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ARCC vs COF: Dividend Comparison 2026

ARCC yields 10.82% · COF yields 1.57%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.66M in total portfolio value· pulled ahead in Year 3
10 years
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 →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — ARCC vs COF

📍 COF pulled ahead of the other in Year 3

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 PeriodARCCCOF
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, ARCC + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, COF beats the other by $17,941,785.80/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ARCC: 50%COF: 50%
100% COF50/50100% ARCC
Portfolio after 10yr
$11.86M
Annual income
$10,553,992.80/yr
Blended yield
89.02%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

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
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
Piotroski
7/9
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)

ARCC buys
13
COF buys
0
PoliticianChamberTickerTypeAmountDate
John Fetterman🏛 Senate$ARCC▲ Buy$1,001 - $15,0002025-09-09
John Fetterman🏛 Senate$ARCC▼ Sell$1,001 - $15,0002025-09-04
Ashley Moody🏛 Senate$ARCC▲ Buy$15,001 - $50,0002025-04-04
John Fetterman🏛 Senate$ARCC▲ Buy$1,001 - $15,0002025-02-18
Dave McCormick🏛 Senate$ARCC▲ Buy$250,001 - $500,0002025-01-17
Pete Sessions🏢 House$ARCC▼ Sell$1,001 - $15,0002023-11-01
Pete Sessions🏢 House$ARCC▲ Buy$569.252023-10-06
Pete Sessions🏢 House$ARCC▲ Buy$0 - $1,0002023-10-06
Pete Sessions🏢 House$ARCC▲ Buy$155.922023-08-15
Pete Sessions🏢 House$ARCC▲ Buy$0 - $1,0002023-08-15
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricARCCCOF
Forward yield10.82%1.57%
Annual dividend / share$1.92$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%100%
Portfolio after 10y$24.5K$23.69M
Annual income after 10y$1.16$21,107,984.45
Total dividends collected$1.1K$23.46M
Payment frequencyquarterlyquarterly
SectorBDCFinancials
Analyst consensusBuyBuy
Analyst price target$21.88$275.50

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

YearARCC PortfolioARCC Income/yrCOF PortfolioCOF Income/yrGap
1$11,381$541.15$11,014$314.38+$367.00ARCC
2$12,621$284.08$12,433$647.23+$188.00ARCC
3← crossover$13,827$145.31$14,668$1,365.54$841.00COF
4$15,062$73.43$18,707$3,011.43$3.6KCOF
5$16,364$36.89$27,195$7,178.47$10.8KCOF
6$17,757$18.49$48,604$19,505.85$30.8KCOF
7$19,258$9.25$117,169$65,162.98$97.9KCOF
8$20,880$4.63$418,993$293,621.92$398.1KCOF
9$22,636$2.32$2,410,904$1,962,580.97$2.39MCOF
10$24,539$1.16$23,687,651$21,107,984.45$23.66MCOF

ARCC vs COF: Complete Analysis 2026

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.

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COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

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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.