Is TCTM or RYLD a better dividend investment in 2026?

TCTM currently yields 404.12% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: TCTM offers higher current income.

What is the dividend yield difference between TCTM and RYLD?

TCTM has a forward dividend yield of 404.12% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 391.98 percentage points.

Home › Compare › TCTM vs RYLD

TCTM vs RYLD: Dividend Comparison 2026

TCTM yields 404.12% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 TCTM wins by $12330.61M in total portfolio value

INVESTMENT

TIME HORIZON10 years

TCTM

● Live price

404.12%

Share price

$0.49

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$12330.65M

Annual income

$8,293,574,113.47

Full TCTM calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — TCTM vs RYLD

📍 TCTM 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	TCTM	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%.

📅

Dividend Calendar Overlap

Combined, TCTM + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TCTM pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TCTM

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

$34,350.37/yr

After 10yr DRIP, annual income (after tax)

$7,049,537,996.45/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, TCTM beats the other by $7,049,535,797.20/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TCTM + RYLD for your $10,000?

TCTM: 50%RYLD: 50%

100% RYLD50/50100% TCTM

Portfolio after 10yr

$6165.35M

Annual income

$4,146,788,350.40/yr

Blended yield

67.26%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on TCTM right now

TCTM

Analyst Ratings

Buy

Consensus: Buy

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TCTM buys

RYLD buys

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

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

MetricTCTMRYLD

Forward yield	404.12% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$12330.65M ✓	$44.5K
Annual income after 10y	$8,293,574,113.47 ✓	$2,587.35
Total dividends collected	$11960.22M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TCTM Portfolio	TCTM Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$51,112	$40,412.20	$11,914	$1,213.65	+$39.2K → TCTM
2	$247,733	$193,042.70	$14,099	$1,351.30	+$233.6K → TCTM
3	$1,139,511	$874,436.79	$16,580	$1,494.55	+$1.12M → TCTM
4	$4,978,340	$3,759,063.56	$19,384	$1,642.61	+$4.96M → TCTM
5	$20,675,185	$15,348,360.75	$22,535	$1,794.70	+$20.65M → TCTM
6	$81,694,567	$59,572,119.44	$26,063	$1,950.00	+$81.67M → TCTM
7	$307,403,243	$219,990,056.59	$29,995	$2,107.69	+$307.37M → TCTM
8	$1,102,553,681	$773,632,210.40	$34,361	$2,266.99	+$1102.52M → TCTM
9	$3,772,968,569	$2,593,236,130.52	$39,194	$2,427.12	+$3772.93M → TCTM
10	$12,330,650,482	$8,293,574,113.47	$44,525	$2,587.35	+$12330.61M → TCTM

TCTM vs RYLD: Complete Analysis 2026

TCTM — Stock

TCTM Kids IT Education Inc., through its subsidiaries, engages in the provision of adult professional education, and childhood and adolescent quality education services in the People's Republic of China. The company operates an education platform that combines live distance instruction, classroom-based tutoring, and online learning modules. It offers adult professional education courses in IT and non-IT subjects; and childhood and adolescent quality education programs, including computer coding and robotics programming courses, etc., targeting students aged between three and eighteen. The company was formerly known as Tarena International, Inc. and changed its name to TCTM Kids IT Education Inc. in February 2024. TCTM Kids IT Education Inc. was founded in 2002 and is headquartered in Beijing, the People's Republic of China.

Full TCTM 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 →

📬

Get this TCTM vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TCTM vs SCHD TCTM vs JEPI TCTM vs O TCTM vs KO TCTM vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.