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RYB vs GBDC: Dividend Comparison 2026

RYB yields 270.60% · GBDC yields 11.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 RYB wins by $744.68M in total portfolio value
10 years
RYB
RYB
● Live price
270.60%
Share price
$0.74
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$765.46M
Annual income
$443,239,509.84
Full RYB calculator →
GBDC
GBDC
● Live price
11.85%
Share price
$12.66
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.78M
Annual income
$16,389,263.41
Full GBDC calculator →

Portfolio growth — RYB vs GBDC

📍 RYB 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 PeriodRYBGBDC
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, RYB + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
RYB pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

RYB
Annual income on $10K today (after 15% tax)
$23,000.95/yr
After 10yr DRIP, annual income (after tax)
$376,753,583.36/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.11/yr
After 10yr DRIP, annual income (after tax)
$13,930,873.90/yr
At 15% tax rate, RYB beats the other by $362,822,709.47/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

RYB: 50%GBDC: 50%
100% GBDC50/50100% RYB
Portfolio after 10yr
$393.12M
Annual income
$229,814,386.62/yr
Blended yield
58.46%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

RYB
No analyst data
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.6% 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)

RYB buys
0
GBDC buys
0
No recent congressional trades found for RYB or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRYBGBDC
Forward yield270.60%11.85%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$765.46M$20.78M
Annual income after 10y$443,239,509.84$16,389,263.41
Total dividends collected$732.01M$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearRYB PortfolioRYB Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$37,760$27,059.94$12,490$1,790.28+$25.3KRYB
2$135,897$95,493.60$16,522$3,157.73+$119.4KRYB
3$466,604$321,194.63$23,578$5,898.68+$443.0KRYB
4$1,529,947$1,030,680.46$37,115$11,886.75+$1.49MRYB
5$4,795,450$3,158,406.58$66,136$26,423.57+$4.73MRYB
6$14,383,166$9,252,034.63$137,257$66,491.44+$14.25MRYB
7$41,324,531$25,934,543.97$341,734$194,868.54+$40.98MRYB
8$113,855,569$69,638,320.37$1,050,788$685,133.02+$112.80MRYB
9$301,138,076$179,312,617.43$4,099,314$2,974,971.01+$297.04MRYB
10$765,457,251$443,239,509.84$20,775,530$16,389,263.41+$744.68MRYB

RYB vs GBDC: Complete Analysis 2026

RYBStock

RYB Education, Inc. provides early childhood education service in the People's Republic of China. The company offers play-and-learn centers services for the joint participation of 0-6-year-old children and their adult family members to promote children's development, foster bonding with family, and prepare them for their entry into kindergartens and primary schools; operates student care centers; and course content, training, support and guidance, and other services to franchisees and licensees. It also develops and sells educational products and services; distributes merchandise, such as teaching aids, educational toys, at-home educational products, and school uniforms through franchisees and other business partners, as well as directly to a market of families. In addition, the company operates Qingtian Youpin, an e-commerce platform for maternity and children's products. As of December 31, 2021, it operated 1,017 play-and-learn centers and 54 student care centers. The company was formerly known as Top Margin Limited and changed its name to RYB Education, Inc. in June 2017. RYB Education, Inc. was founded in 1998 and is based in Beijing, China.

Full RYB Calculator →

GBDCBDC

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.