Is IOUFF or QYLD a better dividend investment in 2026?

IOUFF currently yields 1243.01% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: IOUFF offers higher current income.

What is the dividend yield difference between IOUFF and QYLD?

IOUFF has a forward dividend yield of 1243.01% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 1231.09 percentage points.

Home › Compare › IOUFF vs QYLD

IOUFF vs QYLD: Dividend Comparison 2026

IOUFF yields 1243.01% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 IOUFF wins by $128705710.70M in total portfolio value

INVESTMENT

TIME HORIZON10 years

IOUFF

● Live price

1243.01%

Share price

$0.16

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$128705710.72M

Annual income

$111,120,135,187,325.02

Full IOUFF calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — IOUFF vs QYLD

📍 IOUFF 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	IOUFF	QYLD
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, IOUFF + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IOUFF pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IOUFF

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

$105,655.69/yr

After 10yr DRIP, annual income (after tax)

$94,452,114,909,226.27/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, IOUFF beats the other by $94,452,114,904,415.86/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IOUFF + QYLD for your $10,000?

IOUFF: 50%QYLD: 50%

100% QYLD50/50100% IOUFF

Portfolio after 10yr

$64352855.37M

Annual income

$55,560,067,596,492.16/yr

Blended yield

86.34%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IOUFF buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricIOUFFQYLD

Forward yield	1243.01% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$128705710.72M ✓	$25.4K
Annual income after 10y	$111,120,135,187,325.02 ✓	$5,659.31
Total dividends collected	$127399125.50M ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: IOUFF vs QYLD ($10,000, DRIP)

Year	IOUFF Portfolio	IOUFF Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$135,001	$124,300.81	$10,352	$1,192.36	+$124.6K → IOUFF
2	$1,712,741	$1,568,290.61	$10,830	$1,347.57	+$1.70M → IOUFF
3	$20,427,720	$18,595,086.80	$11,460	$1,539.07	+$20.42M → IOUFF
4	$229,130,558	$207,272,897.61	$12,275	$1,777.84	+$229.12M → IOUFF
5	$2,417,980,210	$2,172,810,513.19	$13,323	$2,078.95	+$2417.97M → IOUFF
6	$24,016,529,967	$21,429,291,141.44	$14,667	$2,463.34	+$24016.52M → IOUFF
7	$224,619,103,924	$198,921,416,859.28	$16,396	$2,960.57	+$224619.09M → IOUFF
8	$1,979,080,651,152	$1,738,738,209,953.57	$18,631	$3,612.97	+$1979080.63M → IOUFF
9	$16,435,117,323,940	$14,317,501,027,207.66	$21,548	$4,482.15	+$16435117.30M → IOUFF
10	$128,705,710,723,941	$111,120,135,187,325.02	$25,398	$5,659.31	+$128705710.70M → IOUFF

IOUFF vs QYLD: Complete Analysis 2026

IOUFF — Stock

IOU Financial Inc., through its subsidiary, IOU Central Inc., operates an Internet-based commercial lending business in the United States. The company originates and sells commercial loans receivable; and services loans that are sold to institutional purchasers on a non-recourse basis. It serves medical and dental practices, grocery and retail stores, restaurant and hotel franchisees, and e-commerce companies. IOU Financial Inc. was founded in 1977 and is headquartered in Montreal, Canada.

Full IOUFF Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD Calculator →

📬

Get this IOUFF vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IOUFF vs SCHD IOUFF vs JEPI IOUFF vs O IOUFF vs KO IOUFF vs MAIN IOUFF vs XYLD IOUFF vs JEPQ IOUFF vs RYLD

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