Is NICK or RYLD a better dividend investment in 2026?

NICK currently yields 32.31% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: NICK offers higher current income.

What is the dividend yield difference between NICK and RYLD?

NICK has a forward dividend yield of 32.31% ($2.00/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 19.92 percentage points.

Home › Compare › NICK vs RYLD

NICK vs RYLD: Dividend Comparison 2026

NICK yields 32.31% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 NICK wins by $105.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

NICK

● Live price

32.31%

Share price

$6.19

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$151.1K

Annual income

$21,317.26

Full NICK 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 — NICK vs RYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

NICK 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.

NICK

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

$2,746.37/yr

After 10yr DRIP, annual income (after tax)

$18,119.67/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, NICK beats the other by $15,839.14/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 NICK + RYLD for your $10,000?

NICK: 50%RYLD: 50%

100% RYLD50/50100% NICK

Portfolio after 10yr

$98.2K

Annual income

$12,000.12/yr

Blended yield

12.22%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NICK buys

RYLD buys

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

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

MetricNICKRYLD

Forward yield	32.31% ✓	12.39%
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	$151.1K ✓	$45.3K
Annual income after 10y	$21,317.26 ✓	$2,682.98
Total dividends collected	$106.0K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	NICK Portfolio	NICK Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$13,931	$3,231.02	$11,939	$1,239.34	+$2.0K → NICK
2	$19,113	$4,206.67	$14,158	$1,382.89	+$5.0K → NICK
3	$25,845	$5,393.83	$16,682	$1,532.59	+$9.2K → NICK
4	$34,470	$6,816.44	$19,537	$1,687.64	+$14.9K → NICK
5	$45,380	$8,496.64	$22,752	$1,847.20	+$22.6K → NICK
6	$59,010	$10,453.99	$26,355	$2,010.43	+$32.7K → NICK
7	$75,846	$12,704.70	$30,376	$2,176.45	+$45.5K → NICK
8	$96,416	$15,261.03	$34,847	$2,344.43	+$61.6K → NICK
9	$121,296	$18,130.84	$39,800	$2,513.54	+$81.5K → NICK
10	$151,104	$21,317.26	$45,269	$2,682.98	+$105.8K → NICK

NICK vs RYLD: Complete Analysis 2026

NICK — Stock

Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks. It also originates direct consumer loans and sells consumer-finance related products. As of March 31, 2022, the company operated 47 branch offices located in Alabama, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Michigan, Missouri, Nevada, North Carolina, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Nicholas Financial, Inc. was founded in 1985 and is headquartered in Clearwater, Florida.

Full NICK 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.