Is VFIN or FCPT a better dividend investment in 2026?

VFIN currently yields 54.83% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: VFIN offers higher current income.

What is the dividend yield difference between VFIN and FCPT?

VFIN has a forward dividend yield of 54.83% ($2.00/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 48.78 percentage points.

Home › Compare › VFIN vs FCPT

VFIN vs FCPT: Dividend Comparison 2026

VFIN yields 54.83% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 VFIN wins by $454.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

VFIN

● Live price

54.83%

Share price

$3.65

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$504.0K

Annual income

$109,855.72

Full VFIN calculator →

FCPT

● Live price

6.05%

Share price

$23.65

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.1K

Annual income

$5,775.28

Full FCPT calculator →

Portfolio growth — VFIN vs FCPT

📍 VFIN 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	VFIN	FCPT
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, VFIN + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VFIN pays

FCPT pays

Both pay

Neither

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Tax Bracket Optimizer

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

VFIN

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

$4,660.60/yr

After 10yr DRIP, annual income (after tax)

$93,377.36/yr

FCPT

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

$514.49/yr

After 10yr DRIP, annual income (after tax)

$4,908.99/yr

At 15% tax rate, VFIN beats the other by $88,468.37/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 VFIN + FCPT for your $10,000?

VFIN: 50%FCPT: 50%

100% FCPT50/50100% VFIN

Portfolio after 10yr

$276.5K

Annual income

$57,815.50/yr

Blended yield

20.91%

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Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

VFIN

No analyst data

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+14.2% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

Piotroski

6/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VFIN buys

FCPT buys

No recent congressional trades found for VFIN or FCPT in the last 90 days.

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

MetricVFINFCPT

Forward yield	54.83% ✓	6.05%
Annual dividend / share	$2.00 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$504.0K ✓	$49.1K
Annual income after 10y	$109,855.72 ✓	$5,775.28
Total dividends collected	$410.4K ✓	$24.1K
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

Year-by-year: VFIN vs FCPT ($10,000, DRIP)

Year	VFIN Portfolio	VFIN Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$16,183	$5,483.06	$11,401	$700.92	+$4.8K → VFIN
2	$25,609	$8,292.77	$13,064	$864.84	+$12.5K → VFIN
3	$39,666	$12,264.27	$15,051	$1,072.48	+$24.6K → VFIN
4	$60,196	$17,753.52	$17,442	$1,337.22	+$42.8K → VFIN
5	$89,589	$25,179.82	$20,340	$1,677.08	+$69.2K → VFIN
6	$130,884	$35,023.48	$23,880	$2,116.57	+$107.0K → VFIN
7	$187,865	$47,819.63	$28,241	$2,689.36	+$159.6K → VFIN
8	$265,164	$64,147.99	$33,660	$3,442.07	+$231.5K → VFIN
9	$368,344	$84,618.83	$40,456	$4,439.95	+$327.9K → VFIN
10	$503,984	$109,855.72	$49,063	$5,775.28	+$454.9K → VFIN

VFIN vs FCPT: Complete Analysis 2026

VFIN — Stock

The adviser and sub-adviser seek to achieve the fund's investment objective by investing in U.S. and foreign equity securities and equity securities of companies engaging in activities that are consistent with the fund's investment theme of financial technology disruption. Under normal circumstances, the fund will invest at least 80% of its net assets (plus any borrowings for investment purposes) in domestic and foreign securities of companies that are engaged in the fund’s investment theme. It is non-diversified.

Full VFIN Calculator →

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT 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.