Is SPYD or CRM a better dividend investment in 2026?

SPYD currently yields 4.41% with a 5% 5-year dividend growth rate. CRM yields 4.00% with 5% growth. The better choice depends on your goal: SPYD offers higher current income.

What is the dividend yield difference between SPYD and CRM?

SPYD has a forward dividend yield of 4.41% ($1.99/share annually). CRM yields 4.00% ($2.00/share annually). The yield gap is 0.41 percentage points.

Home › Compare › SPYD vs CRM

SPYD vs CRM: Dividend Comparison 2026

SPYD yields 4.41% · CRM yields 4.00%● Live data

vsPost on X →

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

🏆 CRM wins by $1.4K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

SPYD

● Live price

4.41%

Share price

$45.11

Annual div

$1.99

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.7K

Annual income

$584.62

Full SPYD calculator →

CRM

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full CRM calculator →

Portfolio growth — SPYD vs CRM

📍 CRM pulled ahead of the other in Year 4

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	SPYD	CRM
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, SPYD + CRM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SPYD pays

CRM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SPYD

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

$374.62/yr

After 10yr DRIP, annual income (after tax)

$496.93/yr

CRM

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, CRM beats the other by $267.38/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SPYD + CRM for your $10,000?

SPYD: 50%CRM: 50%

100% CRM50/50100% SPYD

Portfolio after 10yr

$27.4K

Annual income

$741.91/yr

Blended yield

2.71%

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Analyst Conviction Gap

Where Wall Street is most bullish on CRM right now

SPYD

No analyst data

CRM

Analyst Ratings

Strong

Buy

Hold

Sell

Consensus: Buy

Price Target

$287.00

+474.0% upside vs current

Range: $235.00 — $400.00

Altman Z

2.7

Piotroski

6/9

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)

SPYD buys

CRM buys

No recent congressional trades found for SPYD or CRM in the last 90 days.

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

MetricSPYDCRM

Forward yield	4.41% ✓	4.00%
Annual dividend / share	$1.99	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$26.7K	$28.0K ✓
Annual income after 10y	$584.62	$899.19 ✓
Total dividends collected	$5.2K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	ETF	Technology

Year-by-year: SPYD vs CRM ($10,000, DRIP)

Year	SPYD Portfolio	SPYD Income/yr	CRM Portfolio	CRM Income/yr	Gap
1	$11,141	$440.73	$11,120	$420.00	+$21.00 → SPYD
2	$12,379	$458.88	$12,357	$458.31	+$22.00 → SPYD
3	$13,723	$476.54	$13,721	$499.76	+$2.00 → SPYD
4← crossover	$15,177	$493.69	$15,227	$544.58	$50.00 → CRM
5	$16,750	$510.29	$16,885	$593.02	$135.00 → CRM
6	$18,448	$526.32	$18,713	$645.34	$265.00 → CRM
7	$20,281	$541.78	$20,724	$701.81	$443.00 → CRM
8	$22,258	$556.65	$22,938	$762.73	$680.00 → CRM
9	$24,387	$570.93	$25,372	$828.41	$985.00 → CRM
10	$26,678	$584.62	$28,047	$899.19	$1.4K → CRM

SPYD vs CRM: Complete Analysis 2026

SPYD — ETF

The State Street SPDR Portfolio S&P 500 High Dividend ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P 500 High Dividend Index (the "Index")A low cost ETF that seeks to provide a high level of dividend income and the opportunity for capital appreciationThe Index is designed to measure the performance of the top 80 high dividend-yielding companies within the S&P 500 IndexOne of the low cost core State Street SPDR Portfolio ETFs, a suite of portfolio building blocks designed to provide broad, diversified exposure to core asset classes

Full SPYD Calculator →

CRM — Technology

CRM is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in CRM shares.

Full CRM 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.