Is EMLAF or ADC a better dividend investment in 2026?

EMLAF currently yields 1.70% with a 5% 5-year dividend growth rate. ADC yields 4.13% with 5.2% growth. The better choice depends on your goal: ADC offers higher current income.

What is the dividend yield difference between EMLAF and ADC?

EMLAF has a forward dividend yield of 1.70% ($0.62/share annually). ADC yields 4.13% ($3.10/share annually). The yield gap is 2.43 percentage points.

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EMLAF vs ADC: Dividend Comparison 2026

EMLAF yields 1.70% · ADC yields 4.13%● Live data

vsPost on X →

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

🏆 EMLAF wins by $253.8K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

EMLAF

● Live price

1.70%

Share price

$36.32

Annual div

$0.62

5Y div CAGR

68.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$432.7K

Annual income

$265,010.24

Full EMLAF calculator →

ADC

Agree Realty Corporation

● Live price

4.13%

Share price

$74.97

Annual div

$3.10

5Y div CAGR

40.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$178.9K

Annual income

$80,797.29

Full ADC calculator →

Portfolio growth — EMLAF vs ADC

📍 EMLAF pulled ahead of the other in Year 6

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	EMLAF	ADC
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, EMLAF + ADC cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

EMLAF pays

ADC pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

EMLAF

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

$144.92/yr

After 10yr DRIP, annual income (after tax)

$225,258.70/yr

ADC

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

$351.36/yr

After 10yr DRIP, annual income (after tax)

$68,677.70/yr

At 15% tax rate, EMLAF beats the other by $156,581.01/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EMLAF + ADC for your $10,000?

EMLAF: 50%ADC: 50%

100% ADC50/50100% EMLAF

Portfolio after 10yr

$305.8K

Annual income

$172,903.77/yr

Blended yield

56.53%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

EMLAF

Analyst Ratings

Buy

Consensus: Buy

Price Target

$41.00

+12.9% upside vs current

Range: $41.00 — $41.00

Altman Z

2.7

Piotroski

6/9

ADC

Analyst Ratings

Strong

Buy

Hold

Consensus: Buy

Price Target

$81.06

+8.1% upside vs current

Range: $75.00 — $84.50

Altman Z

1.6

Piotroski

7/9

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)

EMLAF buys

ADC buys

No recent congressional trades found for EMLAF or ADC in the last 90 days.

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

MetricEMLAFADC

Forward yield	1.70%	4.13% ✓
Annual dividend / share	$0.62	$3.10 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	68.3% ✓	40.4%
Portfolio after 10y	$432.7K ✓	$178.9K
Annual income after 10y	$265,010.24 ✓	$80,797.29
Total dividends collected	$395.9K ✓	$156.7K
Payment frequency	quarterly	monthly
Sector	Stock	REIT
Analyst consensus	Buy	Buy
Analyst price target	$41.00	$81.06 ✓

Year-by-year: EMLAF vs ADC ($10,000, DRIP)

Year	EMLAF Portfolio	EMLAF Income/yr	ADC Portfolio	ADC Income/yr	Gap
1	$10,987	$286.93	$10,990	$580.36	$3.00 → ADC
2	$12,252	$495.86	$12,301	$860.26	$49.00 → ADC
3	$13,979	$869.73	$14,104	$1,298.62	$125.00 → ADC
4	$16,519	$1,560.87	$16,691	$2,008.16	$172.00 → ADC
5	$20,576	$2,901.08	$20,580	$3,205.09	$4.00 → ADC
6← crossover	$27,700	$5,683.91	$26,754	$5,330.02	+$946.00 → EMLAF
7	$41,675	$12,035.65	$37,196	$9,345.14	+$4.5K → EMLAF
8	$73,074	$28,481.37	$56,244	$17,523.09	+$16.8K → EMLAF
9	$156,739	$78,550.02	$94,286	$35,736.21	+$62.5K → EMLAF
10	$432,721	$265,010.24	$178,949	$80,797.29	+$253.8K → EMLAF

EMLAF vs ADC: Complete Analysis 2026

EMLAF — Stock

Empire Company Limited, together with its subsidiaries, engages in the food retail and related real estate businesses in Canada. It operates through two segments, Food Retailing, and Investments and Other Operations. The company owns, affiliates, and franchises approximately 1,600 retail stores under various retail banners, including Sobeys, Safeway, IGA, Foodland, FreshCo, Thrifty Foods, Farm Boy, Longo's, and Lawtons Drugs; and approximately 350 retail fuel locations, as well as operates grocery e-commerce stores under the banners, such as Voilà, Grocery Gateway, IGA.net, and ThriftyFoods.com. It also owns interest in the Crombie Real Estate Investment Trust, an open-ended real estate investment trust to own, operate, and develop a portfolio of grocery and pharmacy-anchored shopping centers, freestanding stores, and mixed-use developments; and various equity accounted interests in Genstar partnerships that develop residential real estate properties in Ontario, Western Canada, and the United States. The company was founded in 1907 and is headquartered in Stellarton, Canada.

Full EMLAF Calculator →

ADC — REIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.