Is ECNCF or RYLD a better dividend investment in 2026?

ECNCF currently yields 1.33% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between ECNCF and RYLD?

ECNCF has a forward dividend yield of 1.33% ($0.03/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 11.06 percentage points.

Home › Compare › ECNCF vs RYLD

ECNCF vs RYLD: Dividend Comparison 2026

ECNCF yields 1.33% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 RYLD wins by $25.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ECNCF

● Live price

1.33%

Share price

$2.19

Annual div

$0.03

5Y div CAGR

-40.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.0K

Annual income

$0.77

Full ECNCF calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — ECNCF 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	ECNCF	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, ECNCF + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

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ECNCF 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.

ECNCF

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

$113.10/yr

After 10yr DRIP, annual income (after tax)

$0.65/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, RYLD beats the other by $2,279.88/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 ECNCF + RYLD for your $10,000?

ECNCF: 50%RYLD: 50%

100% RYLD50/50100% ECNCF

Portfolio after 10yr

$32.6K

Annual income

$1,341.87/yr

Blended yield

4.11%

📊

Analyst Conviction Gap

Where Wall Street is split right now

ECNCF

Analyst Ratings

Hold

Consensus: Hold

Altman Z

0.6

Piotroski

5/9

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)

ECNCF buys

RYLD buys

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

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

MetricECNCFRYLD

Forward yield	1.33%	12.39% ✓
Annual dividend / share	$0.03	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-40.4%	0% ✓
Portfolio after 10y	$20.0K	$45.3K ✓
Annual income after 10y	$0.77	$2,682.98 ✓
Total dividends collected	$196.00 ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ECNCF Portfolio	ECNCF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,779	$79.31	$11,939	$1,239.34	$1.2K → RYLD
2	$11,581	$47.62	$14,158	$1,382.89	$2.6K → RYLD
3	$12,421	$28.50	$16,682	$1,532.59	$4.3K → RYLD
4	$13,307	$17.02	$19,537	$1,687.64	$6.2K → RYLD
5	$14,249	$10.16	$22,752	$1,847.20	$8.5K → RYLD
6	$15,252	$6.06	$26,355	$2,010.43	$11.1K → RYLD
7	$16,324	$3.61	$30,376	$2,176.45	$14.1K → RYLD
8	$17,468	$2.15	$34,847	$2,344.43	$17.4K → RYLD
9	$18,692	$1.28	$39,800	$2,513.54	$21.1K → RYLD
10	$20,002	$0.77	$45,269	$2,682.98	$25.3K → RYLD

ECNCF vs RYLD: Complete Analysis 2026

ECNCF — Stock

ECN Capital Corp. originates, manages, and advises on prime consumer credit portfolios in North America. It operates through Secured Consumer Loans - Triad Financial Services and Source One; and Consumer Credit Card and Related Unsecured Consumer Loans - KG segments. The company provides secured consumer loan portfolios, including manufactured home, marine, and recreational vehicle loans; and consumer credit card portfolios that are focused on co-branded credit cards and related financial products. It serves banks, credit unions, life insurance companies, and pension and investment funds. The company was incorporated in 2016 and is headquartered in Toronto, Canada.

Full ECNCF 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.