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MO vs XYLD: Dividend Comparison 2026

MO yields 9.11% · XYLD yields 9.02% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $6.5K in total portfolio value
10 years
MO
Altria Group Inc.
9.11%
Share price
$44.80
Annual div
$4.08
5Y div CAGR
4.3%
Payout ratio
78%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$4,052.72
Full MO calculator →
XYLD
Global X S&P 500 Covered Call ETF
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — MO vs XYLD

Annual dividend income

MetricMOXYLD
Forward yield9.11%9.02%
Annual dividend / share$4.08$3.48
Payout ratio78%90%
1-year div growth4.1%-2.1%
5-year div CAGR4.3%0.5%
Portfolio after 10y$27.7K$21.1K
Annual income after 10y$4,052.72$2,363.75
Total dividends collected$20.9K$15.0K
Payment frequencyquarterlymonthly
SectorConsumer StaplesETF

Year-by-year: MO vs XYLD ($10,000, DRIP)

YearMO PortfolioMO Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,740$949.88$10,626$906.06+$114.00MO
2$11,601$1,086.84$11,324$995.47+$277.00MO
3$12,608$1,250.75$12,104$1,096.88+$504.00MO
4$13,792$1,448.20$12,977$1,212.21+$815.00MO
5$15,190$1,687.69$13,958$1,343.80+$1.2KMO
6$16,851$1,980.28$15,061$1,494.40+$1.8KMO
7$18,838$2,340.48$16,307$1,667.30+$2.5KMO
8$21,230$2,787.44$17,717$1,866.48+$3.5KMO
9$24,130$3,346.72$19,317$2,096.71+$4.8KMO
10$27,676$4,052.72$21,140$2,363.75+$6.5KMO

MO vs XYLD: Complete Analysis 2026

MOConsumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO Calculator →

XYLDETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

Frequently Asked Questions

Is MO or XYLD better for dividend income in 2026?
MO currently offers a 9.11% yield (4.08/share/year) while XYLD offers 9.02% (3.48/share/year). MO provides higher current income. However, MO has grown its dividend faster (4.3% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in MO vs XYLD earn per year?
With $10,000 invested today: MO pays approximately $911/year. XYLD pays approximately $902/year. With DRIP reinvestment over 10 years, these grow to $4,053/year (MO) and $2,364/year (XYLD).
Does MO or XYLD pay monthly dividends?
MO pays quarterly dividends. XYLD pays monthly dividends. XYLD pays monthly, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.