Is STFC or RYLD a better dividend investment in 2026?

STFC currently yields 17.60% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: STFC offers higher current income.

What is the dividend yield difference between STFC and RYLD?

STFC has a forward dividend yield of 17.60% ($9.15/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 5.21 percentage points.

Home › Compare › STFC vs RYLD

STFC vs RYLD: Dividend Comparison 2026

STFC yields 17.60% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 STFC wins by $17.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

STFC

● Live price

17.60%

Share price

$52.01

Annual div

$9.15

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$62.9K

Annual income

$5,168.61

Full STFC calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — STFC vs RYLD

📍 STFC 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	STFC	RYLD
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, STFC + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

STFC pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

STFC

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

$1,495.80/yr

After 10yr DRIP, annual income (after tax)

$4,393.32/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, STFC beats the other by $2,112.79/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 STFC + RYLD for your $10,000?

STFC: 50%RYLD: 50%

100% RYLD50/50100% STFC

Portfolio after 10yr

$54.1K

Annual income

$3,925.79/yr

Blended yield

7.26%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on STFC right now

STFC

Analyst Ratings

Buy

Hold

Consensus: Hold

RYLD

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)

STFC buys

RYLD buys

No recent congressional trades found for STFC or RYLD in the last 90 days.

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

MetricSTFCRYLD

Forward yield	17.60% ✓	12.39%
Annual dividend / share	$9.15 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$62.9K ✓	$45.3K
Annual income after 10y	$5,168.61 ✓	$2,682.98
Total dividends collected	$33.4K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: STFC vs RYLD ($10,000, DRIP)

Year	STFC Portfolio	STFC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,460	$1,759.76	$11,939	$1,239.34	+$521.00 → STFC
2	$15,381	$2,049.18	$14,158	$1,382.89	+$1.2K → STFC
3	$18,822	$2,364.15	$16,682	$1,532.59	+$2.1K → STFC
4	$22,843	$2,703.76	$19,537	$1,687.64	+$3.3K → STFC
5	$27,509	$3,066.74	$22,752	$1,847.20	+$4.8K → STFC
6	$32,886	$3,451.52	$26,355	$2,010.43	+$6.5K → STFC
7	$39,044	$3,856.25	$30,376	$2,176.45	+$8.7K → STFC
8	$46,056	$4,278.85	$34,847	$2,344.43	+$11.2K → STFC
9	$53,997	$4,717.09	$39,800	$2,513.54	+$14.2K → STFC
10	$62,946	$5,168.61	$45,269	$2,682.98	+$17.7K → STFC

STFC vs RYLD: Complete Analysis 2026

STFC — Stock

State Auto Financial Corporation, through its subsidiaries, engages in writing personal and business insurance products in the United States. It operates through Personal Insurance, Commercial Insurance, and Investment Operations segments. The Personal Insurance segment primarily provides personal automobile, homeowners, and other personal insurance products. The commercial insurance segment primarily provides commercial automobile, commercial multi-peril, fire and allied, general liability, and workers' compensation insurance covering small-to-medium sized commercial exposures in the commercial insurance market, as well as farm and ranch insurance products. The Investment Operations segment provides investment management services to affiliated insurance companies. The company markets its products primarily through independent agencies, including retail agencies and wholesale brokers. The company was founded in 1950 and is headquartered in Columbus, Ohio. State Auto Financial Corporation operates as a subsidiary of State Automobile Mutual Insurance Company, Inc.

Full STFC Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.