HomeCompareSFT vs GBDC

SFT vs GBDC: Dividend Comparison 2026

SFT yields 1174.40% · GBDC yields 11.86%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SFT wins by $77588859.19M in total portfolio value
10 years
SFT
SFT
● Live price
1174.40%
Share price
$0.17
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77588880.04M
Annual income
$66,457,117,586,405.53
Full SFT calculator →
GBDC
GBDC
● Live price
11.86%
Share price
$12.65
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.85M
Annual income
$16,450,733.83
Full GBDC calculator →

Portfolio growth — SFT vs GBDC

📍 SFT pulled ahead of the other in Year 1

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 PeriodSFTGBDC
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, SFT + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SFT
Annual income on $10K today (after 15% tax)
$99,823.84/yr
After 10yr DRIP, annual income (after tax)
$56,488,549,948,444.70/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.91/yr
After 10yr DRIP, annual income (after tax)
$13,983,123.76/yr
At 15% tax rate, SFT beats the other by $56,488,535,965,320.95/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SFT + GBDC for your $10,000?

SFT: 50%GBDC: 50%
100% GBDC50/50100% SFT
Portfolio after 10yr
$38794450.44M
Annual income
$33,228,567,018,569.69/yr
Blended yield
85.65%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

SFT
Analyst Ratings
9
Hold
1
Sell
Consensus: Hold
Altman Z
-10.3
Piotroski
3/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.7% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
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)

SFT buys
0
GBDC buys
0
No recent congressional trades found for SFT or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSFTGBDC
Forward yield1174.40%11.86%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$77588880.04M$20.85M
Annual income after 10y$66,457,117,586,405.53$16,450,733.83
Total dividends collected$76756141.26M$20.43M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

Year-by-year: SFT vs GBDC ($10,000, DRIP)

YearSFT PortfolioSFT Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$128,140$117,439.81$12,492$1,791.70+$115.6KSFT
2$1,543,532$1,406,422.01$16,527$3,160.58+$1.53MSFT
3$17,484,583$15,833,003.89$23,588$5,904.90+$17.46MSFT
4$186,325,976$167,617,472.01$37,141$11,901.65+$186.29MSFT
5$1,868,742,776$1,669,373,982.36$66,205$26,463.38+$1868.68MSFT
6$17,647,091,734$15,647,536,963.09$137,452$66,612.65+$17646.95MSFT
7$156,979,890,793$138,097,502,638.19$342,372$195,298.53+$156979.55MSFT
8$1,316,050,532,150$1,148,082,049,001.50$1,053,292$686,954.33+$1316049.48MSFT
9$10,403,516,309,906$8,995,342,240,505.43$4,111,439$2,984,416.95+$10403512.20MSFT
10$77,588,880,038,005$66,457,117,586,405.53$20,849,974$16,450,733.83+$77588859.19MSFT

SFT vs GBDC: Complete Analysis 2026

SFTStock

Shift Technologies, Inc., together with its subsidiaries, provides an ecommerce platform for buying and selling used cars. The company operates in two segments, Retail and Wholesale. It engages in the retail sale of used vehicles through its platform that enables mobile digital transaction, such as at-home car searching, scheduling an on-demand test drive, and purchasing at home or at the preferred site of a test drive, as well as provides financing and services. The company also provides value-added products, such as vehicle service contracts, guaranteed asset protection waiver coverage, wheel and tire coverage, prepaid maintenance plans, and appearance protection plans. In addition, it is involved in the sale of used vehicles through wholesale auctions or directly to a wholesaler. The company was incorporated in 2013 and is headquartered in San Francisco, California.

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GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.