Is PAYA or QYLD a better dividend investment in 2026?

PAYA currently yields 20.53% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: PAYA offers higher current income.

What is the dividend yield difference between PAYA and QYLD?

PAYA has a forward dividend yield of 20.53% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 8.61 percentage points.

Home › Compare › PAYA vs QYLD

PAYA vs QYLD: Dividend Comparison 2026

PAYA yields 20.53% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.0K in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

PAYA

● Live price

20.53%

Share price

$9.74

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.4K

Annual income

$2.39

Full PAYA calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — PAYA vs QYLD

📍 QYLD pulled ahead of the other in Year 10

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	PAYA	QYLD
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, PAYA + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PAYA pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

PAYA

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

$1,745.38/yr

After 10yr DRIP, annual income (after tax)

$2.03/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,808.38/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 PAYA + QYLD for your $10,000?

PAYA: 50%QYLD: 50%

100% QYLD50/50100% PAYA

Portfolio after 10yr

$24.4K

Annual income

$2,830.85/yr

Blended yield

11.60%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on PAYA right now

PAYA

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$9.21

-5.4% upside vs current

Range: $8.00 — $10.00

Altman Z

2.3

Piotroski

7/9

QYLD

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)

PAYA buys

QYLD buys

No recent congressional trades found for PAYA or QYLD in the last 90 days.

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

MetricPAYAQYLD

Forward yield	20.53% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$23.4K	$25.4K ✓
Annual income after 10y	$2.39	$5,659.31 ✓
Total dividends collected	$2.2K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: PAYA vs QYLD ($10,000, DRIP)

Year	PAYA Portfolio	PAYA Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$11,727	$1,026.69	$10,352	$1,192.36	+$1.4K → PAYA
2	$13,110	$562.60	$10,830	$1,347.57	+$2.3K → PAYA
3	$14,322	$293.91	$11,460	$1,539.07	+$2.9K → PAYA
4	$15,474	$150.04	$12,275	$1,777.84	+$3.2K → PAYA
5	$16,633	$75.75	$13,323	$2,078.95	+$3.3K → PAYA
6	$17,836	$38.05	$14,667	$2,463.34	+$3.2K → PAYA
7	$19,103	$19.07	$16,396	$2,960.57	+$2.7K → PAYA
8	$20,450	$9.54	$18,631	$3,612.97	+$1.8K → PAYA
9	$21,886	$4.77	$21,548	$4,482.15	+$338.00 → PAYA
10← crossover	$23,421	$2.39	$25,398	$5,659.31	$2.0K → QYLD

PAYA vs QYLD: Complete Analysis 2026

PAYA — Stock

Paya Holdings Inc., through its subsidiaries, operates as an independent integrated payments platform. It operates through two segments, Integrated Solutions and Payment Services. The company processes payments through credit and debit card, automated clearing house, and check payments. It serves customers through distribution partners with focus on targeted verticals, such as B2B goods and services, healthcare, faith-based and non-profit, government and utilities, and education markets. The company is headquartered in Atlanta, Georgia with additional offices in Reston, Virginia; Fort Walton Beach, Florida; Dayton, Ohio; Mt. Vernon, Ohio; Dallas, Texas; and Tempe, Arizona.

Full PAYA Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.