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UNAM vs GBDC: Dividend Comparison 2026

UNAM yields 2857.14% · GBDC yields 11.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNAM wins by $285724556539.31M in total portfolio value
10 years
UNAM
UNAM
● Live price
2857.14%
Share price
$0.07
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$285724556560.08M
Annual income
$267,319,527,558,731,650.00
Full UNAM 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 — UNAM vs GBDC

📍 UNAM 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 PeriodUNAMGBDC
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, UNAM + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UNAM pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

UNAM
Annual income on $10K today (after 15% tax)
$242,857.14/yr
After 10yr DRIP, annual income (after tax)
$227,221,598,424,921,900.00/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, UNAM beats the other by $227,221,598,410,991,000.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UNAM: 50%GBDC: 50%
100% GBDC50/50100% UNAM
Portfolio after 10yr
$142862278290.43M
Annual income
$133,659,763,787,560,450.00/yr
Blended yield
93.56%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

UNAM
No analyst data
Altman Z
0.6
Piotroski
2/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNAM buys
0
GBDC buys
2
PoliticianChamberTickerTypeAmountDate
David P. Joyce🏢 House$GBDC▼ Sell$1,001 - $15,0002023-06-30
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002023-06-19
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-14
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-12
Teresa Leger Fernandez🏢 House$GBDC▼ Sell$15,001 - $50,0002021-01-20
David P. Joyce🏢 House$GBDC▲ Buy$1,001 - $15,0002020-02-25
David P. Joyce🏢 House$GBDC▲ Buy$15,001 - $50,0002019-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNAMGBDC
Forward yield2857.14%11.85%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$285724556560.08M$20.78M
Annual income after 10y$267,319,527,558,731,650.00$16,389,263.41
Total dividends collected$284448663636.43M$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearUNAM PortfolioUNAM Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$296,414$285,714.29$12,490$1,790.28+$283.9KUNAM
2$8,232,097$7,914,934.20$16,522$3,157.73+$8.22MUNAM
3$214,243,566$205,435,221.63$23,578$5,898.68+$214.22MUNAM
4$5,225,999,702$4,996,759,086.15$37,115$11,886.75+$5225.96MUNAM
5$119,502,966,841$113,911,147,159.88$66,136$26,423.57+$119502.90MUNAM
6$2,562,267,139,226$2,434,398,964,706.24$137,257$66,491.44+$2562267.00MUNAM
7$51,522,962,512,220$48,781,336,673,248.19$341,734$194,868.54+$51522962.17MUNAM
8$971,869,901,477,056$916,740,331,588,980.50$1,050,788$685,133.02+$971869900.43MUNAM
9$17,200,961,683,505,388$16,161,060,888,924,940.00$4,099,314$2,974,971.01+$17200961679.41MUNAM
10$285,724,556,560,082,430$267,319,527,558,731,650.00$20,775,530$16,389,263.41+$285724556539.31MUNAM

UNAM vs GBDC: Complete Analysis 2026

UNAMStock

Unico American Corporation, an insurance holding company, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington. The company offers property, casualty, health, and life insurance products, as well as insurance premium financing and membership association services. Its commercial property coverage insures against loss or damage to buildings, inventory, and equipment from natural disasters, including hurricanes, windstorms, hail, water, explosions, and severe winter weather, as well as other events, such as theft and vandalism, fires, storms, and financial loss due to business interruption resulting from covered property damage. The company also offers commercial liability coverage that insures against third party liability from accidents occurring on the insured's premises or arising out of its operation; and writes policies to insure commercial property and commercial liability risks on a mono-line basis. In addition, it provides group dental, vision, and life insurance policies. Unico American Corporation markets its insurance products primarily through a network of independent brokers and agents. The company was incorporated in 1969 and is headquartered in Calabasas, California.

Full UNAM 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.