Is NYMTL or XYLD a better dividend investment in 2026?

NYMTL currently yields 7.88% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between NYMTL and XYLD?

NYMTL has a forward dividend yield of 7.88% ($1.72/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 3.10 percentage points.

Home › Compare › NYMTL vs XYLD

NYMTL vs XYLD: Dividend Comparison 2026

NYMTL yields 7.88% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.0K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

NYMTL

● Live price

7.88%

Share price

$21.82

Annual div

$1.72

5Y div CAGR

-45.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.3K

Annual income

$1.90

Full NYMTL calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — NYMTL vs XYLD

📍 XYLD 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	NYMTL	XYLD
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, NYMTL + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

NYMTL pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

NYMTL

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

$669.54/yr

After 10yr DRIP, annual income (after tax)

$1.62/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,734.55/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 NYMTL + XYLD for your $10,000?

NYMTL: 50%XYLD: 50%

100% XYLD50/50100% NYMTL

Portfolio after 10yr

$23.3K

Annual income

$1,610.46/yr

Blended yield

6.91%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on NYMTL right now

NYMTL

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

0.7

Piotroski

5/9

XYLD

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)

NYMTL buys

XYLD buys

No recent congressional trades found for NYMTL or XYLD in the last 90 days.

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

MetricNYMTLXYLD

Forward yield	7.88%	10.98% ✓
Annual dividend / share	$1.72	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-45.7%	0% ✓
Portfolio after 10y	$21.3K	$25.3K ✓
Annual income after 10y	$1.90	$3,219.02 ✓
Total dividends collected	$962.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	NYMTL Portfolio	NYMTL Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,128	$427.72	$10,818	$1,098.39	+$310.00 → NYMTL
2	$12,148	$241.54	$11,738	$1,222.51	+$410.00 → NYMTL
3	$13,132	$133.81	$12,774	$1,364.64	+$358.00 → NYMTL
4	$14,125	$73.41	$13,944	$1,527.86	+$181.00 → NYMTL
5← crossover	$15,154	$40.07	$15,270	$1,715.87	$116.00 → XYLD
6	$16,236	$21.82	$16,775	$1,933.09	$539.00 → XYLD
7	$17,385	$11.86	$18,490	$2,184.87	$1.1K → XYLD
8	$18,608	$6.45	$20,450	$2,477.63	$1.8K → XYLD
9	$19,914	$3.50	$22,697	$2,819.19	$2.8K → XYLD
10	$21,310	$1.90	$25,280	$3,219.02	$4.0K → XYLD

NYMTL vs XYLD: Complete Analysis 2026

NYMTL — Stock

New York Mortgage Trust, Inc. acquires, invests in, finances, and manages mortgage-related single-family and multi-family residential assets in the United States. Its targeted investments include residential loans, second mortgages, and business purpose loans; structured multi-family property investments, such as preferred equity in, and mezzanine loans to owners of multi-family properties, as well as joint venture equity investments in multi-family properties; non-agency residential mortgage-backed securities (RMBS); agency RMBS; commercial mortgage-backed securities (CMBS); and other mortgage, residential housing, and credit-related assets. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was incorporated in 2003 and is headquartered in New York, New York.

Full NYMTL Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

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.