Is HTFB or XYLD a better dividend investment in 2026?

HTFB currently yields 3.55% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between HTFB and XYLD?

HTFB has a forward dividend yield of 3.55% ($0.91/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 7.65 percentage points.

Home › Compare › HTFB vs XYLD

HTFB vs XYLD: Dividend Comparison 2026

HTFB yields 3.55% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 HTFB wins by $351.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

HTFB

● Live price

3.55%

Share price

$25.72

Annual div

$0.91

5Y div CAGR

3.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.2K

Annual income

$627.34

Full HTFB calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — HTFB vs XYLD

📍 HTFB pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	HTFB	XYLD
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, HTFB + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HTFB pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

HTFB

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

$302.08/yr

After 10yr DRIP, annual income (after tax)

$533.24/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, XYLD beats the other by $2,315.14/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HTFB + XYLD for your $10,000?

HTFB: 50%XYLD: 50%

100% XYLD50/50100% HTFB

Portfolio after 10yr

$26.0K

Annual income

$1,989.18/yr

Blended yield

7.64%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTFB right now

HTFB

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Altman Z

1.7

Piotroski

5/9

XYLD

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HTFB buys

XYLD buys

No recent congressional trades found for HTFB or XYLD in the last 90 days.

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

MetricHTFBXYLD

Forward yield	3.55%	11.20% ✓
Annual dividend / share	$0.91	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	3.1% ✓	0%
Portfolio after 10y	$26.2K ✓	$25.9K
Annual income after 10y	$627.34	$3,351.03 ✓
Total dividends collected	$4.9K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: HTFB vs XYLD ($10,000, DRIP)

Year	HTFB Portfolio	HTFB Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,066	$366.41	$10,840	$1,120.44	+$226.00 → HTFB
2	$12,232	$390.70	$11,786	$1,249.59	+$446.00 → HTFB
3	$13,504	$416.11	$12,854	$1,397.78	+$650.00 → HTFB
4	$14,892	$442.65	$14,063	$1,568.33	+$829.00 → HTFB
5	$16,405	$470.35	$15,434	$1,765.19	+$971.00 → HTFB
6	$18,052	$499.24	$16,995	$1,993.14	+$1.1K → HTFB
7	$19,845	$529.36	$18,777	$2,257.95	+$1.1K → HTFB
8	$21,795	$560.73	$20,818	$2,566.58	+$977.00 → HTFB
9	$23,914	$593.38	$23,163	$2,927.50	+$751.00 → HTFB
10	$26,216	$627.34	$25,865	$3,351.03	+$351.00 → HTFB

HTFB vs XYLD: Complete Analysis 2026

HTFB — Stock

Horizon Technology Finance Corporation is a business development company specializing in lending and and investing in development-stage investments. It focuses on making secured debt and venture lending investments to venture capital backed companies in the technology, life science, healthcare information and services, and cleantech industries. It seeks to invest in companies in the United States.

Full HTFB Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.