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NBFC vs XYLD: Dividend Comparison 2026

NBFC yields 7.71% · XYLD yields 9.02%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 NBFC wins by $12.2K in total portfolio value
10 years
NBFC
NBFC
● Live price
7.71%
Share price
$49.82
Annual div
$3.84
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$1,255.84
Full NBFC calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
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 — NBFC vs XYLD

📍 NBFC 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 PeriodNBFCXYLD
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%.
📅

Dividend Calendar Overlap

Combined, NBFC + XYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
NBFC pays
XYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

NBFC
Annual income on $10K today (after 15% tax)
$655.10/yr
After 10yr DRIP, annual income (after tax)
$1,067.46/yr
XYLD
Annual income on $10K today (after 15% tax)
$766.32/yr
After 10yr DRIP, annual income (after tax)
$2,009.19/yr
At 15% tax rate, XYLD beats the other by $941.72/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NBFC + XYLD for your $10,000?

NBFC: 50%XYLD: 50%
100% XYLD50/50100% NBFC
Portfolio after 10yr
$27.2K
Annual income
$1,809.80/yr
Blended yield
6.65%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NBFC buys
0
XYLD buys
0
No recent congressional trades found for NBFC or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNBFCXYLD
Forward yield7.71%9.02% ✓
Annual dividend / share$3.84 ✓$3.48
Payout ratio50% ✓90%
1-year div growth0% ✓-2.1%
5-year div CAGR0%0.5% ✓
Portfolio after 10y$33.3K ✓$21.1K
Annual income after 10y$1,255.84$2,363.75 ✓
Total dividends collected$10.2K$15.0K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearNBFC PortfolioNBFC Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,471$770.71$10,626$906.06+$845.00 → NBFC
2$13,100$826.23$11,324$995.47+$1.8K → NBFC
3$14,899$881.84$12,104$1,096.88+$2.8K → NBFC
4$16,879$937.32$12,977$1,212.21+$3.9K → NBFC
5$19,053$992.44$13,958$1,343.80+$5.1K → NBFC
6$21,434$1,046.97$15,061$1,494.40+$6.4K → NBFC
7$24,035$1,100.74$16,307$1,667.30+$7.7K → NBFC
8$26,871$1,153.57$17,717$1,866.48+$9.2K → NBFC
9$29,957$1,205.31$19,317$2,096.71+$10.6K → NBFC
10$33,310$1,255.84$21,140$2,363.75+$12.2K → NBFC

NBFC vs XYLD: Complete Analysis 2026

NBFC — Stock

A flexible, relative value multi-sector credit portfolio

Full NBFC Calculator →

XYLD — ETF

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 →
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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.