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BIF vs GBDC: Dividend Comparison 2026

BIF yields 140.92% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $2.10M in total portfolio value· pulled ahead in Year 10
10 years
BIF
BIF
● Live price
140.92%
Share price
$14.75
Annual div
$20.79
5Y div CAGR
0.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$18.75M
Annual income
$7,871,272.88
Full BIF calculator →
GBDC
GBDC
● Live price
11.86%
Share price
$12.65
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.85M
Annual income
$16,450,733.83
Full GBDC calculator →

Portfolio growth — BIF vs GBDC

📍 GBDC pulled ahead of the other in Year 10

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 PeriodBIFGBDC
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, BIF + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BIF
Annual income on $10K today (after 15% tax)
$11,978.03/yr
After 10yr DRIP, annual income (after tax)
$6,690,581.95/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.91/yr
After 10yr DRIP, annual income (after tax)
$13,983,123.76/yr
At 15% tax rate, GBDC beats the other by $7,292,541.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BIF + GBDC for your $10,000?

BIF: 50%GBDC: 50%
100% GBDC50/50100% BIF
Portfolio after 10yr
$19.80M
Annual income
$12,161,003.36/yr
Blended yield
61.42%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

BIF
No analyst data
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.7% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
Piotroski
6/9
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)

BIF buys
0
GBDC buys
0
No recent congressional trades found for BIF or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBIFGBDC
Forward yield140.92%11.86%
Annual dividend / share$20.79$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0.1%51.1%
Portfolio after 10y$18.75M$20.85M
Annual income after 10y$7,871,272.88$16,450,733.83
Total dividends collected$17.28M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: BIF vs GBDC ($10,000, DRIP)

YearBIF PortfolioBIF Income/yrGBDC PortfolioGBDC Income/yrGap
1$24,806$14,105.89$12,492$1,791.70+$12.3KBIF
2$59,277$32,734.49$16,527$3,160.58+$42.8KBIF
3$136,605$73,178.87$23,588$5,904.90+$113.0KBIF
4$303,935$157,767.68$37,141$11,901.65+$266.8KBIF
5$653,595$328,384.35$66,205$26,463.38+$587.4KBIF
6$1,359,980$660,633.47$137,452$66,612.65+$1.22MBIF
7$2,741,160$1,285,981.61$342,372$195,298.53+$2.40MBIF
8$5,357,903$2,424,861.61$1,053,292$686,954.33+$4.30MBIF
9$10,166,977$4,434,020.43$4,111,439$2,984,416.95+$6.06MBIF
10← crossover$18,749,938$7,871,272.88$20,849,974$16,450,733.83$2.10MGBDC

BIF vs GBDC: Complete Analysis 2026

BIFStock

SRH Total Return Fund, Inc. is a closed-ended balanced mutual fund launched and managed by Boulder Investment Advisers, L.L.C. It is co-managed by Stewart West Indies Trading Co Ltd. and Rocky Mountain Advisers, Llc. The fund invests in public equity and fixed income markets across the globe. It seeks to invest in securities of companies operating across diversified industries. The fund primarily invests in dividend paying value stocks of companies across all capitalizations, as well as in fixed income securities issued by companies. It employs both fundamental and quantitative analysis with a bottom-up security picking approach, focusing on such factors as defensible businesses with solid financial positions and strong operating track records to create its portfolio. The fund benchmarks the performance of its portfolio against the S&P 500 Composite Index. SRH Total Return Fund, Inc. was formed on December 7, 1972 and is domiciled in the United States.

Full BIF Calculator →

GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.