Is FCRM or VYM a better dividend investment in 2026?

FCRM currently yields 2857.14% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: FCRM offers higher current income.

What is the dividend yield difference between FCRM and VYM?

FCRM has a forward dividend yield of 2857.14% ($2.00/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 2854.73 percentage points.

Home › Compare › FCRM vs VYM

FCRM vs VYM: Dividend Comparison 2026

FCRM yields 2857.14% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 FCRM wins by $285724556560.05M in total portfolio value

INVESTMENT

TIME HORIZON10 years

FCRM

● Live price

2857.14%

Share price

$0.07

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$285724556560.08M

Annual income

$267,319,527,558,731,650.00

Full FCRM calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — FCRM vs VYM

📍 FCRM 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	FCRM	VYM
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, FCRM + VYM cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

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Dec

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FCRM pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

FCRM

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

$242,857.14/yr

After 10yr DRIP, annual income (after tax)

$227,221,598,424,921,900.00/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, FCRM beats the other by $227,221,598,424,921,660.00/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 FCRM + VYM for your $10,000?

FCRM: 50%VYM: 50%

100% VYM50/50100% FCRM

Portfolio after 10yr

$142862278280.06M

Annual income

$133,659,763,779,365,970.00/yr

Blended yield

93.56%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FCRM buys

VYM buys

No recent congressional trades found for FCRM or VYM in the last 90 days.

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

MetricFCRMVYM

Forward yield	2857.14% ✓	2.41%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$285724556560.08M ✓	$27.8K
Annual income after 10y	$267,319,527,558,731,650.00 ✓	$278.55
Total dividends collected	$284448663636.43M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: FCRM vs VYM ($10,000, DRIP)

Year	FCRM Portfolio	FCRM Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$296,414	$285,714.29	$11,151	$241.44	+$285.3K → FCRM
2	$8,232,097	$7,914,934.20	$12,413	$246.79	+$8.22M → FCRM
3	$214,243,566	$205,435,221.63	$13,794	$251.79	+$214.23M → FCRM
4	$5,225,999,702	$4,996,759,086.15	$15,306	$256.47	+$5225.98M → FCRM
5	$119,502,966,841	$113,911,147,159.88	$16,960	$260.84	+$119502.95M → FCRM
6	$2,562,267,139,226	$2,434,398,964,706.24	$18,768	$264.92	+$2562267.12M → FCRM
7	$51,522,962,512,220	$48,781,336,673,248.19	$20,745	$268.71	+$51522962.49M → FCRM
8	$971,869,901,477,056	$916,740,331,588,980.50	$22,905	$272.24	+$971869901.45M → FCRM
9	$17,200,961,683,505,388	$16,161,060,888,924,940.00	$25,265	$275.51	+$17200961683.48M → FCRM
10	$285,724,556,560,082,430	$267,319,527,558,731,650.00	$27,842	$278.55	+$285724556560.05M → FCRM

FCRM vs VYM: Complete Analysis 2026

FCRM — Stock

Franklin Credit Management Corporation operates as a specialty consumer finance company in the United States. The company is involved in the servicing and resolution of performing, reperforming, and nonperforming residential mortgage loans, including specialized loan recovery and collection servicing, as well as in the analysis, pricing, and acquisition of residential mortgage portfolios for third parties. Franklin Credit Management Corporation was incorporated in 1988 and is based in Jersey City, New Jersey.

Full FCRM Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.