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UTGPF vs ARCC: Dividend Comparison 2026

UTGPF yields 8.29% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UTGPF wins by $10.1K in total portfolio value
10 years
UTGPF
UTGPF
● Live price
8.29%
Share price
$6.10
Annual div
$0.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.6K
Annual income
$1,399.74
Full UTGPF calculator →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — UTGPF vs ARCC

📍 UTGPF 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 PeriodUTGPFARCC
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, UTGPF + ARCC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UTGPF
Annual income on $10K today (after 15% tax)
$704.52/yr
After 10yr DRIP, annual income (after tax)
$1,189.78/yr
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, UTGPF beats the other by $1,188.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UTGPF + ARCC for your $10,000?

UTGPF: 50%ARCC: 50%
100% ARCC50/50100% UTGPF
Portfolio after 10yr
$29.6K
Annual income
$700.44/yr
Blended yield
2.37%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

UTGPF
Analyst Ratings
3
Buy
Consensus: Buy
Altman Z
1.6
Piotroski
5/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

UTGPF buys
0
ARCC buys
0
No recent congressional trades found for UTGPF or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUTGPFARCC
Forward yield8.29%10.65%
Annual dividend / share$0.51$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%-50%
Portfolio after 10y$34.6K$24.5K
Annual income after 10y$1,399.74$1.14
Total dividends collected$11.2K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy

Year-by-year: UTGPF vs ARCC ($10,000, DRIP)

YearUTGPF PortfolioUTGPF Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$11,529$828.85$11,373$532.74+$156.00UTGPF
2$13,229$893.06$12,608$279.46+$621.00UTGPF
3$15,113$957.71$13,809$142.90+$1.3KUTGPF
4$17,193$1,022.51$15,042$72.20+$2.2KUTGPF
5$19,484$1,087.16$16,341$36.27+$3.1KUTGPF
6$21,999$1,151.41$17,732$18.18+$4.3KUTGPF
7$24,754$1,215.00$19,231$9.10+$5.5KUTGPF
8$27,764$1,277.72$20,851$4.55+$6.9KUTGPF
9$31,047$1,339.36$22,605$2.28+$8.4KUTGPF
10$34,620$1,399.74$24,504$1.14+$10.1KUTGPF

UTGPF vs ARCC: Complete Analysis 2026

UTGPFStock

Unite Students is the UK's largest owner, manager and developer of purpose-built student accommodation serving the country's world-leading Higher Education sector. Following our successful £1.4bn acquisition of Liberty Living's UK assets in November 2019, we now provide homes to 76,000 students across 177 properties in 27 leading university towns and cities. Our people are driven by a common purpose: to provide a 'Home for Success' for the students who live with us and to be the most trusted brand in the sector. We do this through quality service, quality people and quality properties, all designed on the basis of an excellent insight into students' needs and preferences. Unite's accommodation is high quality, affordable, safe and secure, and located where students want to live. Students live predominantly in en-suite study bedrooms with rents covering all bills, insurance, 24-hour security and high-speed Wi-Fi. MyUnite, our mobile app, provides practical support such as instant messaging and maintenance requests. We hold a five-star British Safety Council audit rating (out of five) following an Occupational Health and Safety audit. The audit measured our performance against a number of key safety management indicators, providing an international benchmark for safety management systems and indicating best practice for continual improvement. Our commitment to customer service is powered by an innovative, in-house operating platform. It provides a wide range of benefits to our students, such as an optimised online booking process, as well as providing us with a unique ability to drive value from our portfolio through scale efficiencies and revenue management. Our other strategic priority is delivering growing and sustainable earnings, underpinned by a strong capital structure. A key part of this strategy is growing the number of beds let through partnerships with the strongest UK universities which are experiencing record levels of student demand. We currently partner with 60 universities across the UK, guaranteeing that 52% of our rooms are let under 'nomination agreements' providing high visibility of forward occupancy and rental growth. Unite Students has spent years helping young people thrive in new situations and help them manage the big 'Leap' to university life. Our insight has identified a significant gap between student expectations and reality. To support this leap, we have developed the Leapskills programme, helping to prepare prospective students for independent living. The programme introduces students to a number of student life scenarios to provoke group discussion on conflict resolution, problem solving and gives a general insight into shared living to help closer match expectations to reality. Unite is the founder of and major donor to the Unite Foundation, a charitable trust established to support talented students facing challenging financial circumstances through the provision of free accommodation scholarships. The Foundation has so far provided scholarships for 434 young people working in close collaboration with 27 partner universities. Unite is invested in and operates two specialist funds and joint ventures with institutional investment partners: the £3 billion Unite UK Student Accommodation Fund (USAF), and the £1 billion London Student Accommodation Vehicle (LSAV). Founded in 1991 in Bristol, Unite Group is an award-winning Real Estate Investment Trust (REIT), listed on the London Stock Exchange and a member of the FTSE 250 Index.

Full UTGPF Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.