Is SICP or XYLD a better dividend investment in 2026?

SICP currently yields 285.71% with a 5% 5-year dividend growth rate. XYLD yields 9.02% with 0.5% growth. The better choice depends on your goal: SICP offers higher current income.

What is the dividend yield difference between SICP and XYLD?

SICP has a forward dividend yield of 285.71% ($2.00/share annually). XYLD yields 9.02% ($3.48/share annually). The yield gap is 276.69 percentage points.

Home › Compare › SICP vs XYLD

SICP vs XYLD: Dividend Comparison 2026

SICP yields 285.71% · XYLD yields 9.02%● Live data

vsPost on X →

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

🏆 SICP wins by $1093.24M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SICP

● Live price

285.71%

Share price

$0.70

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1093.26M

Annual income

$647,471,568.28

Full SICP calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

9.02%

Share price

$38.60

Annual div

$3.48

5Y div CAGR

0.5%

Payout ratio

90%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.1K

Annual income

$2,363.75

Full XYLD calculator →

Portfolio growth — SICP vs XYLD

📍 SICP pulled ahead of the other in Year 1

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	SICP	XYLD
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, SICP + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SICP pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SICP

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

$24,285.71/yr

After 10yr DRIP, annual income (after tax)

$550,350,833.04/yr

XYLD

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

$766.32/yr

After 10yr DRIP, annual income (after tax)

$2,009.19/yr

At 15% tax rate, SICP beats the other by $550,348,823.85/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SICP + XYLD for your $10,000?

SICP: 50%XYLD: 50%

100% XYLD50/50100% SICP

Portfolio after 10yr

$546.64M

Annual income

$323,736,966.02/yr

Blended yield

59.22%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SICP right now

SICP

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Altman Z

-0.5

Piotroski

3/9

XYLD

No analyst data

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)

SICP buys

XYLD buys

No recent congressional trades found for SICP or XYLD in the last 90 days.

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

MetricSICPXYLD

Forward yield	285.71% ✓	9.02%
Annual dividend / share	$2.00	$3.48 ✓
Payout ratio	50% ✓	90%
1-year div growth	0% ✓	-2.1%
5-year div CAGR	0%	0.5% ✓
Portfolio after 10y	$1093.26M ✓	$21.1K
Annual income after 10y	$647,471,568.28 ✓	$2,363.75
Total dividends collected	$1047.83M ✓	$15.0K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: SICP vs XYLD ($10,000, DRIP)

Year	SICP Portfolio	SICP Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$39,271	$28,571.43	$10,626	$906.06	+$28.6K → SICP
2	$146,884	$104,863.63	$11,324	$995.47	+$135.6K → SICP
3	$523,721	$366,554.92	$12,104	$1,096.88	+$511.6K → SICP
4	$1,781,845	$1,221,463.51	$12,977	$1,212.21	+$1.77M → SICP
5	$5,790,462	$3,883,888.27	$13,958	$1,343.80	+$5.78M → SICP
6	$17,991,565	$11,795,770.15	$15,061	$1,494.40	+$17.98M → SICP
7	$53,503,944	$34,252,969.34	$16,307	$1,667.30	+$53.49M → SICP
8	$152,447,983	$95,198,763.11	$17,717	$1,866.48	+$152.43M → SICP
9	$416,622,524	$253,503,182.74	$19,317	$2,096.71	+$416.60M → SICP
10	$1,093,257,669	$647,471,568.28	$21,140	$2,363.75	+$1093.24M → SICP

SICP vs XYLD: Complete Analysis 2026

SICP — Stock

Silvergate Capital Corporation operates as a bank holding company for Silvergate Bank that provides banking products and services to business and individual clients in the United States. The company accepts deposit products, including interest and noninterest bearing demand accounts, money market and savings accounts, and certificates of deposit accounts. Its loan products comprise one-to-four family real estate loans, multi-family real estate loans, commercial real estate loans, construction loans, commercial and industrial loans, mortgage warehouse loans, and reverse mortgage loans, as well as consumer loans and other loans secured by personal property. The company also provides cash management services for digital currency-related businesses. Silvergate Capital Corporation was founded in 1988 and is headquartered in La Jolla, California.

Full SICP Calculator →

XYLD — ETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

📬

Get this SICP vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SICP vs SCHD SICP vs JEPI SICP vs O SICP vs KO SICP vs MAIN SICP vs QYLD SICP vs JEPQ SICP vs RYLD

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