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EPAY vs ARCC: Dividend Comparison 2026

EPAY yields 3.51% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPAY wins by $588.00 in total portfolio value· pulled ahead in Year 7
10 years
EPAY
EPAY
● Live price
3.51%
Share price
$56.99
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.1K
Annual income
$439.80
Full EPAY calculator →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — EPAY vs ARCC

📍 EPAY pulled ahead of the other in Year 7

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 PeriodEPAYARCC
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, EPAY + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
EPAY pays
ARCC pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

EPAY
Annual income on $10K today (after 15% tax)
$298.30/yr
After 10yr DRIP, annual income (after tax)
$373.83/yr
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, EPAY beats the other by $372.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EPAY + ARCC for your $10,000?

EPAY: 50%ARCC: 50%
100% ARCC50/50100% EPAY
Portfolio after 10yr
$24.8K
Annual income
$220.47/yr
Blended yield
0.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

EPAY
Analyst Ratings
2
Buy
9
Hold
Consensus: Hold
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

EPAY buys
0
ARCC buys
0
No recent congressional trades found for EPAY or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEPAYARCC
Forward yield3.51%10.65%
Annual dividend / share$2.00$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%-50%
Portfolio after 10y$25.1K$24.5K
Annual income after 10y$439.80$1.14
Total dividends collected$4.0K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

Year-by-year: EPAY vs ARCC ($10,000, DRIP)

YearEPAY PortfolioEPAY Income/yrARCC PortfolioARCC Income/yrGap
1$11,051$350.94$11,373$532.74$322.00ARCC
2$12,187$362.45$12,608$279.46$421.00ARCC
3$13,414$373.56$13,809$142.90$395.00ARCC
4$14,737$384.26$15,042$72.20$305.00ARCC
5$16,163$394.55$16,341$36.27$178.00ARCC
6$17,699$404.42$17,732$18.18$33.00ARCC
7← crossover$19,352$413.88$19,231$9.10+$121.00EPAY
8$21,129$422.92$20,851$4.55+$278.00EPAY
9$23,040$431.56$22,605$2.28+$435.00EPAY
10$25,092$439.80$24,504$1.14+$588.00EPAY

EPAY vs ARCC: Complete Analysis 2026

EPAYStock

Bottomline Technologies, Inc. provides various solutions for the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries. It operates through four segments: Cloud Solutions, Banking Solutions, Payments and Documents, and Other. The company's products and services include Paymode-X, a SaaS solution, which allows businesses to transition from legacy invoice-to-pay processes maximizing cost-savings, efficiency, and security; PTX, a payment platform that offers various ways to pay and get paid to organizations; and financial messaging solutions for risk management to financial institutions and corporations. It also provides Digital Banking IQ, an intelligent engagement platform for banking and payments; and legal spend management solutions, which integrate with claims management, and time and billing systems to automate legal invoice management processes, as well as provide insight into various areas of a company's outside legal spend. In addition, the company offers fraud and financial crime solutions to monitor, replay, and analyze user behavior and payment transactions to flag and prevent suspicious activity in real time; and healthcare solutions, including electronic signature and mobile document. Further, it provides consulting, implementation, and training services. The company serves customers in the United States, the United Kingdom, Continental Europe, the Asia-Pacific, and the Middle East. Bottomline Technologies, Inc. was founded in 1989 and is headquartered in Portsmouth, New Hampshire.

Full EPAY Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.