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HTGC vs VYM: Dividend Comparison 2026

HTGC yields 10.22% · VYM yields 2.91% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $22.4K 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 →
VYM
Vanguard High Dividend Yield ETF
2.91%
Share price
$118.40
Annual div
$3.44
5Y div CAGR
7.8%
Payout ratio
45%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.3K
Annual income
$785.17
Full VYM calculator →

Portfolio growth — HTGC vs VYM

Annual dividend income

MetricHTGCVYM
Forward yield10.22%2.91%
Annual dividend / share$1.88$3.44
Payout ratio90%45%
1-year div growth5.6%6.2%
5-year div CAGR4.2%7.8%
Portfolio after 10y$53.7K$31.3K
Annual income after 10y$3,064.35$785.17
Total dividends collected$19.5K$5.2K
Payment frequencyquarterlyquarterly
SectorBDCETF

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

YearHTGC PortfolioHTGC Income/yrVYM PortfolioVYM Income/yrGap
1$12,045$1,064.65$11,223$313.20+$822.00HTGC
2$14,442$1,216.94$12,592$347.33+$1.9KHTGC
3$17,242$1,384.73$14,123$385.04+$3.1KHTGC
4$20,501$1,568.89$15,835$426.70+$4.7KHTGC
5$24,280$1,770.26$17,748$472.73+$6.5KHTGC
6$28,649$1,989.67$19,887$523.54+$8.8KHTGC
7$33,685$2,227.97$22,276$579.64+$11.4KHTGC
8$39,472$2,485.98$24,945$641.54+$14.5KHTGC
9$46,104$2,764.50$27,925$709.84+$18.2KHTGC
10$53,687$3,064.35$31,251$785.17+$22.4KHTGC

HTGC vs VYM: 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 →

VYMETF

VYM tracks the FTSE High Dividend Yield Index, holding ~450 large-cap US companies with above-average dividend yields. With an ultra-low 0.06% expense ratio, it's one of the cheapest dividend ETFs available. Excellent core holding for long-term dividend growth investors seeking broad diversification and reliable income.

Full VYM Calculator →

Frequently Asked Questions

Is HTGC or VYM better for dividend income in 2026?
HTGC currently offers a 10.22% yield (1.88/share/year) while VYM offers 2.91% (3.44/share/year). HTGC provides higher current income. However, VYM has grown its dividend faster (7.8% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in HTGC vs VYM earn per year?
With $10,000 invested today: HTGC pays approximately $1022/year. VYM pays approximately $291/year. With DRIP reinvestment over 10 years, these grow to $3,064/year (HTGC) and $785/year (VYM).
Does HTGC or VYM pay monthly dividends?
HTGC pays quarterly dividends. VYM 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.