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HTGC vs MSFT: Dividend Comparison 2026

HTGC yields 10.22% · MSFT yields 0.72% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 MSFT wins by $23.2K in total portfolio value
10 years
HTGC
Hercules Capital Inc.
10.22%
Share price
$18.40
Annual div
$1.88
5Y div CAGR
4.2%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.7K
Annual income
$3,064.35
Full HTGC calculator →
MSFT
Microsoft Corporation
0.72%
Share price
$415.20
Annual div
$3.00
5Y div CAGR
10.2%
Payout ratio
24%
After 10 yrs · $10,000 · DRIP
Portfolio value
$76.9K
Annual income
$198.68
Full MSFT calculator →

Portfolio growth — HTGC vs MSFT

Annual dividend income

MetricHTGCMSFT
Forward yield10.22%0.72%
Annual dividend / share$1.88$3.00
Payout ratio90%24%
1-year div growth5.6%10.5%
5-year div CAGR4.2%10.2%
Portfolio after 10y$53.7K$76.9K
Annual income after 10y$3,064.35$198.68
Total dividends collected$19.5K$1.3K
Payment frequencyquarterlyquarterly
SectorBDCTechnology

Year-by-year: HTGC vs MSFT ($10,000, DRIP)

YearHTGC PortfolioHTGC Income/yrMSFT PortfolioMSFT Income/yrGap
1$12,045$1,064.65$12,290$79.62$245.00MSFT
2$14,442$1,216.94$15,094$88.32$652.00MSFT
3$17,242$1,384.73$18,528$97.90$1.3KMSFT
4$20,501$1,568.89$22,731$108.46$2.2KMSFT
5$24,280$1,770.26$27,874$120.09$3.6KMSFT
6$28,649$1,989.67$34,167$132.92$5.5KMSFT
7$33,685$2,227.97$41,865$147.05$8.2KMSFT
8$39,472$2,485.98$51,280$162.62$11.8KMSFT
9$46,104$2,764.50$62,793$179.77$16.7KMSFT
10$53,687$3,064.35$76,869$198.68$23.2KMSFT

HTGC vs MSFT: Complete Analysis 2026

HTGCBDC

Hercules Capital specializes in lending to venture-backed technology and life sciences companies. This unique focus allows it to capture higher yields than traditional BDCs. Strong origination network with leading VC firms. HTGC pays regular plus supplemental dividends, making total yield among the highest in BDC space.

Full HTGC Calculator →

MSFTTechnology

Microsoft has grown its dividend 10%+ annually for a decade, making it one of the best dividend growth stories in tech. Azure cloud dominance and AI integration (Copilot) drive strong cash generation. Low payout ratio of ~24% means dividends are extremely safe with significant room to grow.

Full MSFT Calculator →

Frequently Asked Questions

Is HTGC or MSFT better for dividend income in 2026?
HTGC currently offers a 10.22% yield (1.88/share/year) while MSFT offers 0.72% (3.00/share/year). HTGC provides higher current income. However, MSFT has grown its dividend faster (10.2% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in HTGC vs MSFT earn per year?
With $10,000 invested today: HTGC pays approximately $1022/year. MSFT pays approximately $72/year. With DRIP reinvestment over 10 years, these grow to $3,064/year (HTGC) and $199/year (MSFT).
Does HTGC or MSFT pay monthly dividends?
HTGC pays quarterly dividends. MSFT pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.