Is SPSAF or XYLD a better dividend investment in 2026?

SPSAF currently yields 4.31% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between SPSAF and XYLD?

SPSAF has a forward dividend yield of 4.31% ($6.26/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.67 percentage points.

Home › Compare › SPSAF vs XYLD

SPSAF vs XYLD: Dividend Comparison 2026

SPSAF yields 4.31% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SPSAF wins by $1.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SPSAF

● Live price

4.31%

Share price

$145.10

Annual div

$6.26

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.5K

Annual income

$568.93

Full SPSAF 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 — SPSAF vs XYLD

📍 SPSAF 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	SPSAF	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, SPSAF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SPSAF pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SPSAF

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

$366.71/yr

After 10yr DRIP, annual income (after tax)

$483.59/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 $2,252.58/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SPSAF: 50%XYLD: 50%

100% XYLD50/50100% SPSAF

Portfolio after 10yr

$25.9K

Annual income

$1,893.97/yr

Blended yield

7.31%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SPSAF right now

SPSAF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

3.0

Piotroski

8/9

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)

SPSAF buys

XYLD buys

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

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

MetricSPSAFXYLD

Forward yield	4.31%	10.98% ✓
Annual dividend / share	$6.26 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$26.5K ✓	$25.3K
Annual income after 10y	$568.93	$3,219.02 ✓
Total dividends collected	$5.0K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SPSAF Portfolio	SPSAF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,131	$431.43	$10,818	$1,098.39	+$313.00 → SPSAF
2	$12,359	$448.82	$11,738	$1,222.51	+$621.00 → SPSAF
3	$13,690	$465.73	$12,774	$1,364.64	+$916.00 → SPSAF
4	$15,131	$482.14	$13,944	$1,527.86	+$1.2K → SPSAF
5	$16,688	$498.01	$15,270	$1,715.87	+$1.4K → SPSAF
6	$18,369	$513.32	$16,775	$1,933.09	+$1.6K → SPSAF
7	$20,183	$528.08	$18,490	$2,184.87	+$1.7K → SPSAF
8	$22,138	$542.27	$20,450	$2,477.63	+$1.7K → SPSAF
9	$24,244	$555.88	$22,697	$2,819.19	+$1.5K → SPSAF
10	$26,510	$568.93	$25,280	$3,219.02	+$1.2K → SPSAF

SPSAF vs XYLD: Complete Analysis 2026

SPSAF — Stock

Sopra Steria Group SA provides consulting, digital, and software development services in France and internationally. The company operates through five segments: France, United Kingdom, Other Europe, Sopra Banking Software, and Other Solutions. It offers consulting services, including business and technology consulting services for large companies and public bodies; systems integration services that covers information system lifecycle and transformation programs; and cybersecurity services. The company also provides software for banks and financial institutions, human resources, and property management; business process services; and IT infrastructure management services, as well as lending solutions. It serves customers in the retail, energy and utilities, financial services, government and public sector, transport, aerospace, defense and security, insurance, telecommunication, media and entertainment, and other industries. Sopra Steria Group SA was incorporated in 1968 and is headquartered in Paris, France.

Full SPSAF 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 →

📬

Get this SPSAF vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SPSAF vs SCHD SPSAF vs JEPI SPSAF vs O SPSAF vs KO SPSAF vs MAIN SPSAF vs QYLD SPSAF vs JEPQ SPSAF 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.