Is RCC or SCHD a better dividend investment in 2026?

RCC currently yields 5.74% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: RCC offers higher current income.

What is the dividend yield difference between RCC and SCHD?

RCC has a forward dividend yield of 5.74% ($1.44/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 2.28 percentage points.

Home › Compare › RCC vs SCHD

RCC vs SCHD: Dividend Comparison 2026

RCC yields 5.74% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 SCHD wins by $7.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RCC

● Live price

5.74%

Share price

$25.04

Annual div

$1.44

5Y div CAGR

-34.9%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.5K

Annual income

$8.56

Full RCC calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — RCC vs SCHD

📍 SCHD 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	RCC	SCHD
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, RCC + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RCC pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RCC

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

$487.98/yr

After 10yr DRIP, annual income (after tax)

$7.28/yr

SCHD

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

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, SCHD beats the other by $354.78/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RCC + SCHD for your $10,000?

RCC: 50%SCHD: 50%

100% SCHD50/50100% RCC

Portfolio after 10yr

$25.2K

Annual income

$217.25/yr

Blended yield

0.86%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RCC buys

SCHD buys

No recent congressional trades found for RCC or SCHD in the last 90 days.

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

MetricRCCSCHD

Forward yield	5.74% ✓	3.46%
Annual dividend / share	$1.44 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-34.9%	0% ✓
Portfolio after 10y	$21.5K	$29.0K ✓
Annual income after 10y	$8.56	$425.95 ✓
Total dividends collected	$1.1K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: RCC vs SCHD ($10,000, DRIP)

Year	RCC Portfolio	RCC Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,074	$373.74	$11,226	$346.36	$152.00 → SCHD
2	$12,101	$251.80	$12,572	$357.38	$471.00 → SCHD
3	$13,115	$167.41	$14,046	$367.84	$931.00 → SCHD
4	$14,144	$110.39	$15,660	$377.73	$1.5K → SCHD
5	$15,206	$72.43	$17,425	$387.07	$2.2K → SCHD
6	$16,318	$47.38	$19,354	$395.86	$3.0K → SCHD
7	$17,491	$30.93	$21,461	$404.13	$4.0K → SCHD
8	$18,736	$20.17	$23,762	$411.89	$5.0K → SCHD
9	$20,060	$13.15	$26,272	$419.15	$6.2K → SCHD
10	$21,473	$8.56	$29,010	$425.95	$7.5K → SCHD

RCC vs SCHD: Complete Analysis 2026

RCC — Stock

Ready Capital Corp. is a real estate finance company, which engages in acquiring, managing, and financing small balance commercial loans. It operates through the following segments: SBC Lending and Acquisitions, Small Business Lending, and Residential Mortgage Banking. The SBC Lending and Acquisitions segment is involved in the SBC loans across the full life-cycle of an SBC property including construction, bridge, stabilized, and agency loan origination channels through wholly-owned subsidiary, ReadyCap Commercial, LLC. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program through wholly-owned subsidiary, ReadyCap Lending, LLC. The Residential Mortgage Banking segment focuses on the residential mortgage loan origination segment through wholly-owned subsidiary, GMFS, LLC. The company was founded in November 2011 and is headquartered in New York, NY.

Full RCC Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.