HomeCompareSYF vs XYLD

SYF vs XYLD: Dividend Comparison 2026

SYF yields 4.00% · XYLD yields 9.02% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $6.9K in total portfolio value
10 years
SYF
SYF
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SYF calculator →
XYLD
Global X S&P 500 Covered Call ETF
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — SYF vs XYLD

Annual dividend income

MetricSYFXYLD
Forward yield4.00%9.02%
Annual dividend / share$2.00$3.48
Payout ratio50%90%
1-year div growth5%-2.1%
5-year div CAGR5%0.5%
Portfolio after 10y$28.0K$21.1K
Annual income after 10y$899.19$2,363.75
Total dividends collected$6.4K$15.0K
Payment frequencyquarterlymonthly
SectorFinancialsETF

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

YearSYF PortfolioSYF Income/yrXYLD PortfolioXYLD Income/yrGap
1$11,120$420.00$10,626$906.06+$494.00SYF
2$12,357$458.31$11,324$995.47+$1.0KSYF
3$13,721$499.76$12,104$1,096.88+$1.6KSYF
4$15,227$544.58$12,977$1,212.21+$2.3KSYF
5$16,885$593.02$13,958$1,343.80+$2.9KSYF
6$18,713$645.34$15,061$1,494.40+$3.7KSYF
7$20,724$701.81$16,307$1,667.30+$4.4KSYF
8$22,938$762.73$17,717$1,866.48+$5.2KSYF
9$25,372$828.41$19,317$2,096.71+$6.1KSYF
10$28,047$899.19$21,140$2,363.75+$6.9KSYF

SYF vs XYLD: Complete Analysis 2026

SYFFinancials

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

Full SYF Calculator →

XYLDETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD Calculator →

Frequently Asked Questions

Is SYF or XYLD better for dividend income in 2026?
SYF currently offers a 4.00% yield (2.00/share/year) while XYLD offers 9.02% (3.48/share/year). XYLD provides higher current income. However, SYF has grown its dividend faster (5% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in SYF vs XYLD earn per year?
With $10,000 invested today: SYF pays approximately $400/year. XYLD pays approximately $902/year. With DRIP reinvestment over 10 years, these grow to $899/year (SYF) and $2,364/year (XYLD).
Does SYF or XYLD pay monthly dividends?
SYF pays quarterly dividends. XYLD pays monthly dividends. XYLD pays monthly, which is preferred by investors who need regular cash flow.
📬

Get this SYF vs XYLD comparison by email

Save your analysis + get weekly dividend insights. Free forever.

More comparisons

SYF vs SCHDSYF vs JEPISYF vs OSYF vs KOSYF vs MAINSYF vs QYLDSYF vs JEPQSYF vs RYLDXYLD vs QYLDXYLD vs JEPIXYLD vs JEPQXYLD vs RYLD

⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.