Is TFINP or RYLD a better dividend investment in 2026?

TFINP currently yields 8.00% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between TFINP and RYLD?

TFINP has a forward dividend yield of 8.00% ($1.78/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 4.14 percentage points.

Home › Compare › TFINP vs RYLD

TFINP vs RYLD: Dividend Comparison 2026

TFINP yields 8.00% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 TFINP wins by $31963.32M in total portfolio value

INVESTMENT

TIME HORIZON10 years

TFINP

● Live price

8.00%

Share price

$22.25

Annual div

$1.78

5Y div CAGR

94.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31963.36M

Annual income

$30,985,592,821.15

Full TFINP 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 — TFINP vs RYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TFINP 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.

TFINP

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

$680.38/yr

After 10yr DRIP, annual income (after tax)

$26,337,753,897.98/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, TFINP beats the other by $26,337,751,698.73/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 TFINP + RYLD for your $10,000?

TFINP: 50%RYLD: 50%

100% RYLD50/50100% TFINP

Portfolio after 10yr

$15981.70M

Annual income

$15,492,797,704.24/yr

Blended yield

96.94%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on TFINP right now

TFINP

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Altman Z

0.3

Piotroski

3/9

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)

TFINP buys

RYLD buys

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

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

MetricTFINPRYLD

Forward yield	8.00%	12.14% ✓
Annual dividend / share	$1.78	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	94.6% ✓	0%
Portfolio after 10y	$31963.36M ✓	$44.5K
Annual income after 10y	$30,985,592,821.15 ✓	$2,587.35
Total dividends collected	$31895.79M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TFINP Portfolio	TFINP Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,258	$1,557.67	$11,914	$1,213.65	+$344.00 → TFINP
2	$16,588	$3,472.51	$14,099	$1,351.30	+$2.5K → TFINP
3	$26,296	$8,546.63	$16,580	$1,494.55	+$9.7K → TFINP
4	$52,777	$24,640.19	$19,384	$1,642.61	+$33.4K → TFINP
5	$146,412	$89,940.89	$22,535	$1,794.70	+$123.9K → TFINP
6	$610,445	$453,784.18	$26,063	$1,950.00	+$584.4K → TFINP
7	$4,094,122	$3,440,945.63	$29,995	$2,107.69	+$4.06M → TFINP
8	$46,351,867	$41,971,156.23	$34,361	$2,266.99	+$46.32M → TFINP
9	$913,800,824	$864,204,326.32	$39,194	$2,427.12	+$913.76M → TFINP
10	$31,963,359,703	$30,985,592,821.15	$44,525	$2,587.35	+$31963.32M → TFINP

TFINP vs RYLD: Complete Analysis 2026

TFINP — Stock

Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. It operates through a portfolio of brands, including TriumphPay, Triumph, and TBK Bank. The company offers cash flow management services for the trucking industry comprising invoice factoring, fuel discount programs, truck and cargo insurance, and equipment finance, banking, and treasury services. It also provides factoring products and services; insurance products and services; and equipment finance and asset based lending products and services. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was founded in 1981 and is headquartered in Dallas, Texas.

Full TFINP 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.