HomeCompareIOUFF vs SPHD

IOUFF vs SPHD: Dividend Comparison 2026

IOUFF yields 1243.01% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IOUFF wins by $128705710.70M in total portfolio value
10 years
IOUFF
IOUFF
● Live price
1243.01%
Share price
$0.16
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$128705710.72M
Annual income
$111,120,135,187,325.02
Full IOUFF calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — IOUFF vs SPHD

📍 IOUFF 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 PeriodIOUFFSPHD
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, IOUFF + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IOUFF pays
SPHD pays
Both pay
Neither
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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
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, IOUFF beats the other by $94,452,114,908,740.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IOUFF: 50%SPHD: 50%
100% SPHD50/50100% IOUFF
Portfolio after 10yr
$64352855.38M
Annual income
$55,560,067,593,948.16/yr
Blended yield
86.34%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IOUFF buys
0
SPHD buys
0
No recent congressional trades found for IOUFF or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIOUFFSPHD
Forward yield1243.01%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$128705710.72M$26.5K
Annual income after 10y$111,120,135,187,325.02$571.32
Total dividends collected$127399125.50M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearIOUFF PortfolioIOUFF Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$135,001$124,300.81$11,133$432.85+$123.9KIOUFF
2$1,712,741$1,568,290.61$12,363$450.36+$1.70MIOUFF
3$20,427,720$18,595,086.80$13,695$467.39+$20.41MIOUFF
4$229,130,558$207,272,897.61$15,138$483.90+$229.12MIOUFF
5$2,417,980,210$2,172,810,513.19$16,697$499.88+$2417.96MIOUFF
6$24,016,529,967$21,429,291,141.44$18,382$515.31+$24016.51MIOUFF
7$224,619,103,924$198,921,416,859.28$20,198$530.17+$224619.08MIOUFF
8$1,979,080,651,152$1,738,738,209,953.57$22,157$544.46+$1979080.63MIOUFF
9$16,435,117,323,940$14,317,501,027,207.66$24,266$558.18+$16435117.30MIOUFF
10$128,705,710,723,941$111,120,135,187,325.02$26,536$571.32+$128705710.70MIOUFF

IOUFF vs SPHD: Complete Analysis 2026

IOUFFStock

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 →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.