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IBM vs HTGC: Dividend Comparison 2026

IBM yields 3.06% · HTGC yields 10.22% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $26.1K in total portfolio value
10 years
IBM
International Business Machines
3.06%
Share price
$218.40
Annual div
$6.68
5Y div CAGR
1%
Payout ratio
64%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.6K
Annual income
$410.34
Full IBM calculator →
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 →

Portfolio growth — IBM vs HTGC

Annual dividend income

MetricIBMHTGC
Forward yield3.06%10.22%
Annual dividend / share$6.68$1.88
Payout ratio64%90%
1-year div growth0.6%5.6%
5-year div CAGR1%4.2%
Portfolio after 10y$27.6K$53.7K
Annual income after 10y$410.34$3,064.35
Total dividends collected$3.6K$19.5K
Payment frequencyquarterlyquarterly
SectorTechnologyBDC

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

YearIBM PortfolioIBM Income/yrHTGC PortfolioHTGC Income/yrGap
1$11,149$308.92$12,045$1,064.65$896.00HTGC
2$12,406$320.90$14,442$1,216.94$2.0KHTGC
3$13,781$332.72$17,242$1,384.73$3.5KHTGC
4$15,283$344.36$20,501$1,568.89$5.2KHTGC
5$16,923$355.82$24,280$1,770.26$7.4KHTGC
6$18,711$367.09$28,649$1,989.67$9.9KHTGC
7$20,661$378.18$33,685$2,227.97$13.0KHTGC
8$22,786$389.09$39,472$2,485.98$16.7KHTGC
9$25,100$399.81$46,104$2,764.50$21.0KHTGC
10$27,618$410.34$53,687$3,064.35$26.1KHTGC

IBM vs HTGC: Complete Analysis 2026

IBMTechnology

IBM is a Dividend Aristocrat with 28+ consecutive years of increases. After spinning off its managed infrastructure business as Kyndryl in 2021, IBM refocused on hybrid cloud and AI. Its Red Hat acquisition underpins a software-led business model with higher margins and more predictable revenue growth.

Full IBM Calculator →

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 →

Frequently Asked Questions

Is IBM or HTGC better for dividend income in 2026?
IBM currently offers a 3.06% yield (6.68/share/year) while HTGC offers 10.22% (1.88/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 IBM vs HTGC earn per year?
With $10,000 invested today: IBM pays approximately $306/year. HTGC pays approximately $1022/year. With DRIP reinvestment over 10 years, these grow to $410/year (IBM) and $3,064/year (HTGC).
Does IBM or HTGC pay monthly dividends?
IBM pays quarterly dividends. HTGC 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.