Is RYLD or UDR a better dividend investment in 2026?

RYLD currently yields 12.39% with a 5% 5-year dividend growth rate. UDR yields 5.11% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between RYLD and UDR?

RYLD has a forward dividend yield of 12.39% ($1.81/share annually). UDR yields 5.11% ($1.72/share annually). The yield gap is 7.28 percentage points.

Home › Compare › RYLD vs UDR

RYLD vs UDR: Dividend Comparison 2026

RYLD yields 12.39% · UDR yields 5.11%● Live data

vsPost on X →

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

🏆 UDR wins by $4.5K in total portfolio value· pulled ahead in Year 9

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 →

UDR

● Live price

5.11%

Share price

$33.66

Annual div

$1.72

5Y div CAGR

19.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.7K

Annual income

$6,549.10

Full UDR calculator →

Portfolio growth — RYLD vs UDR

📍 UDR pulled ahead of the other in Year 9

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	UDR
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%.

📅

Dividend Calendar Overlap

Combined, RYLD + UDR cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RYLD pays

UDR 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

UDR

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

$434.34/yr

After 10yr DRIP, annual income (after tax)

$5,566.74/yr

At 15% tax rate, UDR beats the other by $3,286.20/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RYLD: 50%UDR: 50%

100% UDR50/50100% RYLD

Portfolio after 10yr

$47.5K

Annual income

$4,616.04/yr

Blended yield

9.72%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on UDR right now

RYLD

No analyst data

UDR

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$41.10

+22.1% upside vs current

Range: $38.00 — $44.00

Altman Z

0.7

Piotroski

8/9

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

UDR buys

Politician	Chamber	Ticker	Type	Amount	Date
Ro Khanna	🏢 House	$UDR	▼ Sell	$15,001 - $50,000	2025-10-07
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2025-09-29
Julie Johnson	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2025-09-25
Ro Khanna	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2025-08-26
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2025-07-25
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2023-11-03
Ro Khanna	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2023-10-31
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2023-10-10
Ro Khanna	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2023-09-06
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2023-08-03

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

MetricRYLDUDR

Forward yield	12.39% ✓	5.11%
Annual dividend / share	$1.81 ✓	$1.72
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	19.3% ✓
Portfolio after 10y	$45.3K	$49.7K ✓
Annual income after 10y	$2,682.98	$6,549.10 ✓
Total dividends collected	$19.4K	$25.0K ✓
Payment frequency	quarterly	quarterly
Sector	ETF	REIT

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

Year	RYLD Portfolio	RYLD Income/yr	UDR Portfolio	UDR Income/yr	Gap
1	$11,939	$1,239.34	$11,310	$609.61	+$629.00 → RYLD
2	$14,158	$1,382.89	$12,870	$768.70	+$1.3K → RYLD
3	$16,682	$1,532.59	$14,746	$975.32	+$1.9K → RYLD
4	$19,537	$1,687.64	$17,024	$1,245.96	+$2.5K → RYLD
5	$22,752	$1,847.20	$19,820	$1,603.81	+$2.9K → RYLD
6	$26,355	$2,010.43	$23,289	$2,081.81	+$3.1K → RYLD
7	$30,376	$2,176.45	$27,647	$2,727.39	+$2.7K → RYLD
8	$34,847	$2,344.43	$33,192	$3,609.90	+$1.7K → RYLD
9← crossover	$39,800	$2,513.54	$40,348	$4,832.15	$548.00 → UDR
10	$45,269	$2,682.98	$49,721	$6,549.10	$4.5K → UDR

RYLD vs UDR: 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 →

UDR — REIT

UDR, Inc. (NYSE: UDR), an S&P 500 company, is a leading multifamily real estate investment trust with a demonstrated performance history of delivering superior and dependable returns by successfully managing, buying, selling, developing and redeveloping attractive real estate communities in targeted U.S. markets. As of September 30, 2020, UDR owned or had an ownership position in 51,649 apartment homes including 1,031 homes under development. For over 48 years, UDR has delivered long-term value to shareholders, the best standard of service to Residents and the highest quality experience for Associates.

Full UDR Calculator →

📬

Get this RYLD vs UDR comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

RYLD vs SCHD RYLD vs JEPI RYLD vs O RYLD vs KO RYLD vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.