Is FANDF or RYLD a better dividend investment in 2026?

FANDF currently yields 5.11% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between FANDF and RYLD?

FANDF has a forward dividend yield of 5.11% ($0.26/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 7.03 percentage points.

Home › Compare › FANDF vs RYLD

FANDF vs RYLD: Dividend Comparison 2026

FANDF yields 5.11% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 FANDF wins by $288.7K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

FANDF

● Live price

5.11%

Share price

$5.02

Annual div

$0.26

5Y div CAGR

43.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$333.2K

Annual income

$161,686.69

Full FANDF calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — FANDF vs RYLD

📍 FANDF pulled ahead of the other in Year 4

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	FANDF	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, FANDF + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FANDF 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.

FANDF

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

$434.75/yr

After 10yr DRIP, annual income (after tax)

$137,433.69/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, FANDF beats the other by $135,234.44/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 FANDF + RYLD for your $10,000?

FANDF: 50%RYLD: 50%

100% RYLD50/50100% FANDF

Portfolio after 10yr

$188.9K

Annual income

$82,137.02/yr

Blended yield

43.49%

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Analyst Conviction Gap

Where Wall Street is most bullish on FANDF right now

FANDF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

0.5

Piotroski

4/9

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)

FANDF buys

RYLD buys

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

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

MetricFANDFRYLD

Forward yield	5.11%	12.14% ✓
Annual dividend / share	$0.26	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	43.2% ✓	0%
Portfolio after 10y	$333.2K ✓	$44.5K
Annual income after 10y	$161,686.69 ✓	$2,587.35
Total dividends collected	$292.7K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FANDF Portfolio	FANDF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,432	$732.42	$11,914	$1,213.65	$482.00 → RYLD
2	$13,353	$1,120.62	$14,099	$1,351.30	$746.00 → RYLD
3	$16,040	$1,751.73	$16,580	$1,494.55	$540.00 → RYLD
4← crossover	$19,979	$2,816.02	$19,384	$1,642.61	+$595.00 → FANDF
5	$26,071	$4,694.19	$22,535	$1,794.70	+$3.5K → FANDF
6	$36,094	$8,198.18	$26,063	$1,950.00	+$10.0K → FANDF
7	$53,811	$15,189.90	$29,995	$2,107.69	+$23.8K → FANDF
8	$87,885	$30,307.12	$34,361	$2,266.99	+$53.5K → FANDF
9	$160,281	$66,244.10	$39,194	$2,427.12	+$121.1K → FANDF
10	$333,187	$161,686.69	$44,525	$2,587.35	+$288.7K → FANDF

FANDF vs RYLD: Complete Analysis 2026

FANDF — Stock

FirstRand Limited, together with its subsidiaries, provides banking, transactional, lending, investment, and insurance products and services in South Africa, rest of Africa, the United Kingdom, and internationally. The company offers deposit and savings products; personal loans; and asset and invoice finance, as well as SME commercial, residential, and buy-to-let mortgages. It also provides life and short-term insurance products; card-acquiring services; and vehicle finance, installment credit and fleet management, and corporate and investment banking services. In addition, the company offers asset management, as well as vehicle-related insurance services. It serves retail, commercial, corporate, and public sector customers, as well as small business, agricultural, medium corporate, parastatal, and government entities. The company was incorporated in 1966 and is based in Sandton, South Africa.

Full FANDF 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.