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BPAY vs SCHD: Dividend Comparison 2026

BPAY yields 8.01% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BPAY wins by $5.0K in total portfolio value
10 years
BPAY
BPAY
● Live price
8.01%
Share price
$21.99
Annual div
$1.76
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.0K
Annual income
$1,328.87
Full BPAY calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — BPAY vs SCHD

📍 BPAY 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 PeriodBPAYSCHD
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%.
📅

Dividend Calendar Overlap

Combined, BPAY + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
BPAY pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

BPAY
Annual income on $10K today (after 15% tax)
$680.55/yr
After 10yr DRIP, annual income (after tax)
$1,129.54/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, BPAY beats the other by $767.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BPAY + SCHD for your $10,000?

BPAY: 50%SCHD: 50%
100% SCHD50/50100% BPAY
Portfolio after 10yr
$31.5K
Annual income
$877.40/yr
Blended yield
2.79%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BPAY buys
0
SCHD buys
0
No recent congressional trades found for BPAY or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBPAYSCHD
Forward yield8.01% ✓3.46%
Annual dividend / share$1.76 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$34.0K ✓$29.0K
Annual income after 10y$1,328.87 ✓$425.95
Total dividends collected$10.7K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: BPAY vs SCHD ($10,000, DRIP)

YearBPAY PortfolioBPAY Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,501$800.64$11,226$346.36+$275.00 → BPAY
2$13,166$860.55$12,572$357.38+$594.00 → BPAY
3$15,009$920.73$14,046$367.84+$963.00 → BPAY
4$17,040$980.90$15,660$377.73+$1.4K → BPAY
5$19,274$1,040.82$17,425$387.07+$1.8K → BPAY
6$21,723$1,100.23$19,354$395.86+$2.4K → BPAY
7$24,403$1,158.93$21,461$404.13+$2.9K → BPAY
8$27,328$1,216.72$23,762$411.89+$3.6K → BPAY
9$30,514$1,273.41$26,272$419.15+$4.2K → BPAY
10$33,979$1,328.87$29,010$425.95+$5.0K → BPAY

BPAY vs SCHD: Complete Analysis 2026

BPAY — Stock

The iShares FinTech Active ETF seeks to maximize total return by investing in the companies delivering innovative and emerging technologies used in the financial services industry.

Full BPAY Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.