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PFMT vs GBDC: Dividend Comparison 2026

PFMT yields 56.18% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.31M in total portfolio value· pulled ahead in Year 6
10 years
PFMT
PFMT
● Live price
56.18%
Share price
$3.56
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$539.3K
Annual income
$119,796.88
Full PFMT calculator →
GBDC
GBDC
● Live price
11.86%
Share price
$12.65
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.85M
Annual income
$16,450,733.83
Full GBDC calculator →

Portfolio growth — PFMT vs GBDC

📍 GBDC pulled ahead of the other in Year 6

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 PeriodPFMTGBDC
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, PFMT + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PFMT pays
GBDC pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

PFMT
Annual income on $10K today (after 15% tax)
$4,775.28/yr
After 10yr DRIP, annual income (after tax)
$101,827.35/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.91/yr
After 10yr DRIP, annual income (after tax)
$13,983,123.76/yr
At 15% tax rate, GBDC beats the other by $13,881,296.41/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PFMT + GBDC for your $10,000?

PFMT: 50%GBDC: 50%
100% GBDC50/50100% PFMT
Portfolio after 10yr
$10.69M
Annual income
$8,285,265.36/yr
Blended yield
77.47%
📊

Analyst Conviction Gap

Where Wall Street is split right now

PFMT
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$8.00
+124.7% upside vs current
Range: $8.00 — $8.00
Altman Z
6.5
Piotroski
4/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.7% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
Piotroski
6/9
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)

PFMT buys
0
GBDC buys
0
No recent congressional trades found for PFMT or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPFMTGBDC
Forward yield56.18%11.86%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$539.3K$20.85M
Annual income after 10y$119,796.88$16,450,733.83
Total dividends collected$441.4K$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy
Analyst price target$8.00$14.00

Year-by-year: PFMT vs GBDC ($10,000, DRIP)

YearPFMT PortfolioPFMT Income/yrGBDC PortfolioGBDC Income/yrGap
1$16,318$5,617.98$12,492$1,791.70+$3.8KPFMT
2$26,028$8,567.67$16,527$3,160.58+$9.5KPFMT
3$40,622$12,771.79$23,588$5,904.90+$17.0KPFMT
4$62,094$18,628.85$37,141$11,901.65+$25.0KPFMT
5$93,054$26,613.05$66,205$26,463.38+$26.8KPFMT
6← crossover$136,840$37,273.01$137,452$66,612.65$612.00GBDC
7$197,645$51,226.14$342,372$195,298.53$144.7KGBDC
8$280,629$69,148.09$1,053,292$686,954.33$772.7KGBDC
9$392,030$91,757.54$4,111,439$2,984,416.95$3.72MGBDC
10$539,269$119,796.88$20,849,974$16,450,733.83$20.31MGBDC

PFMT vs GBDC: Complete Analysis 2026

PFMTStock

Performant Financial Corporation provides technology-enabled audit, recovery, outsource customer, and related analytics services in the United States. The company offers recovery services to the clients in Federal guaranteed student loan program and private institutions; identifies and tracks defaulted borrowers across its clients' portfolios of student loans; rehabilitates and recovers past due student loans; provides tax recovery services to federal, state and municipal agencies; recovers government debt for various federal agencies; and offers audit and recovery services to identify improper healthcare payments for public and private healthcare clients. It also identifies improper payments resulting from incorrect coding, procedures that were not medically necessary, incomplete documentation, and claims submitted based on outdated fee schedules; and provides first party call center and other outsourced services. In addition, the company offers Performant Insight that provides various services, such as post- and pre-payment audit of healthcare claims, detection of fraud, waste and abuse of healthcare claims, coordination of benefits, and pharmacy fraud detection services. The company was formerly known as DCS Holdings, Inc. and changed its name to Performant Financial Corporation in 2005. Performant Financial Corporation was founded in 1976 and is headquartered in Livermore, California.

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GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.