Is PHLT or XYLD a better dividend investment in 2026?

PHLT currently yields 25.81% with a 5% 5-year dividend growth rate. XYLD yields 9.02% with 0.5% growth. The better choice depends on your goal: PHLT offers higher current income.

What is the dividend yield difference between PHLT and XYLD?

PHLT has a forward dividend yield of 25.81% ($2.00/share annually). XYLD yields 9.02% ($3.48/share annually). The yield gap is 16.79 percentage points.

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PHLT vs XYLD: Dividend Comparison 2026

PHLT yields 25.81% · XYLD yields 9.02%● Live data

vsPost on X →

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

🏆 PHLT wins by $82.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PHLT

● Live price

25.81%

Share price

$7.75

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$103.6K

Annual income

$12,014.82

Full PHLT calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

9.02%

Share price

$38.60

Annual div

$3.48

5Y div CAGR

0.5%

Payout ratio

90%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.1K

Annual income

$2,363.75

Full XYLD calculator →

Portfolio growth — PHLT vs XYLD

📍 PHLT pulled ahead of the other in Year 1

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	PHLT	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, PHLT + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PHLT 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.

PHLT

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

$2,193.55/yr

After 10yr DRIP, annual income (after tax)

$10,212.60/yr

XYLD

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

$766.32/yr

After 10yr DRIP, annual income (after tax)

$2,009.19/yr

At 15% tax rate, PHLT beats the other by $8,203.41/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 PHLT + XYLD for your $10,000?

PHLT: 50%XYLD: 50%

100% XYLD50/50100% PHLT

Portfolio after 10yr

$62.4K

Annual income

$7,189.29/yr

Blended yield

11.53%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on PHLT right now

PHLT

Analyst Ratings

Buy

Hold

Consensus: Buy

Price Target

$7.75

0.0% upside vs current

Range: $7.75 — $7.75

Altman Z

13.4

Piotroski

3/9

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)

PHLT buys

XYLD buys

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

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

MetricPHLTXYLD

Forward yield	25.81% ✓	9.02%
Annual dividend / share	$2.00	$3.48 ✓
Payout ratio	50% ✓	90%
1-year div growth	0% ✓	-2.1%
5-year div CAGR	0%	0.5% ✓
Portfolio after 10y	$103.6K ✓	$21.1K
Annual income after 10y	$12,014.82 ✓	$2,363.75
Total dividends collected	$66.5K ✓	$15.0K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PHLT Portfolio	PHLT Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$13,281	$2,580.65	$10,626	$906.06	+$2.7K → PHLT
2	$17,413	$3,203.05	$11,324	$995.47	+$6.1K → PHLT
3	$22,557	$3,925.03	$12,104	$1,096.88	+$10.5K → PHLT
4	$28,888	$4,751.87	$12,977	$1,212.21	+$15.9K → PHLT
5	$36,598	$5,687.39	$13,958	$1,343.80	+$22.6K → PHLT
6	$45,893	$6,733.85	$15,061	$1,494.40	+$30.8K → PHLT
7	$56,998	$7,891.80	$16,307	$1,667.30	+$40.7K → PHLT
8	$70,148	$9,160.09	$17,717	$1,866.48	+$52.4K → PHLT
9	$85,594	$10,535.90	$19,317	$2,096.71	+$66.3K → PHLT
10	$103,600	$12,014.82	$21,140	$2,363.75	+$82.5K → PHLT

PHLT vs XYLD: Complete Analysis 2026

PHLT — Stock

Performant Healthcare, Inc. provides technology-enabled payment integrity, eligibility, and related analytics services. It supports healthcare payers in identifying, preventing, and recovering waste and improper payments through advanced technology, analytics, and proprietary data assets. The company offers coordination-of-benefits services, as well as claims-based services, which includes the audit and identification of improperly paid claims. It also provides advanced reporting capabilities, support services, customer care, and stakeholder training programs to mitigate future instances of improper payments. The company was formerly known as Performant Financial Corporation and changed its name to Performant Healthcare, Inc. in December 2024. Performant Healthcare, Inc. was founded in 1976 and is headquartered in Plantation, Florida.

Full PHLT Calculator →

XYLD — ETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

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.