HomeCompareSPNS vs ARCC

SPNS vs ARCC: Dividend Comparison 2026

SPNS yields 1.38% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SPNS wins by $14.33M in total portfolio value· pulled ahead in Year 3
10 years
SPNS
SPNS
● Live price
1.38%
Share price
$43.45
Annual div
$0.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.35M
Annual income
$12,597,114.97
Full SPNS calculator →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — SPNS vs ARCC

📍 SPNS pulled ahead of the other in Year 3

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 PeriodSPNSARCC
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, SPNS + ARCC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SPNS
Annual income on $10K today (after 15% tax)
$117.38/yr
After 10yr DRIP, annual income (after tax)
$10,707,547.72/yr
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, SPNS beats the other by $10,707,546.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SPNS + ARCC for your $10,000?

SPNS: 50%ARCC: 50%
100% ARCC50/50100% SPNS
Portfolio after 10yr
$7.19M
Annual income
$6,298,558.07/yr
Blended yield
87.64%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

SPNS
Analyst Ratings
4
Buy
5
Hold
1
Sell
Consensus: Hold
Price Target
$38.00
-12.5% upside vs current
Range: $38.00 — $38.00
Altman Z
8.0
Piotroski
6/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

SPNS buys
0
ARCC buys
0
No recent congressional trades found for SPNS or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPNSARCC
Forward yield1.38%10.82%
Annual dividend / share$0.60$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%-50%
Portfolio after 10y$14.35M$24.5K
Annual income after 10y$12,597,114.97$1.16
Total dividends collected$14.19M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy
Analyst price target$38.00$21.88

Year-by-year: SPNS vs ARCC ($10,000, DRIP)

YearSPNS PortfolioSPNS Income/yrARCC PortfolioARCC Income/yrGap
1$10,976$276.18$11,381$541.15$405.00ARCC
2$12,311$566.62$12,621$284.08$310.00ARCC
3← crossover$14,361$1,187.91$13,827$145.31+$534.00SPNS
4$17,956$2,590.06$15,062$73.43+$2.9KSPNS
5$25,266$6,053.25$16,364$36.89+$8.9KSPNS
6$42,956$15,920.78$17,757$18.49+$25.2KSPNS
7$96,556$50,592.94$19,258$9.25+$77.3KSPNS
8$315,880$212,565.27$20,880$4.63+$295.0KSPNS
9$1,637,811$1,299,819.25$22,636$2.32+$1.62MSPNS
10$14,349,572$12,597,114.97$24,539$1.16+$14.33MSPNS

SPNS vs ARCC: Complete Analysis 2026

SPNSStock

Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers' compensation. In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. The company markets and sells its products and services through direct and partner sales. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.

Full SPNS Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.