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UPST vs ADC: Dividend Comparison 2026

UPST yields 4.00% · ADC yields 4.39% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 UPST wins by $4.5K in total portfolio value
10 years
UPST
UPST
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full UPST calculator →
ADC
Agree Realty Corporation
4.39%
Share price
$68.40
Annual div
$3.00
5Y div CAGR
5.2%
Payout ratio
73%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.5K
Annual income
$1,093.74
Full ADC calculator →

Portfolio growth — UPST vs ADC

Annual dividend income

MetricUPSTADC
Forward yield4.00%4.39%
Annual dividend / share$2.00$3.00
Payout ratio50%73%
1-year div growth5%2.8%
5-year div CAGR5%5.2%
Portfolio after 10y$28.0K$23.5K
Annual income after 10y$899.19$1,093.74
Total dividends collected$6.4K$7.4K
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: UPST vs ADC ($10,000, DRIP)

YearUPST PortfolioUPST Income/yrADC PortfolioADC Income/yrGap
1$11,120$420.00$10,871$461.40+$249.00UPST
2$12,357$458.31$11,824$506.91+$533.00UPST
3$13,721$499.76$12,866$557.16+$855.00UPST
4$15,227$544.58$14,006$612.66+$1.2KUPST
5$16,885$593.02$15,254$674.00+$1.6KUPST
6$18,713$645.34$16,622$741.82+$2.1KUPST
7$20,724$701.81$18,120$816.86+$2.6KUPST
8$22,938$762.73$19,763$899.90+$3.2KUPST
9$25,372$828.41$21,565$991.86+$3.8KUPST
10$28,047$899.19$23,543$1,093.74+$4.5KUPST

UPST vs ADC: Complete Analysis 2026

UPSTStock

UPST is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in UPST shares.

Full UPST Calculator →

ADCREIT

Agree Realty is a net-lease REIT focused on high-quality retail tenants including Walmart, Home Depot, and Tractor Supply. Its monthly dividend and focus on investment-grade tenants make it a conservative REIT alternative to Realty Income. Conservative leverage and disciplined acquisition strategy set it apart.

Full ADC Calculator →

Frequently Asked Questions

Is UPST or ADC better for dividend income in 2026?
UPST currently offers a 4.00% yield (2.00/share/year) while ADC offers 4.39% (3.00/share/year). ADC provides higher current income. However, ADC has grown its dividend faster (5.2% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in UPST vs ADC earn per year?
With $10,000 invested today: UPST pays approximately $400/year. ADC pays approximately $439/year. With DRIP reinvestment over 10 years, these grow to $899/year (UPST) and $1,094/year (ADC).
Does UPST or ADC pay monthly dividends?
UPST pays quarterly dividends. ADC pays monthly dividends. ADC pays monthly, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.