HomeCompareUTGPF vs HTGC

UTGPF vs HTGC: Dividend Comparison 2026

UTGPF yields 8.29% · HTGC yields 12.73%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $683.7K 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 →
HTGC
Hercules Capital Inc.
● Live price
12.73%
Share price
$14.77
Annual div
$1.88
5Y div CAGR
32.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$718.3K
Annual income
$326,530.50
Full HTGC calculator →

Portfolio growth — UTGPF vs HTGC

📍 HTGC 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 PeriodUTGPFHTGC
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 + HTGC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UTGPF pays
HTGC 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
HTGC
Annual income on $10K today (after 15% tax)
$1,081.92/yr
After 10yr DRIP, annual income (after tax)
$277,550.93/yr
At 15% tax rate, HTGC beats the other by $276,361.15/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UTGPF: 50%HTGC: 50%
100% HTGC50/50100% UTGPF
Portfolio after 10yr
$376.5K
Annual income
$163,965.12/yr
Blended yield
43.56%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTGC right now

UTGPF
Analyst Ratings
3
Buy
Consensus: Buy
Altman Z
1.6
Piotroski
5/9
HTGC
Analyst Ratings
17
Buy
12
Hold
1
Sell
Consensus: Buy
Price Target
$18.81
+27.4% upside vs current
Range: $17.50 — $19.75
Altman Z
1.1
Piotroski
5/9
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
HTGC buys
17
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$HTGC▼ Sell$50,001 - $100,0002026-01-12
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002025-11-19
Virginia Foxx🏢 House$HTGC▼ Sell$15,001 - $50,0002025-09-25
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002025-08-19
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002025-05-20
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002025-03-05
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002024-11-20
Virginia Foxx🏢 House$HTGC▲ Buy$15,001 - $50,0002024-10-23
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002024-08-20
Virginia Foxx🏢 House$HTGC▲ Buy$1,001 - $15,0002024-05-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUTGPFHTGC
Forward yield8.29%12.73%
Annual dividend / share$0.51$1.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%32.5%
Portfolio after 10y$34.6K$718.3K
Annual income after 10y$1,399.74$326,530.50
Total dividends collected$11.2K$623.4K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusBuyBuy

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

YearUTGPF PortfolioUTGPF Income/yrHTGC PortfolioHTGC Income/yrGap
1← crossover$11,529$828.85$12,667$1,686.53$1.1KHTGC
2$13,229$893.06$16,486$2,577.89$3.3KHTGC
3$15,113$957.71$22,150$4,048.82$7.0KHTGC
4$17,193$1,022.51$30,886$6,564.64$13.7KHTGC
5$19,484$1,087.16$44,958$11,045.93$25.5KHTGC
6$21,999$1,151.41$68,767$19,403.05$46.8KHTGC
7$24,754$1,215.00$111,321$35,814.23$86.6KHTGC
8$27,764$1,277.72$192,192$69,962.21$164.4KHTGC
9$31,047$1,339.36$356,787$145,759.66$325.7KHTGC
10$34,620$1,399.74$718,282$326,530.50$683.7KHTGC

UTGPF vs HTGC: 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.

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HTGCBDC

Hercules Capital, Inc. is a business development company. The firm specializing in providing venture debt, debt, senior secured loans, and growth capital to privately held venture capital-backed companies at all stages of development from startups, to expansion stage including select publicly listed companies and select special opportunity lower middle market companies that require additional capital to fund acquisitions, recapitalizations and refinancing and established-stage companies. The firm provides growth capital financing solutions for capital extension; management buy-out and corporate spin-out financing solutions; company, asset specific, or intellectual property acquisition financing; convertible, subordinated and/or mezzanine loans; domestic and international corporate expansion; vendor financing; revenue acceleration by sales and marketing development, and manufacturing expansion. It provides asset-based financing with a focus on cash flow; accounts receivable facilities; equipment loans or leases; equipment acquisition; facilities build-out and/or expansion; working capital revolving lines of credit; inventory. The firm also provides bridge financing to IPO or mergers and acquisitions or technology acquisition; dividend recapitalizations and other sources of investor liquidity; cash flow financing to protect against share price volatility; competitor acquisition; pre-IPO financing for extra cash on the balance sheet; public company financing to continue asset growth and production capacity; short-term bridge financing; and strategic and intellectual property acquisition financings. It also focuses on customized financing solutions, emerging growth, mid venture, and late venture financing. The firm invests primarily in structured debt with warrants and, to a lesser extent, in senior debt and equity investments. The firm generally seeks to invest in companies that have been operating for at least six to 12 months prior to the date of their investment. It prefers to invest in technology, energy technology, sustainable and renewable technology, and life sciences. Within technology the firm focuses on advanced specialty materials and chemicals; communication and networking, consumer and business products; consumer products and services, digital media and consumer internet; electronics and computer hardware; enterprise software and services; gaming; healthcare services; information services; business services; media, content and information; mobile; resource management; security software; semiconductors; semiconductors and hardware; and software sector. Within energy technology, it invests in agriculture; clean technology; energy and renewable technology, fuels and power technology; geothermal; smart grid and energy efficiency and monitoring technologies; solar; and wind. Within life sciences, the firm invests in biopharmaceuticals; biotechnology tools; diagnostics; drug discovery, development and delivery; medical devices and equipment; surgical devices; therapeutics; pharma services; and specialty pharmaceuticals. It also invests in educational services. The firm invests primarily in United States based companies and considers investment in the West Coast, Mid-Atlantic regions, Southeast and Midwest; particularly in the areas of software, biotech and information services. The firm prefers to invest between $10 million to $250 million in equity per transactions. It invests generally between $1 million to $40 million in companies focused primarily on business services, communications, electronics, hardware, and healthcare services. The firm invests primarily in private companies but also have investments in public companies. For equity investments, the firm seeks to represent a controlling interest in its portfolio companies which may exceed 25% of the voting securities of such companies. The firm seeks to invest a limited portion of its assets in equipment-based loans to early-stage prospective portfolio companies. These loans are generally for amounts up to $3 million but may be up to $15 million for certain energy technology venture investments. The firm allows certain debt investments have the right to convert a portion of the debt investment into equity. It also co-invests with other private equity firms. The firm seeks to exit its investments through initial public offering, a private sale of equity interest to a third party, a merger or an acquisition of the company or a purchase of the equity position by the company or one of its stockholders. The firm has structured debt with warrants which typically have maturities of between two and seven years with an average of three years; senior debt with an investment horizon of less than three years; equipment loans with an investment horizon ranging from three to four years; and equity related securities with an investment horizon ranging from three to seven years. The firm prefers to invest through its balance sheet capital. The firm formerly known as Hercules Technology Growth Capital, Inc. Hercules Capital, Inc. was founded in December 2003 and is based in Palo Alto, California with additional offices in Connecticut; Boston, Massachusetts; San Diego, California; Westport, Connecticut; Elmhurst, Illinois; Santa Monica, California; McLean, Virginia; New York, New York; Radnor, Pennsylvania; and Washington, District of Columbia and London, United Kingdom.

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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.