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SCHD vs SO: Dividend Comparison 2026

SCHD yields 3.77% · SO yields 3.42% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $15.0K in total portfolio value
10 years
SCHD
Schwab U.S. Dividend Equity ETF
3.77%
Share price
$27.84
Annual div
$1.05
5Y div CAGR
13.05%
Payout ratio
38%
After 10 yrs · $10,000 · DRIP
Portfolio value
$36.7K
Annual income
$1,925.82
Full SCHD calculator →
SO
The Southern Company
3.42%
Share price
$84.20
Annual div
$2.88
5Y div CAGR
3.1%
Payout ratio
72%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.7K
Annual income
$613.85
Full SO calculator →

Portfolio growth — SCHD vs SO

Annual dividend income

MetricSCHDSO
Forward yield3.77%3.42%
Annual dividend / share$1.05$2.88
Payout ratio38%72%
1-year div growth5.18%3%
5-year div CAGR13.05%3.1%
Portfolio after 10y$36.7K$21.7K
Annual income after 10y$1,925.82$613.85
Total dividends collected$10.1K$4.7K
Payment frequencyquarterlyquarterly
SectorETFUtilities

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

YearSCHD PortfolioSCHD Income/yrSO PortfolioSO Income/yrGap
1$11,306$426.37$10,833$352.65+$473.00SCHD
2$12,802$500.91$11,728$375.81+$1.1KSCHD
3$14,518$589.33$12,692$400.29+$1.8KSCHD
4$16,490$694.43$13,727$426.14+$2.8KSCHD
5$18,761$819.56$14,839$453.42+$3.9KSCHD
6$21,381$968.84$16,034$482.21+$5.3KSCHD
7$24,409$1,147.26$17,316$512.58+$7.1KSCHD
8$27,918$1,360.94$18,692$544.59+$9.2KSCHD
9$31,993$1,617.39$20,167$578.32+$11.8KSCHD
10$36,734$1,925.82$21,749$613.85+$15.0KSCHD

SCHD vs SO: Complete Analysis 2026

SCHDETF

SCHD tracks the Dow Jones U.S. Dividend 100 Index, focusing on quality companies with consistent dividend histories. With $60B+ AUM, it's the most popular dividend ETF in the US — combining income with quality. Only companies with 10+ consecutive years of dividends qualify. The ETF rebalances annually and has delivered market-beating total returns since inception in 2011.

Full SCHD Calculator →

SOUtilities

Southern Company is a Dividend Aristocrat with 23+ consecutive years of increases. It serves 9M+ customers across Georgia, Alabama, and Mississippi through its regulated electric and gas utilities. Vogtle Unit 4 nuclear plant completion in 2024 adds decades of low-carbon baseload generation capacity.

Full SO Calculator →

Frequently Asked Questions

Is SCHD or SO better for dividend income in 2026?
SCHD currently offers a 3.77% yield (1.05/share/year) while SO offers 3.42% (2.88/share/year). SCHD provides higher current income. However, SCHD has grown its dividend faster (13.05% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in SCHD vs SO earn per year?
With $10,000 invested today: SCHD pays approximately $377/year. SO pays approximately $342/year. With DRIP reinvestment over 10 years, these grow to $1,926/year (SCHD) and $614/year (SO).
Does SCHD or SO pay monthly dividends?
SCHD pays quarterly dividends. SO pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.