Is HLFN or RYLD a better dividend investment in 2026?

HLFN currently yields 5.10% 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 HLFN and RYLD?

HLFN has a forward dividend yield of 5.10% ($2.10/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 7.04 percentage points.

Home › Compare › HLFN vs RYLD

HLFN vs RYLD: Dividend Comparison 2026

HLFN yields 5.10% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $2.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

HLFN

● Live price

5.10%

Share price

$41.18

Annual div

$2.10

5Y div CAGR

15.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$42.1K

Annual income

$4,120.43

Full HLFN 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 — HLFN 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	HLFN	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, HLFN + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

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HLFN 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.

HLFN

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

$433.46/yr

After 10yr DRIP, annual income (after tax)

$3,502.37/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, HLFN beats the other by $1,303.12/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 HLFN + RYLD for your $10,000?

HLFN: 50%RYLD: 50%

100% RYLD50/50100% HLFN

Portfolio after 10yr

$43.3K

Annual income

$3,353.88/yr

Blended yield

7.75%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HLFN buys

RYLD buys

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

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

MetricHLFNRYLD

Forward yield	5.10%	12.14% ✓
Annual dividend / share	$2.10 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	15.4% ✓	0%
Portfolio after 10y	$42.1K	$44.5K ✓
Annual income after 10y	$4,120.43 ✓	$2,587.35
Total dividends collected	$18.2K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	HLFN Portfolio	HLFN Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,288	$588.49	$11,914	$1,213.65	$626.00 → RYLD
2	$12,795	$716.47	$14,099	$1,351.30	$1.3K → RYLD
3	$14,567	$875.85	$16,580	$1,494.55	$2.0K → RYLD
4	$16,662	$1,075.39	$19,384	$1,642.61	$2.7K → RYLD
5	$19,155	$1,326.62	$22,535	$1,794.70	$3.4K → RYLD
6	$22,140	$1,644.84	$26,063	$1,950.00	$3.9K → RYLD
7	$25,741	$2,050.48	$29,995	$2,107.69	$4.3K → RYLD
8	$30,114	$2,571.06	$34,361	$2,266.99	$4.2K → RYLD
9	$35,465	$3,243.97	$39,194	$2,427.12	$3.7K → RYLD
10	$42,068	$4,120.43	$44,525	$2,587.35	$2.5K → RYLD

HLFN vs RYLD: Complete Analysis 2026

HLFN — Stock

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.

Full HLFN 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.