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UIHC vs GBDC: Dividend Comparison 2026

UIHC yields 29.00% · GBDC yields 11.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UIHC wins by $538473168.40M in total portfolio value
10 years
UIHC
UIHC
● Live price
29.00%
Share price
$7.93
Annual div
$2.30
5Y div CAGR
97.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$538473189.18M
Annual income
$534,397,710,634,095.75
Full UIHC calculator →
GBDC
GBDC
● Live price
11.85%
Share price
$12.66
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.78M
Annual income
$16,389,263.41
Full GBDC calculator →

Portfolio growth — UIHC vs GBDC

📍 UIHC 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 PeriodUIHCGBDC
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, UIHC + GBDC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UIHC
Annual income on $10K today (after 15% tax)
$2,465.32/yr
After 10yr DRIP, annual income (after tax)
$454,238,054,038,981.40/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.11/yr
After 10yr DRIP, annual income (after tax)
$13,930,873.90/yr
At 15% tax rate, UIHC beats the other by $454,238,040,108,107.50/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UIHC + GBDC for your $10,000?

UIHC: 50%GBDC: 50%
100% GBDC50/50100% UIHC
Portfolio after 10yr
$269236604.98M
Annual income
$267,198,863,511,679.56/yr
Blended yield
99.24%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

UIHC
Analyst Ratings
5
Hold
1
Sell
Consensus: Hold
Price Target
$1.90
-76.0% upside vs current
Range: $1.90 — $1.90
Altman Z
27.0
Piotroski
4/9
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.6% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
Piotroski
6/9
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)

UIHC buys
0
GBDC buys
0
No recent congressional trades found for UIHC or GBDC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUIHCGBDC
Forward yield29.00%11.85%
Annual dividend / share$2.30$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR97.2%51.1%
Portfolio after 10y$538473189.18M$20.78M
Annual income after 10y$534,397,710,634,095.75$16,389,263.41
Total dividends collected$538203030.10M$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy
Analyst price target$1.90$14.00

Year-by-year: UIHC vs GBDC ($10,000, DRIP)

YearUIHC PortfolioUIHC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$16,420$5,719.55$12,490$1,790.28+$3.9KUIHC
2$34,877$17,307.96$16,522$3,157.73+$18.4KUIHC
3$105,074$67,755.63$23,578$5,898.68+$81.5KUIHC
4$488,635$376,206.00$37,115$11,886.75+$451.5KUIHC
5$3,747,164$3,224,324.26$66,136$26,423.57+$3.68MUIHC
6$49,579,557$45,570,091.28$137,257$66,491.44+$49.44MUIHC
7$1,164,277,661$1,111,227,535.94$341,734$194,868.54+$1163.94MUIHC
8$49,338,576,196$48,092,799,098.62$1,050,788$685,133.02+$49337.53MUIHC
9$3,808,858,452,173$3,756,066,175,643.08$4,099,314$2,974,971.01+$3808854.35MUIHC
10$538,473,189,177,921$534,397,710,634,095.75$20,775,530$16,389,263.41+$538473168.40MUIHC

UIHC vs GBDC: Complete Analysis 2026

UIHCStock

United Insurance Holdings Corp. operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. It markets and distributes its products through a network of independent agencies in Florida, New York, Louisiana, Texas, Georgia, Massachusetts, New Jersey, North Carolina, and South Carolina. United Insurance Holdings Corp. was founded in 1999 and is based in St. Petersburg, Florida.

Full UIHC Calculator →

GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.