Is CRAYF or XYLD a better dividend investment in 2026?

CRAYF currently yields 14.44% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: CRAYF offers higher current income.

What is the dividend yield difference between CRAYF and XYLD?

CRAYF has a forward dividend yield of 14.44% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 3.46 percentage points.

Home › Compare › CRAYF vs XYLD

CRAYF vs XYLD: Dividend Comparison 2026

CRAYF yields 14.44% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 CRAYF wins by $26.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CRAYF

● Live price

14.44%

Share price

$13.85

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$51.6K

Annual income

$3,529.16

Full CRAYF calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — CRAYF vs XYLD

📍 CRAYF 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	CRAYF	XYLD
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, CRAYF + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

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Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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CRAYF pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CRAYF

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

$1,227.44/yr

After 10yr DRIP, annual income (after tax)

$2,999.79/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, CRAYF beats the other by $263.62/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 CRAYF + XYLD for your $10,000?

CRAYF: 50%XYLD: 50%

100% XYLD50/50100% CRAYF

Portfolio after 10yr

$38.4K

Annual income

$3,374.09/yr

Blended yield

8.78%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRAYF buys

XYLD buys

No recent congressional trades found for CRAYF or XYLD in the last 90 days.

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

MetricCRAYFXYLD

Forward yield	14.44% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$51.6K ✓	$25.3K
Annual income after 10y	$3,529.16 ✓	$3,219.02
Total dividends collected	$24.4K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: CRAYF vs XYLD ($10,000, DRIP)

Year	CRAYF Portfolio	CRAYF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,144	$1,444.04	$10,818	$1,098.39	+$1.3K → CRAYF
2	$14,633	$1,638.93	$11,738	$1,222.51	+$2.9K → CRAYF
3	$17,503	$1,845.64	$12,774	$1,364.64	+$4.7K → CRAYF
4	$20,791	$2,063.20	$13,944	$1,527.86	+$6.8K → CRAYF
5	$24,537	$2,290.49	$15,270	$1,715.87	+$9.3K → CRAYF
6	$28,781	$2,526.32	$16,775	$1,933.09	+$12.0K → CRAYF
7	$33,565	$2,769.41	$18,490	$2,184.87	+$15.1K → CRAYF
8	$38,933	$3,018.46	$20,450	$2,477.63	+$18.5K → CRAYF
9	$44,931	$3,272.14	$22,697	$2,819.19	+$22.2K → CRAYF
10	$51,605	$3,529.16	$25,280	$3,219.02	+$26.3K → CRAYF

CRAYF vs XYLD: Complete Analysis 2026

CRAYF — Stock

Crayon Group Holding ASA, together with its subsidiaries, operates as an IT advisory company in software and digital transformation services. It operates through Software & Cloud Direct, Software & Cloud Channel, Software & Cloud Economics, and Consulting segments. The company provides assess and migrate services, including cloud migration assessment, maturity assessment, cloud infrastructure advisory and migration, cloud POC, cloud tenant migration, cloud connectivity, modern workplace migration, and cloud identity; govern and optimize services comprising IT governance, license optimization, software and cloud economics, and SAM tool; operate and support services, such as modern workplace adoption, software and cloud advisory service desk, and support program services; and data platform and AI solutions services. It also offers software and IT asset management training services. The company has operations in the Nordics, Europe, the Asia-Pacific, the Middle East and Africa, and the United States. Crayon Group Holding ASA is headquartered in Oslo, Norway.

Full CRAYF Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.