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CIT vs ARCC: Dividend Comparison 2026

CIT yields 14.03% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CIT wins by $4462618.93M in total portfolio value
10 years
CIT
CIT
● Live price
14.03%
Share price
$53.50
Annual div
$7.51
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4462618.96M
Annual income
$4,402,331,954,946.55
Full CIT calculator →
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 →

Portfolio growth — CIT vs ARCC

📍 CIT 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 PeriodCITARCC
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, CIT + ARCC cover 0 of 12 monthsgood coverage

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

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

CIT
Annual income on $10K today (after 15% tax)
$1,192.38/yr
After 10yr DRIP, annual income (after tax)
$3,741,982,161,704.57/yr
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, CIT beats the other by $3,741,982,161,703.58/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 CIT + ARCC for your $10,000?

CIT: 50%ARCC: 50%
100% ARCC50/50100% CIT
Portfolio after 10yr
$2231309.49M
Annual income
$2,201,165,977,473.85/yr
Blended yield
98.65%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

CIT
Analyst Ratings
14
Buy
13
Hold
Consensus: Buy
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
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)

CIT buys
6
ARCC buys
0
PoliticianChamberTickerTypeAmountDate
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-31
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-31
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-28
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-28
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-27
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-27
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-26
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-26
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-25
David Perdue🏛 Senate$CIT▼ Sell$1,001 - $15,0002015-08-25
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCITARCC
Forward yield14.03%10.82%
Annual dividend / share$7.51$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%-50%
Portfolio after 10y$4462618.96M$24.5K
Annual income after 10y$4,402,331,954,946.55$1.16
Total dividends collected$4458578.66M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy

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

YearCIT PortfolioCIT Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$13,506$2,805.61$11,381$541.15+$2.1KCIT
2$21,534$7,082.51$12,621$284.08+$8.9KCIT
3$44,148$21,107.37$13,827$145.31+$30.3KCIT
4$128,126$80,887.02$15,062$73.43+$113.1KCIT
5$575,875$438,780.98$16,364$36.89+$559.5KCIT
6$4,302,452$3,686,264.84$17,757$18.49+$4.28MCIT
7$56,081,450$51,477,826.78$19,258$9.25+$56.06MCIT
8$1,314,215,448$1,254,208,296.50$20,880$4.63+$1314.19MCIT
9$56,342,993,216$54,936,782,686.28$22,636$2.32+$56342.97MCIT
10$4,462,618,957,687$4,402,331,954,946.55$24,539$1.16+$4462618.93MCIT

CIT vs ARCC: Complete Analysis 2026

CITStock

CIT Group Inc. operates as the holding company for CIT Bank, N.A. that provides banking and related services to commercial and individual customers. The company operates through Commercial Banking and Consumer Banking segments. The Commercial Banking segment provides a range of commercial lending, leasing, and deposit products; loans comprising revolving lines of credit, term loans, unsecured loans, collateral-backed loans, asset-based loans, commercial real estate loans, and cash flow loans; and ancillary services and products, including cash management, capital markets, and advisory services primarily to small and middle market companies. This segment also offers asset management, factoring, receivable management, and secured financing services; supply chain financing, leasing and equipment financing to small businesses and middle market, and railroads and shippers. The Consumer Banking segment provides checking, savings, money market, and individual retirement accounts; time deposits and certificates of deposit; residential mortgage loans; small business administration loans; payment solutions; and fiduciary services. The company also offers leasing and advisory, and online banking services. It operates through a network of approximately 60 branches located in southern California. CIT Group Inc. was founded in 1908 and is based in New York, New York.

Full CIT Calculator →

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.

Full ARCC 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.