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HTGC vs T: Dividend Comparison 2026

HTGC yields 10.22% · T yields 6.24% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $44.6K 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 →
T
AT&T Inc.
6.24%
Share price
$17.80
Annual div
$1.11
5Y div CAGR
-8.2%
Payout ratio
58%
After 10 yrs · $10,000 · DRIP
Portfolio value
$9.1K
Annual income
$432.01
Full T calculator →

Portfolio growth — HTGC vs T

Annual dividend income

MetricHTGCT
Forward yield10.22%6.24%
Annual dividend / share$1.88$1.11
Payout ratio90%58%
1-year div growth5.6%0%
5-year div CAGR4.2%-8.2%
Portfolio after 10y$53.7K$9.1K
Annual income after 10y$3,064.35$432.01
Total dividends collected$19.5K$5.0K
Payment frequencyquarterlyquarterly
SectorBDCTelecom

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

YearHTGC PortfolioHTGC Income/yrT PortfolioT Income/yrGap
1$12,045$1,064.65$9,962$572.46+$2.1KHTGC
2$14,442$1,216.94$9,912$557.56+$4.5KHTGC
3$17,242$1,384.73$9,850$542.34+$7.4KHTGC
4$20,501$1,568.89$9,776$526.88+$10.7KHTGC
5$24,280$1,770.26$9,691$511.23+$14.6KHTGC
6$28,649$1,989.67$9,595$495.45+$19.1KHTGC
7$33,685$2,227.97$9,489$479.58+$24.2KHTGC
8$39,472$2,485.98$9,374$463.69+$30.1KHTGC
9$46,104$2,764.50$9,250$447.82+$36.9KHTGC
10$53,687$3,064.35$9,118$432.01+$44.6KHTGC

HTGC vs T: 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 →

TTelecom

AT&T is one of the largest telecom companies in the US. After spinning off WarnerMedia in 2022 and cutting its dividend, AT&T has stabilized its payout at $1.11/year. High yield makes it attractive for pure income investors, though dividend growth has been absent. The company is focused on debt reduction and fiber network expansion.

Full T Calculator →

Frequently Asked Questions

Is HTGC or T better for dividend income in 2026?
HTGC currently offers a 10.22% yield (1.88/share/year) while T offers 6.24% (1.11/share/year). HTGC provides higher current income. However, HTGC has grown its dividend faster (4.2% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in HTGC vs T earn per year?
With $10,000 invested today: HTGC pays approximately $1022/year. T pays approximately $624/year. With DRIP reinvestment over 10 years, these grow to $3,064/year (HTGC) and $432/year (T).
Does HTGC or T pay monthly dividends?
HTGC pays quarterly dividends. T 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.