Is PANDY or XYLD a better dividend investment in 2026?

PANDY currently yields 2.98% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between PANDY and XYLD?

PANDY has a forward dividend yield of 2.98% ($0.65/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 8.22 percentage points.

Home › Compare › PANDY vs XYLD

PANDY vs XYLD: Dividend Comparison 2026

PANDY yields 2.98% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 XYLD wins by $1.9K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

PANDY

● Live price

2.98%

Share price

$21.82

Annual div

$0.65

5Y div CAGR

-1.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.9K

Annual income

$320.16

Full PANDY calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — PANDY vs XYLD

📍 XYLD pulled ahead of the other in Year 7

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	PANDY	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, PANDY + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PANDY pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

PANDY

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

$253.21/yr

After 10yr DRIP, annual income (after tax)

$272.14/yr

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, XYLD beats the other by $2,576.24/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 PANDY + XYLD for your $10,000?

PANDY: 50%XYLD: 50%

100% XYLD50/50100% PANDY

Portfolio after 10yr

$24.9K

Annual income

$1,835.59/yr

Blended yield

7.37%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on PANDY right now

PANDY

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Altman Z

2.7

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)

PANDY buys

XYLD buys

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

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

MetricPANDYXYLD

Forward yield	2.98%	11.20% ✓
Annual dividend / share	$0.65	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-1.1%	0% ✓
Portfolio after 10y	$23.9K	$25.9K ✓
Annual income after 10y	$320.16	$3,351.03 ✓
Total dividends collected	$3.1K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PANDY Portfolio	PANDY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,995	$294.62	$10,840	$1,120.44	+$155.00 → PANDY
2	$12,064	$299.40	$11,786	$1,249.59	+$278.00 → PANDY
3	$13,212	$303.64	$12,854	$1,397.78	+$358.00 → PANDY
4	$14,444	$307.36	$14,063	$1,568.33	+$381.00 → PANDY
5	$15,766	$310.59	$15,434	$1,765.19	+$332.00 → PANDY
6	$17,183	$313.35	$16,995	$1,993.14	+$188.00 → PANDY
7← crossover	$18,701	$315.66	$18,777	$2,257.95	$76.00 → XYLD
8	$20,328	$317.55	$20,818	$2,566.58	$490.00 → XYLD
9	$22,070	$319.04	$23,163	$2,927.50	$1.1K → XYLD
10	$23,935	$320.16	$25,865	$3,351.03	$1.9K → XYLD

PANDY vs XYLD: Complete Analysis 2026

PANDY — Stock

Pandora A/S designs, manufactures, and markets hand-finished and contemporary jewelry worldwide. The company's jewelry material includes silver and gold; gold and rose gold plated; man-made stones, natural stones, synthetic stones, pearls, and diamonds; as well as enamel, glass, leather, and textile products. Its products primarily include charms, bracelets, rings, earrings, necklaces, and pendants. The company operates through a network of 2,619 concept stores, which include 1,423 company owned stores, 700 franchise owned stores, and 496 third party distribution; and 4,154 other points of sale, as well as eSTOREs. Pandora A/S was founded in 1982 and is headquartered in Copenhagen, Denmark.

Full PANDY 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.