Is SPNS or QYLD a better dividend investment in 2026?

SPNS currently yields 1.38% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between SPNS and QYLD?

SPNS has a forward dividend yield of 1.38% ($0.60/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 10.54 percentage points.

Home › Compare › SPNS vs QYLD

SPNS vs QYLD: Dividend Comparison 2026

SPNS yields 1.38% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 SPNS wins by $14.32M in total portfolio value

INVESTMENT

TIME HORIZON10 years

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 →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — SPNS vs QYLD

📍 SPNS 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	SPNS	QYLD
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 + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SPNS pays

QYLD 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

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, SPNS beats the other by $10,702,737.31/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SPNS: 50%QYLD: 50%

100% QYLD50/50100% SPNS

Portfolio after 10yr

$7.19M

Annual income

$6,301,387.15/yr

Blended yield

87.67%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SPNS right now

SPNS

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$38.00

-12.5% upside vs current

Range: $38.00 — $38.00

Altman Z

8.0

Piotroski

6/9

QYLD

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)

SPNS buys

QYLD buys

No recent congressional trades found for SPNS or QYLD in the last 90 days.

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

MetricSPNSQYLD

Forward yield	1.38%	11.92% ✓
Annual dividend / share	$0.60	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$14.35M	$25.4K ✓
Annual income after 10y	$12,597,114.97 ✓	$5,659.31
Total dividends collected	$14.19M	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SPNS Portfolio	SPNS Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$10,976	$276.18	$10,352	$1,192.36	+$624.00 → SPNS
2	$12,311	$566.62	$10,830	$1,347.57	+$1.5K → SPNS
3	$14,361	$1,187.91	$11,460	$1,539.07	+$2.9K → SPNS
4	$17,956	$2,590.06	$12,275	$1,777.84	+$5.7K → SPNS
5	$25,266	$6,053.25	$13,323	$2,078.95	+$11.9K → SPNS
6	$42,956	$15,920.78	$14,667	$2,463.34	+$28.3K → SPNS
7	$96,556	$50,592.94	$16,396	$2,960.57	+$80.2K → SPNS
8	$315,880	$212,565.27	$18,631	$3,612.97	+$297.2K → SPNS
9	$1,637,811	$1,299,819.25	$21,548	$4,482.15	+$1.62M → SPNS
10	$14,349,572	$12,597,114.97	$25,398	$5,659.31	+$14.32M → SPNS

SPNS vs QYLD: Complete Analysis 2026

SPNS — Stock

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 →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.