Is SCHD or UL a better dividend investment in 2026?

SCHD currently yields 3.46% with a 13.05% 5-year dividend growth rate. UL yields 3.86% with 5% growth. The better choice depends on your goal: UL offers higher current income.

What is the dividend yield difference between SCHD and UL?

SCHD has a forward dividend yield of 3.46% ($1.06/share annually). UL yields 3.86% ($2.32/share annually). The yield gap is 0.40 percentage points.

Home › Compare › SCHD vs UL

SCHD vs UL: Dividend Comparison 2026

SCHD yields 3.46% · UL yields 3.86%● Live data

vsPost on X →

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

🏆 UL wins by $12.8K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

● Live price

3.86%

Share price

$59.98

Annual div

$2.32

5Y div CAGR

20.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$41.8K

Annual income

$4,702.90

Full UL calculator →

Portfolio growth — SCHD vs UL

📍 UL pulled ahead of the other in Year 3

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	SCHD	UL
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, SCHD + UL cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SCHD pays

UL pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SCHD

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

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

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

$328.29/yr

After 10yr DRIP, annual income (after tax)

$3,997.46/yr

At 15% tax rate, UL beats the other by $3,635.41/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 SCHD + UL for your $10,000?

SCHD: 50%UL: 50%

100% UL50/50100% SCHD

Portfolio after 10yr

$35.4K

Annual income

$2,564.42/yr

Blended yield

7.24%

📊

Analyst Conviction Gap

Where Wall Street is split right now

SCHD

No analyst data

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$65.55

+9.3% upside vs current

Range: $60.10 — $71.00

Altman Z

4.6

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)

SCHD buys

UL buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

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

MetricSCHDUL

Forward yield	3.46%	3.86% ✓
Annual dividend / share	$1.06	$2.32 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	20.5% ✓
Portfolio after 10y	$29.0K	$41.8K ✓
Annual income after 10y	$425.95	$4,702.90 ✓
Total dividends collected	$3.9K	$18.4K ✓
Payment frequency	quarterly	quarterly
Sector	ETF	Stock

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

Year	SCHD Portfolio	SCHD Income/yr	UL Portfolio	UL Income/yr	Gap
1	$11,226	$346.36	$11,165	$465.40	+$61.00 → SCHD
2	$12,572	$357.38	$12,532	$585.20	+$40.00 → SCHD
3← crossover	$14,046	$367.84	$14,149	$739.71	$103.00 → UL
4	$15,660	$377.73	$16,080	$940.52	$420.00 → UL
5	$17,425	$387.07	$18,409	$1,203.74	$984.00 → UL
6	$19,354	$395.86	$21,250	$1,551.98	$1.9K → UL
7	$21,461	$404.13	$24,755	$2,017.49	$3.3K → UL
8	$23,762	$411.89	$29,135	$2,646.78	$5.4K → UL
9	$26,272	$419.15	$34,682	$3,508.06	$8.4K → UL
10	$29,010	$425.95	$41,813	$4,702.90	$12.8K → UL

SCHD vs UL: Complete Analysis 2026

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →

UL — Stock

Unilever PLC operates as a fast-moving consumer goods company. It operates through Beauty & Personal Care, Foods & Refreshment, and Home Care segments. The Beauty & Personal Care segment provides skin care and hair care products, deodorants, and skin cleansing products. The Foods & Refreshment segment offers ice cream, soups, bouillons, seasonings, mayonnaise, ketchups, and tea categories. The Home Care segment provides fabric solutions and various cleaning products. The company offers its products under the Domestos, OMO, Seventh Generation, Ben & Jerry's, Knorr, Magnum, Wall's, Bango, the Vegetarian Butcher, Axe, Cif, Comfort, Dove, Lifebuoy, Lux, Rexona, Sunsilk, Equilibra, OLLY, Liquid I.V., SmartyPants, Onnit, Hellmann's, and Vaseline brands. Unilever PLC was incorporated in 1894 and is headquartered in London, the United Kingdom.

Full UL 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.