HomeCompareHTLFP vs ARCC

HTLFP vs ARCC: Dividend Comparison 2026

HTLFP yields 6.99% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTLFP wins by $44135.28M in total portfolio value
10 years
HTLFP
HTLFP
● Live price
6.99%
Share price
$25.05
Annual div
$1.75
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44135.30M
Annual income
$42,954,134,401.51
Full HTLFP calculator →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — HTLFP vs ARCC

📍 HTLFP pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

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

Crisis PeriodHTLFPARCC
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, HTLFP + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HTLFP pays
ARCC pays
Both pay
Neither
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Tax Bracket Optimizer

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

HTLFP
Annual income on $10K today (after 15% tax)
$593.81/yr
After 10yr DRIP, annual income (after tax)
$36,511,014,241.28/yr
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, HTLFP beats the other by $36,511,014,240.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HTLFP + ARCC for your $10,000?

HTLFP: 50%ARCC: 50%
100% ARCC50/50100% HTLFP
Portfolio after 10yr
$22067.66M
Annual income
$21,477,067,201.32/yr
Blended yield
97.32%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

HTLFP
Analyst Ratings
1
Strong
3
Buy
4
Hold
Consensus: Hold
Altman Z
0.7
Piotroski
7/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

HTLFP buys
0
ARCC buys
0
No recent congressional trades found for HTLFP or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHTLFPARCC
Forward yield6.99%10.65%
Annual dividend / share$1.75$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%-50%
Portfolio after 10y$44135.30M$24.5K
Annual income after 10y$42,954,134,401.51$1.14
Total dividends collected$44054.14M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

Year-by-year: HTLFP vs ARCC ($10,000, DRIP)

YearHTLFP PortfolioHTLFP Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$12,097$1,397.21$11,373$532.74+$724.00HTLFP
2$16,103$3,159.31$12,608$279.46+$3.5KHTLFP
3$25,091$7,860.82$13,809$142.90+$11.3KHTLFP
4$49,742$22,894.09$15,042$72.20+$34.7KHTLFP
5$138,057$84,833.46$16,341$36.27+$121.7KHTLFP
6$587,820$440,099.22$17,732$18.18+$570.1KHTLFP
7$4,131,502$3,502,533.73$19,231$9.10+$4.11MHTLFP
8$50,434,895$46,014,188.67$20,851$4.55+$50.41MHTLFP
9$1,103,897,363$1,049,932,024.49$22,605$2.28+$1103.87MHTLFP
10$44,135,304,579$42,954,134,401.51$24,504$1.14+$44135.28MHTLFP

HTLFP vs ARCC: Complete Analysis 2026

HTLFPStock

Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, wealth management, trust, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, and brokerage services, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 129 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.

Full HTLFP Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.