Is MFGI or RYLD a better dividend investment in 2026?

MFGI currently yields 2.26% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between MFGI and RYLD?

MFGI has a forward dividend yield of 2.26% ($0.79/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 10.13 percentage points.

Home › Compare › MFGI vs RYLD

MFGI vs RYLD: Dividend Comparison 2026

MFGI yields 2.26% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 MFGI wins by $182.4K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

MFGI

● Live price

2.26%

Share price

$35.00

Annual div

$0.79

5Y div CAGR

56.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$227.6K

Annual income

$113,362.76

Full MFGI calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — MFGI vs RYLD

📍 MFGI pulled ahead of the other in Year 6

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MFGI 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.

MFGI

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

$191.86/yr

After 10yr DRIP, annual income (after tax)

$96,358.35/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, MFGI beats the other by $94,077.81/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 MFGI + RYLD for your $10,000?

MFGI: 50%RYLD: 50%

100% RYLD50/50100% MFGI

Portfolio after 10yr

$136.5K

Annual income

$58,022.87/yr

Blended yield

42.52%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MFGI buys

RYLD buys

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

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

MetricMFGIRYLD

Forward yield	2.26%	12.39% ✓
Annual dividend / share	$0.79	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	56.2% ✓	0%
Portfolio after 10y	$227.6K ✓	$45.3K
Annual income after 10y	$113,362.76 ✓	$2,682.98
Total dividends collected	$195.5K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	MFGI Portfolio	MFGI Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,053	$352.57	$11,939	$1,239.34	$886.00 → RYLD
2	$12,395	$568.85	$14,158	$1,382.89	$1.8K → RYLD
3	$14,194	$931.29	$16,682	$1,532.59	$2.5K → RYLD
4	$16,744	$1,556.82	$19,537	$1,687.64	$2.8K → RYLD
5	$20,598	$2,681.02	$22,752	$1,847.20	$2.2K → RYLD
6← crossover	$26,854	$4,814.40	$26,355	$2,010.43	+$499.00 → MFGI
7	$37,896	$9,162.83	$30,376	$2,176.45	+$7.5K → MFGI
8	$59,426	$18,876.39	$34,847	$2,344.43	+$24.6K → MFGI
9	$106,796	$43,210.69	$39,800	$2,513.54	+$67.0K → MFGI
10	$227,634	$113,362.76	$45,269	$2,682.98	+$182.4K → MFGI

MFGI vs RYLD: Complete Analysis 2026

MFGI — Stock

Merchants Financial Group, Inc. operates as the bank holding company for Merchants Bank, National Association that provides various banking products and services to individuals and families, and companies in the United States. It offers checking, savings, certificates of deposit, and individual retirement accounts; and debit, gift, travel, and credit cards. The company also provides personal loans for cars and autos, boats, trailers, motorcycles, tractors, or RVs; furniture or appliances; debt consolidation services; mortgage, construction, home equity, term, commercial and residential real estate, equipment finance, floor plan, fleet/truck, small business, farming/start-up, and other loans, as well as finance for farming operations, including working capital and input costs, equipment, capital improvements, and others. In addition, it offers investment and trust, treasury management, and mobile and online banking services. It operates branches in Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, Cannon Falls, Red Wing, Hampton, Hastings, Apple Valley, Lakeville, Cottage Grove, Rosemount, and Northfield, Minnesota; and Onalaska and Eau Claire, Wisconsin. The company was founded in 1875 and is headquartered in Winona, Minnesota.

Full MFGI 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.