Is CMWAY or RYLD a better dividend investment in 2026?

CMWAY currently yields 2.82% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between CMWAY and RYLD?

CMWAY has a forward dividend yield of 2.82% ($3.33/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 9.32 percentage points.

Home › Compare › CMWAY vs RYLD

CMWAY vs RYLD: Dividend Comparison 2026

CMWAY yields 2.82% · RYLD yields 12.14%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 RYLD wins by $17.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CMWAY

● Live price

2.82%

Share price

$118.02

Annual div

$3.33

5Y div CAGR

10.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.3K

Annual income

$995.04

Full CMWAY calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — CMWAY vs RYLD

📍 RYLD 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 Period	CMWAY	RYLD
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, CMWAY + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CMWAY pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CMWAY

Annual income on $10K today (after 15% tax)

$239.59/yr

After 10yr DRIP, annual income (after tax)

$845.78/yr

RYLD

Annual income on $10K today (after 15% tax)

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, RYLD beats the other by $1,353.46/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 CMWAY + RYLD for your $10,000?

CMWAY: 50%RYLD: 50%

100% RYLD50/50100% CMWAY

Portfolio after 10yr

$35.9K

Annual income

$1,791.19/yr

Blended yield

4.99%

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Analyst Conviction Gap

Where Wall Street is split right now

CMWAY

No analyst data

Price Target

$130.18

+10.3% upside vs current

Range: $130.18 — $130.18

Altman Z

-0.5

Piotroski

6/9

RYLD

No analyst data

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)

CMWAY buys

RYLD buys

No recent congressional trades found for CMWAY or RYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCMWAYRYLD

Forward yield	2.82%	12.14% ✓
Annual dividend / share	$3.33 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	10.2% ✓	0%
Portfolio after 10y	$27.3K	$44.5K ✓
Annual income after 10y	$995.04	$2,587.35 ✓
Total dividends collected	$5.9K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CMWAY vs RYLD ($10,000, DRIP)

Year	CMWAY Portfolio	CMWAY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,011	$310.63	$11,914	$1,213.65	$903.00 → RYLD
2	$12,134	$352.25	$14,099	$1,351.30	$2.0K → RYLD
3	$13,383	$399.78	$16,580	$1,494.55	$3.2K → RYLD
4	$14,774	$454.13	$19,384	$1,642.61	$4.6K → RYLD
5	$16,324	$516.32	$22,535	$1,794.70	$6.2K → RYLD
6	$18,054	$587.57	$26,063	$1,950.00	$8.0K → RYLD
7	$19,987	$669.28	$29,995	$2,107.69	$10.0K → RYLD
8	$22,150	$763.10	$34,361	$2,266.99	$12.2K → RYLD
9	$24,571	$870.94	$39,194	$2,427.12	$14.6K → RYLD
10	$27,286	$995.04	$44,525	$2,587.35	$17.2K → RYLD

CMWAY vs RYLD: Complete Analysis 2026

CMWAY — Stock

Commonwealth Bank of Australia provides integrated financial services in Australia, New Zealand, and internationally. It operates through Retail Banking Services, Business Banking, Institutional Banking and Markets, and New Zealand segments. The company offers retail, premium, business, offshore, and institutional banking services; and funds management, superannuation, and share broking products and services, as well as car, health, life, income protection, and travel insurance. It offers transaction, savings, foreign currency accounts; term deposits; personal and business loans; overdrafts; equipment finance; credit cards; international payment and trade; and private banking services, as well as home and car loans, and importer finance products. The company also provides advisory services for high net worth individuals; equities trading and margin lending services; debt capital, transaction banking, working capital, and risk management services; and international and foreign exchange services. As of June 30, 2021, it operated 875 branches and 2,492 ATMs. The company was founded in 1911 and is based in Sydney, Australia.

Full CMWAY Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.