Is ILPMY or FCPT a better dividend investment in 2026?

ILPMY currently yields 0.52% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between ILPMY and FCPT?

ILPMY has a forward dividend yield of 0.52% ($0.02/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 5.53 percentage points.

Home › Compare › ILPMY vs FCPT

ILPMY vs FCPT: Dividend Comparison 2026

ILPMY yields 0.52% · FCPT yields 6.05%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FCPT wins by $29.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ILPMY

● Live price

0.52%

Share price

$3.88

Annual div

$0.02

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.8K

Annual income

$0.05

Full ILPMY calculator →

FCPT

● Live price

6.05%

Share price

$23.65

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.1K

Annual income

$5,775.28

Full FCPT calculator →

Portfolio growth — ILPMY vs FCPT

📍 FCPT pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

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

Crisis Period	ILPMY	FCPT
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%.

📅

Dividend Calendar Overlap

Combined, ILPMY + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ILPMY pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

ILPMY

Annual income on $10K today (after 15% tax)

$43.81/yr

After 10yr DRIP, annual income (after tax)

$0.04/yr

FCPT

Annual income on $10K today (after 15% tax)

$514.49/yr

After 10yr DRIP, annual income (after tax)

$4,908.99/yr

At 15% tax rate, FCPT beats the other by $4,908.95/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ILPMY + FCPT for your $10,000?

ILPMY: 50%FCPT: 50%

100% FCPT50/50100% ILPMY

Portfolio after 10yr

$34.4K

Annual income

$2,887.67/yr

Blended yield

8.39%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

ILPMY

Analyst Ratings

Sell

Consensus: Sell

Altman Z

0.2

Piotroski

6/9

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+14.2% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

Piotroski

6/9

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)

ILPMY buys

FCPT buys

No recent congressional trades found for ILPMY or FCPT in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricILPMYFCPT

Forward yield	0.52%	6.05% ✓
Annual dividend / share	$0.02	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	15.8% ✓
Portfolio after 10y	$19.8K	$49.1K ✓
Annual income after 10y	$0.05	$5,775.28 ✓
Total dividends collected	$52.00 ✓	$24.1K
Payment frequency	quarterly	quarterly
Sector	Stock	REIT
Analyst consensus	Sell	Hold

Year-by-year: ILPMY vs FCPT ($10,000, DRIP)

Year	ILPMY Portfolio	ILPMY Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$10,726	$25.77	$11,401	$700.92	$675.00 → FCPT
2	$11,489	$12.92	$13,064	$864.84	$1.6K → FCPT
3	$12,300	$6.47	$15,051	$1,072.48	$2.8K → FCPT
4	$13,164	$3.23	$17,442	$1,337.22	$4.3K → FCPT
5	$14,088	$1.62	$20,340	$1,677.08	$6.3K → FCPT
6	$15,075	$0.81	$23,880	$2,116.57	$8.8K → FCPT
7	$16,130	$0.40	$28,241	$2,689.36	$12.1K → FCPT
8	$17,259	$0.20	$33,660	$3,442.07	$16.4K → FCPT
9	$18,468	$0.10	$40,456	$4,439.95	$22.0K → FCPT
10	$19,761	$0.05	$49,063	$5,775.28	$29.3K → FCPT

ILPMY vs FCPT: Complete Analysis 2026

ILPMY — Stock

Permanent TSB Group Holdings plc provides financial services to retail, and small and medium sized enterprises. It offers current accounts; retail, corporate, and institutional deposits; mortgages; consumer finance, including term loans, credit cards, and overdrafts; treasury assets; and wholesale funding services. The company also offers mobile and online banking services. It operates through a network of 25 branches in Dublin region, 25 branches in South and East region of the Republic of Ireland, 26 branches in North and West region of the Republic of Ireland. The company was formerly known as Irish Life & Permanent Group Holdings plc and changed its name to Permanent TSB Group Holdings plc in May 2012. Permanent TSB Group Holdings plc was founded in 1816 and is headquartered in Dublin, Ireland.

Full ILPMY Calculator →

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT Calculator →

📬

Get this ILPMY vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

ILPMY vs SCHD ILPMY vs JEPI ILPMY vs O ILPMY vs KO ILPMY vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.