HomeCompareHFC vs SCHD

HFC vs SCHD: Dividend Comparison 2026

HFC yields 60.88% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HFC wins by $3.1K in total portfolio value
10 years
HFC
HFC
● Live price
60.88%
Share price
$36.39
Annual div
$22.15
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.1K
Annual income
$9.69
Full HFC calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — HFC vs SCHD

📍 HFC 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 PeriodHFCSCHD
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, HFC + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HFC
Annual income on $10K today (after 15% tax)
$5,174.38/yr
After 10yr DRIP, annual income (after tax)
$8.24/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, SCHD beats the other by $353.82/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 HFC + SCHD for your $10,000?

HFC: 50%SCHD: 50%
100% SCHD50/50100% HFC
Portfolio after 10yr
$30.5K
Annual income
$217.82/yr
Blended yield
0.71%
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Analyst Conviction Gap

Where Wall Street is split right now

HFC
No analyst data
Price Target
$36.67
+0.8% upside vs current
Range: $31.00 — $44.00
Altman Z
2.9
Piotroski
5/9
SCHD
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)

HFC buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFCSCHD
Forward yield60.88%3.46%
Annual dividend / share$22.15$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0%
Portfolio after 10y$32.1K$29.0K
Annual income after 10y$9.69$425.95
Total dividends collected$7.3K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: HFC vs SCHD ($10,000, DRIP)

YearHFC PortfolioHFC Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$13,744$3,043.76$11,226$346.36+$2.5KHFC
2$16,661$1,954.80$12,572$357.38+$4.1KHFC
3$18,934$1,107.32$14,046$367.84+$4.9KHFC
4$20,848$588.05$15,660$377.73+$5.2KHFC
5$22,610$302.56$17,425$387.07+$5.2KHFC
6$24,346$153.33$19,354$395.86+$5.0KHFC
7$26,127$77.15$21,461$404.13+$4.7KHFC
8$27,994$38.69$23,762$411.89+$4.2KHFC
9$29,973$19.37$26,272$419.15+$3.7KHFC
10$32,081$9.69$29,010$425.95+$3.1KHFC

HFC vs SCHD: Complete Analysis 2026

HFCStock

HollyFrontier Corporation operates as an independent petroleum refiner and marketer in the United States. The company operates through three segments: Refining, Lubricants and Specialty Products, and HEP. It primarily produces high-value light products, such as gasoline, diesel and jet fuel, and specialty lubricant products, as well as specialty and modified asphalt. The company offers its products to other refiners, convenience store chains, independent marketers, liquid petroleum gases and other retailers, truck stop chains, wholesalers, railroads, governmental entities, and paving contractors or manufacturers, as well as for commercial airline use. It owns and operates five refineries with a combined crude oil processing capacity of approximately 554,000 barrels per day in El Dorado, Kansas; Tulsa, Oklahoma; Anacortes, Washington; Artesia, New Mexico; and Woods Cross, Utah. The company also owns and operates vacuum distillation and other facilities in Lovington, New Mexico, as well as asphalt terminals in Arizona, New Mexico, and Oklahoma. Its refineries serve markets in the Mid-Continent, Southwest, and Rocky Mountain regions of the United States. In addition, the company produces base oils and other specialized lubricant products; and owns and operates logistic assets consisting of petroleum product and crude oil pipelines, terminals, tankage, loading rack facilities, and refinery processing units. The company was formerly known as Holly Corporation and changed its name to HollyFrontier Corporation as a result of its merger with Frontier Oil Corporation in July 2011. HollyFrontier Corporation was incorporated in 1947 and is headquartered in Dallas, Texas.

Full HFC Calculator →

SCHDETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.