Is USRM or RYLD a better dividend investment in 2026?

USRM currently yields 2000000.00% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: USRM offers higher current income.

What is the dividend yield difference between USRM and RYLD?

USRM has a forward dividend yield of 2000000.00% ($2.00/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 1999987.61 percentage points.

Home › Compare › USRM vs RYLD

USRM vs RYLD: Dividend Comparison 2026

USRM yields 2000000.00% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 USRM wins by $4.879226400974806e+39M in total portfolio value

INVESTMENT

TIME HORIZON10 years

USRM

● Live price

2000000.00%

Share price

$0.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$4.879226400974806e+39M

Annual income

$4,878,746,539,330,970,000,000,000,000,000,000,000,000,000,000.00

Full USRM calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — USRM vs RYLD

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

Jan

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Feb

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Mar

—

Apr

—

May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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USRM 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.

USRM

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

$170,000,000.00/yr

After 10yr DRIP, annual income (after tax)

$4,146,934,558,431,324,500,000,000,000,000,000,000,000,000,000.00/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, USRM beats the other by $4,146,934,558,431,324,500,000,000,000,000,000,000,000,000,000.00/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 USRM + RYLD for your $10,000?

USRM: 50%RYLD: 50%

100% RYLD50/50100% USRM

Portfolio after 10yr

$2.439613200487403e+39M

Annual income

$2,439,373,269,665,485,000,000,000,000,000,000,000,000,000,000.00/yr

Blended yield

99.99%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USRM buys

RYLD buys

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

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

MetricUSRMRYLD

Forward yield	2000000.00% ✓	12.39%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$4.879226400974806e+39M	$45.3K ✓
Annual income after 10y	$4,878,746,539,330,970,000,000,000,000,000,000,000,000,000,000.00 ✓	$2,682.98
Total dividends collected	$4.879195005460081e+39M	$19.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	USRM Portfolio	USRM Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$200,010,700	$200,000,000.00	$11,939	$1,239.34	+$200.00M → USRM
2	$3,738,731,768,458	$3,738,517,757,009.35	$14,158	$1,382.89	+$3738731.75M → USRM
3	$65,315,062,866,930,490	$65,311,062,423,938,240.00	$16,682	$1,532.59	+$65315062866.91M → USRM
4	$1,066,400,830,062,625,000,000	$1,066,330,942,945,357,500,000.00	$19,537	$1,687.64	+$1066400830062625.00M → USRM
5	$16,272,182,796,453,826,000,000,000	$16,271,041,747,565,660,000,000,000.00	$22,752	$1,847.20	+$16272182796453826560.00M → USRM
6	$232,054,240,113,661,900,000,000,000,000	$232,036,828,878,069,680,000,000,000,000.00	$26,355	$2,010.43	+$2.3205424011366188e+23M → USRM
7	$3,092,799,066,104,688,500,000,000,000,000,000	$3,092,550,768,067,767,400,000,000,000,000,000.00	$30,376	$2,176.45	+$3.0927990661046884e+27M → USRM
8	$38,524,105,697,352,694,000,000,000,000,000,000,000	$38,520,796,402,351,967,000,000,000,000,000,000,000.00	$34,847	$2,344.43	+$3.8524105697352695e+31M → USRM
9	$448,468,826,014,798,700,000,000,000,000,000,000,000,000	$448,427,605,221,702,600,000,000,000,000,000,000,000,000.00	$39,800	$2,513.54	+$4.484688260147987e+35M → USRM
10	$4,879,226,400,974,806,000,000,000,000,000,000,000,000,000,000	$4,878,746,539,330,970,000,000,000,000,000,000,000,000,000,000.00	$45,269	$2,682.98	+$4.879226400974806e+39M → USRM

USRM vs RYLD: Complete Analysis 2026

USRM — Stock

U.S. Stem Cell, Inc., a biotechnology company, focuses on the discovery, development, and commercialization of autologous cellular therapies for the treatment of chronic and acute heart damage, and vascular and autoimmune diseases in the United States. The company's lead product candidates include MyoCell, a clinical therapy designed to populate regions of scar tissue within a patient's heart with autologous muscle cells or cells from a patient's body for enhancing cardiac function in chronic heart failure patients; and AdipoCell, a patient-derived cell therapy for the treatment of acute myocardial infarction, chronic heart ischemia, and lower limb ischemia. Its product development pipeline includes MyoCell SDF-1, an autologous muscle-derived cellular therapy for improving cardiac function in chronic heart failure patients. The company is also developing MyoCath, a deflecting tip needle injection catheter that is used to inject cells into cardiac tissue in therapeutic procedures to treat chronic heart ischemia and congestive heart failure. In addition, it provides physician and patient based regenerative medicine/cell therapy training, cell collection, and cell storage services; and cell collection and treatment kits for humans and animals, as well as operates a cell therapy clinic to provide cellular treatments for patients afflicted with neurological, autoimmune, orthopedic, and degenerative diseases. The company was formerly known as Bioheart, Inc. and changed its name to U.S. Stem Cell, Inc. in October 2015. U.S. Stem Cell, Inc. was incorporated in 1999 and is headquartered in Sunrise, Florida.

Full USRM 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.