Is PEAR or XYLD a better dividend investment in 2026?

PEAR currently yields 6849.32% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: PEAR offers higher current income.

What is the dividend yield difference between PEAR and XYLD?

PEAR has a forward dividend yield of 6849.32% ($2.00/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 6838.12 percentage points.

Home › Compare › PEAR vs XYLD

PEAR vs XYLD: Dividend Comparison 2026

PEAR yields 6849.32% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 PEAR wins by $1339387406433213.75M in total portfolio value

INVESTMENT

TIME HORIZON10 years

PEAR

● Live price

6849.32%

Share price

$0.03

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1339387406433213.75M

Annual income

$1,301,993,616,197,644,700,000.00

Full PEAR 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 — PEAR vs XYLD

📍 PEAR pulled ahead of the other in Year 1

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	PEAR	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%.

📅

Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PEAR pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

PEAR

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

$582,191.78/yr

After 10yr DRIP, annual income (after tax)

$1,106,694,573,767,997,900,000.00/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, PEAR beats the other by $1,106,694,573,767,997,900,000.00/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PEAR: 50%XYLD: 50%

100% XYLD50/50100% PEAR

Portfolio after 10yr

$669693703216606.88M

Annual income

$650,996,808,098,822,400,000.00/yr

Blended yield

97.21%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEAR right now

PEAR

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$6.50

+22160.3% upside vs current

Range: $5.00 — $8.00

Altman Z

-8.5

Piotroski

4/9

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PEAR buys

XYLD buys

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

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

MetricPEARXYLD

Forward yield	6849.32% ✓	11.20%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$1339387406433213.75M ✓	$25.9K
Annual income after 10y	$1,301,993,616,197,644,700,000.00 ✓	$3,351.03
Total dividends collected	$1336879923883212.75M ✓	$20.2K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PEAR Portfolio	PEAR Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$695,632	$684,931.51	$10,840	$1,120.44	+$684.8K → PEAR
2	$45,273,292	$44,528,966.00	$11,786	$1,249.59	+$45.26M → PEAR
3	$2,756,897,651	$2,708,455,228.62	$12,854	$1,397.78	+$2756.88M → PEAR
4	$157,090,270,836	$154,140,390,350.12	$14,063	$1,568.33	+$157090.26M → PEAR
5	$8,376,539,704,888	$8,208,453,115,093.00	$15,434	$1,765.19	+$8376539.69M → PEAR
6	$418,028,448,270,623	$409,065,550,786,392.40	$16,995	$1,993.14	+$418028448.25M → PEAR
7	$19,526,057,962,883,308	$19,078,767,523,233,740.00	$18,777	$2,257.95	+$19526057962.86M → PEAR
8	$853,759,153,007,212,900	$832,866,270,986,927,700.00	$20,818	$2,566.58	+$853759153007.19M → PEAR
9	$34,947,467,509,877,550,000	$34,033,945,216,159,830,000.00	$23,163	$2,927.50	+$34947467509877.53M → PEAR
10	$1,339,387,406,433,213,700,000	$1,301,993,616,197,644,700,000.00	$25,865	$3,351.03	+$1339387406433213.75M → PEAR

PEAR vs XYLD: Complete Analysis 2026

PEAR — Stock

Pear Therapeutics, Inc., a commercial-stage healthcare company, develops and sells software-based medicines. Its commercial products are reSET for the treatment of substance use disorder related to alcohol, cannabis, cocaine, and stimulants; reSET-O for the treatment of opioid use disorder in combination with buprenorphine; and Somryst, a software-based treatment for chronic insomnia. The company is also developing a pipeline of 14 product candidates focusing on psychiatry, neurology, and outside of central nervous system therapeutic areas, such as gastrointestinal, oncology, and cardiovascular. Pear Therapeutics, Inc. was incorporated in 2013 and is based in Boston, Massachusetts.

Full PEAR 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 →

📬

Get this PEAR vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PEAR vs SCHD PEAR vs JEPI PEAR vs O PEAR vs KO PEAR vs MAIN PEAR vs QYLD PEAR vs JEPQ PEAR vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.