HomeCompareRCC vs SPHD

RCC vs SPHD: Dividend Comparison 2026

RCC yields 5.74% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $5.1K in total portfolio value
10 years
RCC
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 →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — RCC vs SPHD

📍 SPHD 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 PeriodRCCSPHD
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 + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RCC pays
SPHD pays
Both pay
Neither
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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
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, SPHD beats the other by $478.35/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RCC: 50%SPHD: 50%
100% SPHD50/50100% RCC
Portfolio after 10yr
$24.0K
Annual income
$289.94/yr
Blended yield
1.21%
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RCC buys
0
SPHD buys
0
No recent congressional trades found for RCC or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRCCSPHD
Forward yield5.74%4.33%
Annual dividend / share$1.44$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-34.9%0%
Portfolio after 10y$21.5K$26.5K
Annual income after 10y$8.56$571.32
Total dividends collected$1.1K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearRCC PortfolioRCC Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,074$373.74$11,133$432.85$59.00SPHD
2$12,101$251.80$12,363$450.36$262.00SPHD
3$13,115$167.41$13,695$467.39$580.00SPHD
4$14,144$110.39$15,138$483.90$994.00SPHD
5$15,206$72.43$16,697$499.88$1.5KSPHD
6$16,318$47.38$18,382$515.31$2.1KSPHD
7$17,491$30.93$20,198$530.17$2.7KSPHD
8$18,736$20.17$22,157$544.46$3.4KSPHD
9$20,060$13.15$24,266$558.18$4.2KSPHD
10$21,473$8.56$26,536$571.32$5.1KSPHD

RCC vs SPHD: Complete Analysis 2026

RCCStock

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 →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

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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.