United States, the United Kingdom, Italy, Austria, Australia, France, and Internationally. It offers financial guarantee insurance policies; specialty property & casualty program insurance; credit derivative contracts; and interest rate derivative transactions, as well as managing general agency / underwriting services. The company was incorporated in 1991 and is headquartered in New York, New York.

Full AMBC Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.