Is UPCHY or XYLD a better dividend investment in 2026?

UPCHY currently yields 6.03% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between UPCHY and XYLD?

UPCHY has a forward dividend yield of 6.03% ($5.88/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 4.95 percentage points.

Home › Compare › UPCHY vs XYLD

UPCHY vs XYLD: Dividend Comparison 2026

UPCHY yields 6.03% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $4.6K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

UPCHY

● Live price

6.03%

Share price

$97.51

Annual div

$5.88

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.7K

Annual income

$0.62

Full UPCHY calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — UPCHY vs XYLD

📍 XYLD pulled ahead of the other in Year 4

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	UPCHY	XYLD
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, UPCHY + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UPCHY pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

UPCHY

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

$512.25/yr

After 10yr DRIP, annual income (after tax)

$0.53/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,735.64/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UPCHY + XYLD for your $10,000?

UPCHY: 50%XYLD: 50%

100% XYLD50/50100% UPCHY

Portfolio after 10yr

$23.0K

Annual income

$1,609.82/yr

Blended yield

7.00%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on XYLD right now

UPCHY

Analyst Ratings

Sell

Consensus: Sell

Altman Z

3.3

Piotroski

7/9

XYLD

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)

UPCHY buys

XYLD buys

No recent congressional trades found for UPCHY or XYLD in the last 90 days.

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

MetricUPCHYXYLD

Forward yield	6.03%	10.98% ✓
Annual dividend / share	$5.88 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$20.7K	$25.3K ✓
Annual income after 10y	$0.62	$3,219.02 ✓
Total dividends collected	$613.00 ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	UPCHY Portfolio	UPCHY Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,001	$301.33	$10,818	$1,098.39	+$183.00 → UPCHY
2	$11,926	$154.91	$11,738	$1,222.51	+$188.00 → UPCHY
3	$12,840	$78.47	$12,774	$1,364.64	+$66.00 → UPCHY
4← crossover	$13,778	$39.48	$13,944	$1,527.86	$166.00 → XYLD
5	$14,762	$19.80	$15,270	$1,715.87	$508.00 → XYLD
6	$15,805	$9.91	$16,775	$1,933.09	$970.00 → XYLD
7	$16,917	$4.96	$18,490	$2,184.87	$1.6K → XYLD
8	$18,103	$2.48	$20,450	$2,477.63	$2.3K → XYLD
9	$19,372	$1.24	$22,697	$2,819.19	$3.3K → XYLD
10	$20,729	$0.62	$25,280	$3,219.02	$4.6K → XYLD

UPCHY vs XYLD: Complete Analysis 2026

UPCHY — Stock

Uni-President China Holdings Ltd., an investment holding company, manufactures, sells, and trades in beverages and food in the People's Republic of China. The company operates through Beverages, Food, and Others segments. It offers instant noodles, tea drinks, juices, milk tea, coffee, bottled water, and bottle can drinks. The company also engages in the wholesale of pre-packaged food and dairy products, and forage and fertilizers, as well as manufactures and sells mineral water and seasonings. In addition, it is involved in trading, leasing, real estate, catering, and management consulting, as well as human resource management related activities. The company was founded in 1992 and is headquartered in Shanghai, China. Uni-President China Holdings Ltd. is a subsidiary of Cayman President Holdings Ltd.

Full UPCHY Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →

📬

Get this UPCHY vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

UPCHY vs SCHD UPCHY vs JEPI UPCHY vs O UPCHY vs KO UPCHY vs MAIN UPCHY vs QYLD UPCHY vs JEPQ UPCHY vs RYLD

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