Is LOTZ or RYLD a better dividend investment in 2026?

LOTZ currently yields 1351.35% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: LOTZ offers higher current income.

What is the dividend yield difference between LOTZ and RYLD?

LOTZ has a forward dividend yield of 1351.35% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 1339.21 percentage points.

Home › Compare › LOTZ vs RYLD

LOTZ vs RYLD: Dividend Comparison 2026

LOTZ yields 1351.35% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 LOTZ wins by $272583783.29M in total portfolio value

INVESTMENT

TIME HORIZON10 years

LOTZ

● Live price

1351.35%

Share price

$0.15

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$272583783.33M

Annual income

$237,946,152,207,798.20

Full LOTZ calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — LOTZ vs RYLD

📍 LOTZ 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 Period	LOTZ	RYLD
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, LOTZ + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LOTZ pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

LOTZ

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

$114,864.86/yr

After 10yr DRIP, annual income (after tax)

$202,254,229,376,628.47/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, LOTZ beats the other by $202,254,229,374,429.22/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of LOTZ + RYLD for your $10,000?

LOTZ: 50%RYLD: 50%

100% RYLD50/50100% LOTZ

Portfolio after 10yr

$136291891.69M

Annual income

$118,973,076,105,192.77/yr

Blended yield

87.29%

📊

Analyst Conviction Gap

Where Wall Street is split right now

LOTZ

Analyst Ratings

Hold

Consensus: Hold

Price Target

$3.00

+1927.0% upside vs current

Range: $3.00 — $3.00

RYLD

No analyst data

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)

LOTZ buys

RYLD buys

No recent congressional trades found for LOTZ or RYLD in the last 90 days.

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

MetricLOTZRYLD

Forward yield	1351.35% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$272583783.33M ✓	$44.5K
Annual income after 10y	$237,946,152,207,798.20 ✓	$2,587.35
Total dividends collected	$270034496.72M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: LOTZ vs RYLD ($10,000, DRIP)

Year	LOTZ Portfolio	LOTZ Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$145,835	$135,135.14	$11,914	$1,213.65	+$133.9K → LOTZ
2	$1,997,861	$1,841,817.82	$14,099	$1,351.30	+$1.98M → LOTZ
3	$25,718,922	$23,581,209.93	$16,580	$1,494.55	+$25.70M → LOTZ
4	$311,226,018	$283,706,772.10	$19,384	$1,642.61	+$311.21M → LOTZ
5	$3,541,563,721	$3,208,551,881.06	$22,535	$1,794.70	+$3541.54M → LOTZ
6	$37,912,256,783	$34,122,783,602.07	$26,063	$1,950.00	+$37912.23M → LOTZ
7	$381,951,756,579	$341,385,641,821.17	$29,995	$2,107.69	+$381951.73M → LOTZ
8	$3,623,017,539,296	$3,214,329,159,756.85	$34,361	$2,266.99	+$3623017.50M → LOTZ
9	$32,371,617,873,390	$28,494,989,106,343.02	$39,194	$2,427.12	+$32371617.83M → LOTZ
10	$272,583,783,332,326	$237,946,152,207,798.20	$44,525	$2,587.35	+$272583783.29M → LOTZ

LOTZ vs RYLD: Complete Analysis 2026

LOTZ — Stock

CarLotz, Inc. operates as a consignment-to-retail used vehicle marketplace that provides its corporate vehicle sourcing partners and retail sellers of used vehicles. The company serves corporate vehicle sourcing partners, which include fleet leasing companies, vehicle rental companies, banks, finance companies, third-party remarketers, wholesalers, corporations managing their own fleets, and original equipment manufacturers; retail sellers of used vehicles to individuals; and retail customers. It operates 22 retail hubs throughout the Mid-Atlantic, Southeast, Southcentral, Midwest, West, and Pacific Northwest regions of the United States. The company was incorporated in 2011 and is headquartered in Richmond, Virginia. As of December 9, 2022, CarLotz, Inc. operates as a subsidiary of Shift Technologies, Inc..

Full LOTZ Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.