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CLIFF vs GBDC: Dividend Comparison 2026

CLIFF yields 2902.76% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CLIFF wins by $33.32M in total portfolio value
10 years
CLIFF
CLIFF
● Live price
2902.76%
Share price
$0.07
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$54.17M
Annual income
$769,585.52
Full CLIFF 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 — CLIFF vs GBDC

📍 CLIFF 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 PeriodCLIFFGBDC
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, CLIFF + GBDC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CLIFF
Annual income on $10K today (after 15% tax)
$246,734.40/yr
After 10yr DRIP, annual income (after tax)
$654,147.69/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 $13,328,976.06/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CLIFF: 50%GBDC: 50%
100% GBDC50/50100% CLIFF
Portfolio after 10yr
$37.51M
Annual income
$8,610,159.68/yr
Blended yield
22.95%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

CLIFF
No analyst data
Altman Z
0.7
Piotroski
3/9
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)

CLIFF buys
0
GBDC buys
0
No recent congressional trades found for CLIFF or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLIFFGBDC
Forward yield2902.76% ✓11.86%
Annual dividend / share$2.00 ✓$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%51.1% ✓
Portfolio after 10y$54.17M ✓$20.85M
Annual income after 10y$769,585.52$16,450,733.83 ✓
Total dividends collected$39.43M ✓$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearCLIFF PortfolioCLIFF Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$155,838$145,137.88$12,492$1,791.70+$143.3K → CLIFF
2$1,223,661$1,056,914.95$16,527$3,160.58+$1.21M → CLIFF
3$5,187,378$3,878,059.96$23,588$5,904.90+$5.16M → CLIFF
4$13,232,725$7,682,230.47$37,141$11,901.65+$13.20M → CLIFF
5$23,316,474$9,157,458.53$66,205$26,463.38+$23.25M → CLIFF
6$32,488,687$7,540,059.71$137,452$66,612.65+$32.35M → CLIFF
7$39,672,316$4,909,421.22$342,372$195,298.53+$39.33M → CLIFF
8$45,250,758$2,801,379.33$1,053,292$686,954.33+$44.20M → CLIFF
9$49,911,437$1,493,125.96$4,111,439$2,984,416.95+$45.80M → CLIFF
10$54,174,823$769,585.52$20,849,974$16,450,733.83+$33.32M → CLIFF

CLIFF vs GBDC: Complete Analysis 2026

CLIFF — Stock

Cordlife Group Limited, an investment holding company, provides cord blood banking services in Singapore, Hong Kong, India, Malaysia, the Philippines, and internationally. The company operates through two segments, Banking and Diagnostics. It provides cord blood, cord lining, and cord tissue banking services comprising processing and storage of stem cells; and non-invasive prenatal testing, paediatric vision screening, newborn metabolic screening, and newborn genetic screening services. The company also offers preimplantation genetic screening, endometrial receptivity test, paediatric allergen test, and genetic talent test services, as well as moms up, a mobile app for pregnancy and parenting resources. In addition, it provides management, marketing, and property investment services. Cordlife Group Limited was incorporated in 2001 and is headquartered in Singapore.

Full CLIFF Calculator →

GBDC — BDC

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.