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PT vs GBDC: Dividend Comparison 2026

PT yields 208.22% · GBDC yields 11.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PT wins by $130.17M in total portfolio value
10 years
PT
PT
● Live price
208.22%
Share price
$0.96
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$151.02M
Annual income
$77,656,665.93
Full PT 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 — PT vs GBDC

📍 PT 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 PeriodPTGBDC
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, PT + GBDC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

PT
Annual income on $10K today (after 15% tax)
$17,699.12/yr
After 10yr DRIP, annual income (after tax)
$66,008,166.04/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, PT beats the other by $52,025,042.29/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PT: 50%GBDC: 50%
100% GBDC50/50100% PT
Portfolio after 10yr
$85.94M
Annual income
$47,053,699.89/yr
Blended yield
54.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

PT
Analyst Ratings
2
Buy
5
Hold
2
Sell
Consensus: Hold
Altman Z
-41.6
Piotroski
2/9
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)

PT buys
0
GBDC buys
0
No recent congressional trades found for PT or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPTGBDC
Forward yield208.22% ✓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$151.02M ✓$20.85M
Annual income after 10y$77,656,665.93 ✓$16,450,733.83
Total dividends collected$142.63M ✓$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

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

YearPT PortfolioPT Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$31,522$20,822.49$12,492$1,791.70+$19.0K → PT
2$95,073$61,343.61$16,527$3,160.58+$78.5K → PT
3$274,638$172,910.27$23,588$5,904.90+$251.1K → PT
4$760,675$466,811.95$37,141$11,901.65+$723.5K → PT
5$2,022,282$1,208,360.31$66,205$26,463.38+$1.96M → PT
6$5,166,152$3,002,309.72$137,452$66,612.65+$5.03M → PT
7$12,695,768$7,167,985.38$342,372$195,298.53+$12.35M → PT
8$30,047,326$16,462,854.81$1,053,292$686,954.33+$28.99M → PT
9$68,564,626$36,413,987.32$4,111,439$2,984,416.95+$64.45M → PT
10$151,020,816$77,656,665.93$20,849,974$16,450,733.83+$130.17M → PT

PT vs GBDC: Complete Analysis 2026

PT — Stock

Pintec Technology Holdings Limited, together with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China. The company connects business partners and financial partners on its platform and enables them to provide financial services to end users. Its technology platform's financial services include assistance for borrowers to obtain loans from third party investors and various financial partners; a lending solution for borrowers who want to finance online purchases or who have personal or business installment loan requests; and a wealth management and insurance product distribution solution for asset management and insurance companies to facilitate the sales of products. Pintec Technology Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.

Full PT Calculator →

GBDC — BDC

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.