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HTGC vs PEP: Dividend Comparison 2026

HTGC yields 10.22% · PEP yields 3.69% · See full DRIP projection below

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $32.2K 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 →
PEP
PepsiCo Inc.
3.69%
Share price
$146.80
Annual div
$5.42
5Y div CAGR
6.7%
Payout ratio
72%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.5K
Annual income
$1,034.52
Full PEP calculator →

Portfolio growth — HTGC vs PEP

Annual dividend income

MetricHTGCPEP
Forward yield10.22%3.69%
Annual dividend / share$1.88$5.42
Payout ratio90%72%
1-year div growth5.6%7.1%
5-year div CAGR4.2%6.7%
Portfolio after 10y$53.7K$21.5K
Annual income after 10y$3,064.35$1,034.52
Total dividends collected$19.5K$6.6K
Payment frequencyquarterlyquarterly
SectorBDCConsumer Staples

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

YearHTGC PortfolioHTGC Income/yrPEP PortfolioPEP Income/yrGap
1$12,045$1,064.65$10,734$393.95+$1.3KHTGC
2$14,442$1,216.94$11,535$436.36+$2.9KHTGC
3$17,242$1,384.73$12,411$483.90+$4.8KHTGC
4$20,501$1,568.89$13,371$537.26+$7.1KHTGC
5$24,280$1,770.26$14,422$597.26+$9.9KHTGC
6$28,649$1,989.67$15,578$664.81+$13.1KHTGC
7$33,685$2,227.97$16,848$740.97+$16.8KHTGC
8$39,472$2,485.98$18,248$826.99+$21.2KHTGC
9$46,104$2,764.50$19,793$924.28+$26.3KHTGC
10$53,687$3,064.35$21,500$1,034.52+$32.2KHTGC

HTGC vs PEP: 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 →

PEPConsumer Staples

PepsiCo is a Dividend King with 52+ consecutive years of increases. Its diversified portfolio spans beverages and snacks via brands including Pepsi, Gatorade, Lay's, and Quaker. Snack food exposure provides more stable volumes than pure beverages. International expansion in emerging markets drives long-term growth.

Full PEP Calculator →

Frequently Asked Questions

Is HTGC or PEP better for dividend income in 2026?
HTGC currently offers a 10.22% yield (1.88/share/year) while PEP offers 3.69% (5.42/share/year). HTGC provides higher current income. However, PEP has grown its dividend faster (6.7% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in HTGC vs PEP earn per year?
With $10,000 invested today: HTGC pays approximately $1022/year. PEP pays approximately $369/year. With DRIP reinvestment over 10 years, these grow to $3,064/year (HTGC) and $1,035/year (PEP).
Does HTGC or PEP pay monthly dividends?
HTGC pays quarterly dividends. PEP 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.