HomeCompareSC vs FCPT

SC vs FCPT: Dividend Comparison 2026

SC yields 7.36% · FCPT yields 6.05%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $16.5K in total portfolio value· pulled ahead in Year 2
10 years
SC
SC
● Live price
7.36%
Share price
$41.60
Annual div
$3.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.5K
Annual income
$1,172.89
Full SC calculator →
FCPT
FCPT
● Live price
6.05%
Share price
$23.65
Annual div
$1.43
5Y div CAGR
15.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.1K
Annual income
$5,775.28
Full FCPT calculator →

Portfolio growth — SC vs FCPT

📍 FCPT 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 PeriodSCFCPT
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, SC + FCPT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SC pays
FCPT pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SC
Annual income on $10K today (after 15% tax)
$625.24/yr
After 10yr DRIP, annual income (after tax)
$996.96/yr
FCPT
Annual income on $10K today (after 15% tax)
$514.49/yr
After 10yr DRIP, annual income (after tax)
$4,908.99/yr
At 15% tax rate, FCPT beats the other by $3,912.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SC + FCPT for your $10,000?

SC: 50%FCPT: 50%
100% FCPT50/50100% SC
Portfolio after 10yr
$40.8K
Annual income
$3,474.09/yr
Blended yield
8.51%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

SC
Analyst Ratings
5
Buy
19
Hold
2
Sell
Consensus: Hold
Price Target
$35.00
-15.9% upside vs current
Range: $29.00 — $39.00
FCPT
Analyst Ratings
5
Buy
10
Hold
Consensus: Hold
Price Target
$27.00
+14.2% upside vs current
Range: $25.00 — $29.00
Altman Z
1.4
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)

SC buys
0
FCPT buys
0
No recent congressional trades found for SC or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCFCPT
Forward yield7.36%6.05%
Annual dividend / share$3.06$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%15.8%
Portfolio after 10y$32.5K$49.1K
Annual income after 10y$1,172.89$5,775.28
Total dividends collected$9.6K$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusHoldHold
Analyst price target$35.00$27.00

Year-by-year: SC vs FCPT ($10,000, DRIP)

YearSC PortfolioSC Income/yrFCPT PortfolioFCPT Income/yrGap
1$11,436$735.58$11,401$700.92+$35.00SC
2← crossover$13,022$786.14$13,064$864.84$42.00FCPT
3$14,770$836.65$15,051$1,072.48$281.00FCPT
4$16,691$886.89$17,442$1,337.22$751.00FCPT
5$18,796$936.66$20,340$1,677.08$1.5KFCPT
6$21,098$985.78$23,880$2,116.57$2.8KFCPT
7$23,609$1,034.10$28,241$2,689.36$4.6KFCPT
8$26,343$1,081.47$33,660$3,442.07$7.3KFCPT
9$29,315$1,127.77$40,456$4,439.95$11.1KFCPT
10$32,540$1,172.89$49,063$5,775.28$16.5KFCPT

SC vs FCPT: Complete Analysis 2026

SCStock

Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. It offers vehicle financial products and services, including retail installment contracts and vehicle leases, as well as dealer loans for inventory, construction, real estate, working capital, and revolving lines of credit. The company also provides financial products and services related to recreational and marine vehicles; originates vehicle loans through RoadLoans.com, a web-based direct lending program; purchases vehicle retail installment contracts from other lenders; and services automobile, and recreational and marine vehicle portfolios for other lenders. In addition, it originates private-label loans and leases; and offers personal loans, as well as provides point-of-sale financing. The company was founded in 1995 and is headquartered in Dallas, Texas. Santander Consumer USA Holdings Inc. is a subsidiary of Santander Holdings USA, Inc.

Full SC Calculator →

FCPTREIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT 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.