HomeCompareEPAY vs SPHD

EPAY vs SPHD: Dividend Comparison 2026

EPAY yields 3.51% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $1.4K in total portfolio value
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 →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — EPAY vs SPHD

📍 SPHD 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 PeriodEPAYSPHD
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, EPAY + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
EPAY pays
SPHD pays
Both pay
Neither
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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
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, SPHD beats the other by $111.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

EPAY: 50%SPHD: 50%
100% SPHD50/50100% EPAY
Portfolio after 10yr
$25.8K
Annual income
$505.56/yr
Blended yield
1.96%
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Analyst Conviction Gap

Where Wall Street is most bullish on EPAY right now

EPAY
Analyst Ratings
2
Buy
9
Hold
Consensus: Hold
SPHD
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)

EPAY buys
0
SPHD buys
0
No recent congressional trades found for EPAY or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEPAYSPHD
Forward yield3.51%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$25.1K$26.5K
Annual income after 10y$439.80$571.32
Total dividends collected$4.0K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearEPAY PortfolioEPAY Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,051$350.94$11,133$432.85$82.00SPHD
2$12,187$362.45$12,363$450.36$176.00SPHD
3$13,414$373.56$13,695$467.39$281.00SPHD
4$14,737$384.26$15,138$483.90$401.00SPHD
5$16,163$394.55$16,697$499.88$534.00SPHD
6$17,699$404.42$18,382$515.31$683.00SPHD
7$19,352$413.88$20,198$530.17$846.00SPHD
8$21,129$422.92$22,157$544.46$1.0KSPHD
9$23,040$431.56$24,266$558.18$1.2KSPHD
10$25,092$439.80$26,536$571.32$1.4KSPHD

EPAY vs SPHD: 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 →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.