HomeCompareBPHLY vs GBDC

BPHLY vs GBDC: Dividend Comparison 2026

BPHLY yields 3.70% · GBDC yields 11.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BPHLY wins by $1179.74M in total portfolio value· pulled ahead in Year 6
10 years
BPHLY
BPHLY
● Live price
3.70%
Share price
$34.05
Annual div
$1.26
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1200.51M
Annual income
$1,141,273,598.30
Full BPHLY calculator →
GBDC
GBDC
● Live price
11.85%
Share price
$12.66
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.78M
Annual income
$16,389,263.41
Full GBDC calculator →

Portfolio growth — BPHLY vs GBDC

📍 BPHLY pulled ahead of the other in Year 6

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 PeriodBPHLYGBDC
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, BPHLY + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BPHLY pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

BPHLY
Annual income on $10K today (after 15% tax)
$314.58/yr
After 10yr DRIP, annual income (after tax)
$970,082,558.56/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.11/yr
After 10yr DRIP, annual income (after tax)
$13,930,873.90/yr
At 15% tax rate, BPHLY beats the other by $956,151,684.66/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 BPHLY + GBDC for your $10,000?

BPHLY: 50%GBDC: 50%
100% GBDC50/50100% BPHLY
Portfolio after 10yr
$610.64M
Annual income
$578,831,430.85/yr
Blended yield
94.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

BPHLY
Analyst Ratings
1
Hold
Consensus: Hold
Altman Z
0.3
Piotroski
5/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.6% 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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BPHLY buys
0
GBDC buys
2
PoliticianChamberTickerTypeAmountDate
David P. Joyce🏢 House$GBDC▼ Sell$1,001 - $15,0002023-06-30
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002023-06-19
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-14
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-12
Teresa Leger Fernandez🏢 House$GBDC▼ Sell$15,001 - $50,0002021-01-20
David P. Joyce🏢 House$GBDC▲ Buy$1,001 - $15,0002020-02-25
David P. Joyce🏢 House$GBDC▲ Buy$15,001 - $50,0002019-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBPHLYGBDC
Forward yield3.70%11.85%
Annual dividend / share$1.26$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%51.1%
Portfolio after 10y$1200.51M$20.78M
Annual income after 10y$1,141,273,598.30$16,389,263.41
Total dividends collected$1196.24M$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

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

YearBPHLY PortfolioBPHLY Income/yrGBDC PortfolioGBDC Income/yrGap
1$11,440$740.19$12,490$1,790.28$1.1KGBDC
2$13,824$1,582.80$16,522$3,157.73$2.7KGBDC
3$18,366$3,574.91$23,578$5,898.68$5.2KGBDC
4$28,530$8,877.85$37,115$11,886.75$8.6KGBDC
5$56,304$25,776.87$66,136$26,423.57$9.8KGBDC
6← crossover$155,331$95,085.57$137,257$66,491.44+$18.1KBPHLY
7$656,524$490,320.46$341,734$194,868.54+$314.8KBPHLY
8$4,576,126$3,873,644.75$1,050,788$685,133.02+$3.53MBPHLY
9$55,364,113$50,467,658.49$4,099,314$2,974,971.01+$51.26MBPHLY
10$1,200,513,199$1,141,273,598.30$20,775,530$16,389,263.41+$1179.74MBPHLY

BPHLY vs GBDC: Complete Analysis 2026

BPHLYStock

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. It operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposit taking and servicing; and consumer lending, such as home mortgages, auto loans, and credit card finance, as well as remittance services to individual and retail markets. The Corporate Banking segment provides deposit taking and servicing, loan facilities, trade, and cash management to corporate and institutional customers, such as high-end corporations and middle market clients. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment activities. The company also provides financing, securities dealer, investment management, land holding, operations management, business systems, foreign exchange, real estate, pre-need, non-life insurance, leasing, and rental services. As of December 31, 2021, it operated 1,176 branches, and 2,457 automated teller machines and cash accept machines. The company also serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and the internet. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

Full BPHLY 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.