Is SOFIW or XYLD a better dividend investment in 2026?

SOFIW currently yields 36.36% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: SOFIW offers higher current income.

What is the dividend yield difference between SOFIW and XYLD?

SOFIW has a forward dividend yield of 36.36% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 25.38 percentage points.

Home › Compare › SOFIW vs XYLD

SOFIW vs XYLD: Dividend Comparison 2026

SOFIW yields 36.36% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SOFIW wins by $1.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SOFIW

● Live price

36.36%

Share price

$5.50

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.6K

Annual income

$4.80

Full SOFIW calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — SOFIW vs XYLD

📍 SOFIW 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 Period	SOFIW	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%.

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Dividend Calendar Overlap

Combined, SOFIW + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SOFIW pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SOFIW

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

$3,090.91/yr

After 10yr DRIP, annual income (after tax)

$4.08/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,732.09/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 SOFIW + XYLD for your $10,000?

SOFIW: 50%XYLD: 50%

100% XYLD50/50100% SOFIW

Portfolio after 10yr

$25.9K

Annual income

$1,611.91/yr

Blended yield

6.21%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SOFIW right now

SOFIW

Analyst Ratings

Buy

Consensus: Buy

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SOFIW buys

XYLD buys

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

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

MetricSOFIWXYLD

Forward yield	36.36% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$26.6K ✓	$25.3K
Annual income after 10y	$4.80	$3,219.02 ✓
Total dividends collected	$4.1K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SOFIW Portfolio	SOFIW Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$12,518	$1,818.18	$10,818	$1,098.39	+$1.7K → SOFIW
2	$14,458	$1,063.57	$11,738	$1,222.51	+$2.7K → SOFIW
3	$16,044	$574.01	$12,774	$1,364.64	+$3.3K → SOFIW
4	$17,465	$297.65	$13,944	$1,527.86	+$3.5K → SOFIW
5	$18,839	$151.41	$15,270	$1,715.87	+$3.6K → SOFIW
6	$20,234	$76.32	$16,775	$1,933.09	+$3.5K → SOFIW
7	$21,688	$38.30	$18,490	$2,184.87	+$3.2K → SOFIW
8	$23,226	$19.19	$20,450	$2,477.63	+$2.8K → SOFIW
9	$24,861	$9.60	$22,697	$2,819.19	+$2.2K → SOFIW
10	$26,606	$4.80	$25,280	$3,219.02	+$1.3K → SOFIW

SOFIW vs XYLD: Complete Analysis 2026

SOFIW — Stock

SoFi Technologies, Inc., a finance company, operates an online platform that provides financial services. It offers student loan refinancing, private student loans, personal loans, auto loan refinance, home loans, mortgage loans, and investments, as well as insurance products for renters, homeowners, automobiles, and others. The company was incorporated in 2011 and is based in San Francisco, California.

Full SOFIW Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.