Is RUTH or SCHD a better dividend investment in 2026?

RUTH currently yields 2.98% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between RUTH and SCHD?

RUTH has a forward dividend yield of 2.98% ($0.64/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 0.46 percentage points.

Home › Compare › RUTH vs SCHD

RUTH vs SCHD: Dividend Comparison 2026

RUTH yields 2.98% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 RUTH wins by $130.2K in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

RUTH

● Live price

2.98%

Share price

$21.49

Annual div

$0.64

5Y div CAGR

46.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$159.2K

Annual income

$65,737.49

Full RUTH calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — RUTH vs SCHD

📍 RUTH pulled ahead of the other in Year 2

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	RUTH	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, RUTH + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RUTH pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RUTH

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

$253.14/yr

After 10yr DRIP, annual income (after tax)

$55,876.87/yr

SCHD

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

$292.49/yr

After 10yr DRIP, annual income (after tax)

$359.22/yr

At 15% tax rate, RUTH beats the other by $55,517.65/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RUTH: 50%SCHD: 50%

100% SCHD50/50100% RUTH

Portfolio after 10yr

$94.1K

Annual income

$33,080.04/yr

Blended yield

35.17%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on RUTH right now

RUTH

Analyst Ratings

Buy

Hold

Consensus: Hold

Altman Z

2.7

Piotroski

7/9

SCHD

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

RUTH buys

SCHD buys

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

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

MetricRUTHSCHD

Forward yield	2.98%	3.44% ✓
Annual dividend / share	$0.64	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	46.8% ✓	0%
Portfolio after 10y	$159.2K ✓	$29.0K
Annual income after 10y	$65,737.49 ✓	$422.61
Total dividends collected	$128.8K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	RUTH Portfolio	RUTH Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1	$11,137	$437.19	$11,224	$344.10	$87.00 → SCHD
2← crossover	$12,585	$668.02	$12,567	$354.98	+$18.00 → RUTH
3	$14,501	$1,035.62	$14,038	$365.30	+$463.00 → RUTH
4	$17,154	$1,637.21	$15,648	$375.06	+$1.5K → RUTH
5	$21,011	$2,657.03	$17,410	$384.27	+$3.6K → RUTH
6	$26,947	$4,465.16	$19,335	$392.95	+$7.6K → RUTH
7	$36,690	$7,856.71	$21,437	$401.10	+$15.3K → RUTH
8	$53,935	$14,676.37	$23,733	$408.75	+$30.2K → RUTH
9	$87,310	$29,599.19	$26,237	$415.91	+$61.1K → RUTH
10	$159,159	$65,737.49	$28,968	$422.61	+$130.2K → RUTH

RUTH vs SCHD: Complete Analysis 2026

RUTH — Stock

Ruth's Hospitality Group, Inc., together with its subsidiaries, develops, operates, and franchises fine dining restaurants under the Ruth's Chris Steak House name. The company's restaurants offer food and beverage products to special occasion diners and frequent customers, as well as business clients. As of February 24, 2022, it had approximately 150 company-owned and franchisee-owned restaurants worldwide. The company was formerly known as Ruth's Chris Steak House, Inc. and changed its name to Ruth's Hospitality Group, Inc. in May 2008. Ruth's Hospitality Group, Inc. was founded in 1965 and is headquartered in Winter Park, Florida.

Full RUTH 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.