Is CRZBY or QYLD a better dividend investment in 2026?

CRZBY currently yields 1.95% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between CRZBY and QYLD?

CRZBY has a forward dividend yield of 1.95% ($0.73/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.97 percentage points.

Home › Compare › CRZBY vs QYLD

CRZBY vs QYLD: Dividend Comparison 2026

CRZBY yields 1.95% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.9K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

CRZBY

● Live price

1.95%

Share price

$37.44

Annual div

$0.73

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.5K

Annual income

$221.15

Full CRZBY calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — CRZBY vs QYLD

📍 QYLD pulled ahead of the other in Year 9

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CRZBY	QYLD
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%.

📅

Dividend Calendar Overlap

Combined, CRZBY + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CRZBY pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CRZBY

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

$165.71/yr

After 10yr DRIP, annual income (after tax)

$187.98/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,622.44/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CRZBY + QYLD for your $10,000?

CRZBY: 50%QYLD: 50%

100% QYLD50/50100% CRZBY

Portfolio after 10yr

$24.0K

Annual income

$2,940.23/yr

Blended yield

12.27%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on QYLD right now

CRZBY

Analyst Ratings

Sell

Consensus: Sell

Altman Z

0.3

Piotroski

4/9

QYLD

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRZBY buys

QYLD buys

No recent congressional trades found for CRZBY or QYLD in the last 90 days.

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

MetricCRZBYQYLD

Forward yield	1.95%	11.92% ✓
Annual dividend / share	$0.73	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$22.5K	$25.4K ✓
Annual income after 10y	$221.15	$5,659.31 ✓
Total dividends collected	$2.1K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: CRZBY vs QYLD ($10,000, DRIP)

Year	CRZBY Portfolio	CRZBY Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,895	$194.95	$10,352	$1,192.36	+$543.00 → CRZBY
2	$11,856	$198.50	$10,830	$1,347.57	+$1.0K → CRZBY
3	$12,888	$201.88	$11,460	$1,539.07	+$1.4K → CRZBY
4	$13,995	$205.09	$12,275	$1,777.84	+$1.7K → CRZBY
5	$15,183	$208.14	$13,323	$2,078.95	+$1.9K → CRZBY
6	$16,457	$211.04	$14,667	$2,463.34	+$1.8K → CRZBY
7	$17,823	$213.78	$16,396	$2,960.57	+$1.4K → CRZBY
8	$19,287	$216.37	$18,631	$3,612.97	+$656.00 → CRZBY
9← crossover	$20,855	$218.83	$21,548	$4,482.15	$693.00 → QYLD
10	$22,536	$221.15	$25,398	$5,659.31	$2.9K → QYLD

CRZBY vs QYLD: Complete Analysis 2026

CRZBY — Stock

Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers accounts, commercial payments, payment enabling, clearing and custody, and other services; trade services, including documentary collection, letters of credit, guarantees, trade facilitation, supply chain financing, buyer's credit, and forfaiting services; and bilateral loans, club deals, Schuldschein instruments, syndicated loans, bonds, private placements, other debt instruments, and Islamic financing services. It also provides money market, and commodities and precious metals products; interest, currency, and liquidity management services, as well as wealth management services. The company operates approximately 790 branches. Commerzbank AG was founded in 1870 and is headquartered in Frankfurt am Main, Germany.

Full CRZBY Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD Calculator →

📬

Get this CRZBY vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CRZBY vs SCHD CRZBY vs JEPI CRZBY vs O CRZBY vs KO CRZBY vs MAIN CRZBY vs XYLD CRZBY vs JEPQ CRZBY vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.