Is LRLCY or RYLD a better dividend investment in 2026?

LRLCY currently yields 1.92% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between LRLCY and RYLD?

LRLCY has a forward dividend yield of 1.92% ($1.59/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 10.22 percentage points.

Home › Compare › LRLCY vs RYLD

LRLCY vs RYLD: Dividend Comparison 2026

LRLCY yields 1.92% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 LRLCY wins by $7.46M in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

LRLCY

● Live price

1.92%

Share price

$82.38

Annual div

$1.59

5Y div CAGR

87.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$7.50M

Annual income

$6,290,239.04

Full LRLCY 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 — LRLCY vs RYLD

📍 LRLCY pulled ahead of the other in Year 5

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	LRLCY	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, LRLCY + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LRLCY 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.

LRLCY

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

$163.62/yr

After 10yr DRIP, annual income (after tax)

$5,346,703.18/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, LRLCY beats the other by $5,344,503.94/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 LRLCY + RYLD for your $10,000?

LRLCY: 50%RYLD: 50%

100% RYLD50/50100% LRLCY

Portfolio after 10yr

$3.77M

Annual income

$3,146,413.19/yr

Blended yield

83.41%

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Analyst Conviction Gap

Where Wall Street is split right now

LRLCY

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Altman Z

7.2

Piotroski

7/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LRLCY buys

RYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Josh Gottheimer	🏢 House	$LRLCY	▼ Sell	$1,001 - $15,000	2025-04-09
Josh Gottheimer	🏢 House	$LRLCY	▼ Sell	$1,001 - $15,000	2024-06-21
Josh Gottheimer	🏢 House	$LRLCY	▲ Buy	$1,001 - $15,000	2024-02-26
Josh Gottheimer	🏢 House	$LRLCY	▲ Buy	$1,001 - $15,000	2023-09-12
Daniel Goldman	🏢 House	$LRLCY	▼ Sell	$15,001 - $50,000	2023-07-10
Josh Gottheimer	🏢 House	$LRLCY	▼ Sell	$1,001 - $15,000	2023-03-10
Josh Gottheimer	🏢 House	$LRLCY	▲ Buy	$1,001 - $15,000	2021-09-16
Peter Meijer	🏢 House	$LRLCY	▼ Sell	$15,001 - $50,000	2021-02-17
Greg Gianforte	🏢 House	$LRLCY	▼ Sell	$15,001 - $50,000	2020-01-13
Donna Shalala	🏢 House	$LRLCY	▼ Sell	$15,001 - $50,000	2019-06-24

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

MetricLRLCYRYLD

Forward yield	1.92%	12.14% ✓
Annual dividend / share	$1.59	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	87.3% ✓	0%
Portfolio after 10y	$7.50M	$44.5K ✓
Annual income after 10y	$6,290,239.04 ✓	$2,587.35
Total dividends collected	$7.38M	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	LRLCY Portfolio	LRLCY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,061	$360.54	$11,914	$1,213.65	$853.00 → RYLD
2	$12,533	$698.04	$14,099	$1,351.30	$1.6K → RYLD
3	$14,795	$1,384.55	$16,580	$1,494.55	$1.8K → RYLD
4	$18,691	$2,861.00	$19,384	$1,642.61	$693.00 → RYLD
5← crossover	$26,327	$6,327.12	$22,535	$1,794.70	+$3.8K → LRLCY
6	$43,769	$15,599.79	$26,063	$1,950.00	+$17.7K → LRLCY
7	$92,232	$45,398.95	$29,995	$2,107.69	+$62.2K → LRLCY
8	$266,149	$167,460.19	$34,361	$2,266.99	+$231.8K → LRLCY
9	$1,130,656	$845,876.74	$39,194	$2,427.12	+$1.09M → LRLCY
10	$7,500,041	$6,290,239.04	$44,525	$2,587.35	+$7.46M → LRLCY

LRLCY vs RYLD: Complete Analysis 2026

LRLCY — Stock

L'Oréal S.A., through its subsidiaries, manufactures and sells cosmetic products for women and men worldwide. The company operates through four divisions: Consumer Products, L'oréal Luxe, Professional Products, and Active Cosmetics. It offers shampoos, hair care products, shower gels, skin care products, cleansers, hair colors, styling products, deodorants, sun care products, make-up, perfumes, etc. The company provides its products under the L'Oréal Paris, Garnier, Maybelline New York, NYX Professional Makeup, Essie, Niely, Dark and Lovely, Lancôme, Yves Saint Laurent Beauté, Giorgio Armani Beauty, Kiehl's, Urban Decay, Biotherm, Ralph Lauren, IT Cosmetics, L'Oréal Professionnel, Kérastase, Redken, Matrix, Biolage, Pureology, Decléor, Carita, Vichy, La Roche-Posay, SkinCeuticals, Roger&Gallet, CeraVe, Stylenanda, Mixa, Magic Mask, Prada, Helena Rubinstein, Valentino, Mugler, Shu Uemura, Viktor&Rolf, Azzaro, Diesel, Atelier Cologne, Cacharel, and Yue Sai brands. It sells its products through distribution channels, such as hair salons, mass-market retail channels, perfumeries, department stores, pharmacies, drugstores, medispas, branded retail, travel retail, and e-commerce. L'Oréal S.A. was founded in 1909 and is headquartered in Clichy, France.

Full LRLCY 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.