HomeCompareSURF vs ARCC

SURF vs ARCC: Dividend Comparison 2026

SURF yields 186.92% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SURF wins by $81.11M in total portfolio value
10 years
SURF
SURF
● Live price
186.92%
Share price
$1.07
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$81.13M
Annual income
$39,529,983.12
Full SURF 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 — SURF vs ARCC

📍 SURF 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 PeriodSURFARCC
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, SURF + ARCC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SURF
Annual income on $10K today (after 15% tax)
$15,887.85/yr
After 10yr DRIP, annual income (after tax)
$33,600,485.65/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, SURF beats the other by $33,600,484.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SURF: 50%ARCC: 50%
100% ARCC50/50100% SURF
Portfolio after 10yr
$40.58M
Annual income
$19,764,992.14/yr
Blended yield
48.71%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

SURF
Analyst Ratings
4
Buy
3
Hold
Consensus: Buy
Altman Z
-6.6
Piotroski
3/9
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)

SURF buys
0
ARCC buys
0
No recent congressional trades found for SURF or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSURFARCC
Forward yield186.92%10.82%
Annual dividend / share$2.00$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%-50%
Portfolio after 10y$81.13M$24.5K
Annual income after 10y$39,529,983.12$1.16
Total dividends collected$76.16M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy

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

YearSURF PortfolioSURF Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$29,392$18,691.59$11,381$541.15+$18.0KSURF
2$82,793$51,343.50$12,621$284.08+$70.2KSURF
3$223,755$135,166.69$13,827$145.31+$209.9KSURF
4$580,820$341,402.73$15,062$73.43+$565.8KSURF
5$1,449,711$828,233.59$16,364$36.89+$1.43MSURF
6$3,483,199$1,932,007.62$17,757$18.49+$3.47MSURF
7$8,065,345$4,338,322.11$19,258$9.25+$8.05MSURF
8$18,018,127$9,388,208.03$20,880$4.63+$18.00MSURF
9$38,880,730$19,601,334.30$22,636$2.32+$38.86MSURF
10$81,132,364$39,529,983.12$24,539$1.16+$81.11MSURF

SURF vs ARCC: Complete Analysis 2026

SURFStock

Surface Oncology, Inc., a clinical-stage immuno-oncology company, engages in the development of cancer therapies in the United States. The company develops various antibodies that include NZV930, a fully human immunoglobulin isotype G4 monoclonal antibody for the production of extracellular adenosine; SRF617, a fully human IgG4 monoclonal antibody that inhibits CD39 enzymatic activity for the production of adenosine and the breakdown of adenosine triphosphate; SRF388 targeting interleukin 27; GSK4381562, an antibody targeting CD112R, an inhibitory protein expressed on natural killer and T cells; and SRF114 targeting the chemokine receptor CCR8. Surface Oncology, Inc. has a license agreement with GlaxoSmithKline Intellectual Property (No. 4) Limited to develop, manufacture, and commercialize antibodies that targets SRF813; and license agreement with Vaccinex, Inc. to develop, manufacture, and commercialize antibodies, which targets SRF114. The company was incorporated in 2014 and is headquartered in Cambridge, Massachusetts.

Full SURF 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.