Is RYLD or COF a better dividend investment in 2026?

RYLD currently yields 12.39% with a 5% 5-year dividend growth rate. COF yields 1.57% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between RYLD and COF?

RYLD has a forward dividend yield of 12.39% ($1.81/share annually). COF yields 1.57% ($2.80/share annually). The yield gap is 10.82 percentage points.

Home › Compare › RYLD vs COF

RYLD vs COF: Dividend Comparison 2026

RYLD yields 12.39% · COF yields 1.57%● Live data

vsPost on X →

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

🏆 COF wins by $23.64M in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

COF

● Live price

1.57%

Share price

$178.13

Annual div

$2.80

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.69M

Annual income

$21,107,984.45

Full COF calculator →

Portfolio growth — RYLD vs COF

📍 COF pulled ahead of the other in Year 5

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 Period	RYLD	COF
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, RYLD + COF cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RYLD pays

COF pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

COF

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

$133.61/yr

After 10yr DRIP, annual income (after tax)

$17,941,786.78/yr

At 15% tax rate, COF beats the other by $17,939,506.25/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of RYLD + COF for your $10,000?

RYLD: 50%COF: 50%

100% COF50/50100% RYLD

Portfolio after 10yr

$11.87M

Annual income

$10,555,333.71/yr

Blended yield

88.95%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

RYLD

No analyst data

COF

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$275.50

+54.7% upside vs current

Range: $218.00 — $300.00

Altman Z

-0.4

Piotroski

7/9

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)

RYLD buys

COF buys

No recent congressional trades found for RYLD or COF in the last 90 days.

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

MetricRYLDCOF

Forward yield	12.39% ✓	1.57%
Annual dividend / share	$1.81	$2.80 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	100% ✓
Portfolio after 10y	$45.3K ✓	$23.69M
Annual income after 10y	$2,682.98	$21,107,984.45 ✓
Total dividends collected	$19.4K	$23.46M ✓
Payment frequency	quarterly	quarterly
Sector	ETF	Financials

Year-by-year: RYLD vs COF ($10,000, DRIP)

Year	RYLD Portfolio	RYLD Income/yr	COF Portfolio	COF Income/yr	Gap
1	$11,939	$1,239.34	$11,014	$314.38	+$925.00 → RYLD
2	$14,158	$1,382.89	$12,433	$647.23	+$1.7K → RYLD
3	$16,682	$1,532.59	$14,668	$1,365.54	+$2.0K → RYLD
4	$19,537	$1,687.64	$18,707	$3,011.43	+$830.00 → RYLD
5← crossover	$22,752	$1,847.20	$27,195	$7,178.47	$4.4K → COF
6	$26,355	$2,010.43	$48,604	$19,505.85	$22.2K → COF
7	$30,376	$2,176.45	$117,169	$65,162.98	$86.8K → COF
8	$34,847	$2,344.43	$418,993	$293,621.92	$384.1K → COF
9	$39,800	$2,513.54	$2,410,904	$1,962,580.97	$2.37M → COF
10	$45,269	$2,682.98	$23,687,651	$21,107,984.45	$23.64M → COF

RYLD vs COF: Complete Analysis 2026

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

COF — Financials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Full COF 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.