Is GHLD or RYLD a better dividend investment in 2026?

GHLD currently yields 2.50% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between GHLD and RYLD?

GHLD has a forward dividend yield of 2.50% ($0.50/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 9.89 percentage points.

Home › Compare › GHLD vs RYLD

GHLD vs RYLD: Dividend Comparison 2026

GHLD yields 2.50% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 RYLD wins by $23.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

GHLD

● Live price

2.50%

Share price

$20.01

Annual div

$0.50

5Y div CAGR

-7.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.2K

Annual income

$125.75

Full GHLD calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — GHLD vs RYLD

📍 RYLD 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	GHLD	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, GHLD + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

GHLD pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

GHLD

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

$212.39/yr

After 10yr DRIP, annual income (after tax)

$106.89/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, RYLD beats the other by $2,173.65/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of GHLD + RYLD for your $10,000?

GHLD: 50%RYLD: 50%

100% RYLD50/50100% GHLD

Portfolio after 10yr

$33.7K

Annual income

$1,404.36/yr

Blended yield

4.16%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on GHLD right now

GHLD

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$17.63

-11.9% upside vs current

Range: $15.50 — $19.00

Altman Z

0.4

Piotroski

6/9

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)

GHLD buys

RYLD buys

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

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

MetricGHLDRYLD

Forward yield	2.50%	12.39% ✓
Annual dividend / share	$0.50	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-7.7%	0% ✓
Portfolio after 10y	$22.2K	$45.3K ✓
Annual income after 10y	$125.75	$2,682.98 ✓
Total dividends collected	$1.8K	$19.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	GHLD Portfolio	GHLD Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,931	$230.63	$11,939	$1,239.34	$1.0K → RYLD
2	$11,913	$217.46	$14,158	$1,382.89	$2.2K → RYLD
3	$12,952	$204.45	$16,682	$1,532.59	$3.7K → RYLD
4	$14,050	$191.74	$19,537	$1,687.64	$5.5K → RYLD
5	$15,213	$179.42	$22,752	$1,847.20	$7.5K → RYLD
6	$16,445	$167.58	$26,355	$2,010.43	$9.9K → RYLD
7	$17,753	$156.27	$30,376	$2,176.45	$12.6K → RYLD
8	$19,141	$145.52	$34,847	$2,344.43	$15.7K → RYLD
9	$20,616	$135.34	$39,800	$2,513.54	$19.2K → RYLD
10	$22,185	$125.75	$45,269	$2,682.98	$23.1K → RYLD

GHLD vs RYLD: Complete Analysis 2026

GHLD — Stock

Guild Holdings Company, a mortgage company, originates, sells, and services residential mortgage loans in the United States. The company operates approximately 260 branches with licenses in 49 states. It originates residential mortgages through retail and correspondent channels. The company was incorporated in 1960 and is headquartered in San Diego, California.

Full GHLD 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.