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XBI vs RYLD: Dividend Comparison 2026

XBI yields 0.34% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $24.4K in total portfolio value
10 years
XBI
XBI
● Live price
0.34%
Share price
$127.73
Annual div
$0.44
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$35.27
Full XBI calculator →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — XBI vs RYLD

📍 RYLD 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 PeriodXBIRYLD
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, XBI + RYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XBI
Annual income on $10K today (after 15% tax)
$29.31/yr
After 10yr DRIP, annual income (after tax)
$29.98/yr
RYLD
Annual income on $10K today (after 15% tax)
$1,031.60/yr
After 10yr DRIP, annual income (after tax)
$2,199.25/yr
At 15% tax rate, RYLD beats the other by $2,169.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of XBI + RYLD for your $10,000?

XBI: 50%RYLD: 50%
100% RYLD50/50100% XBI
Portfolio after 10yr
$32.3K
Annual income
$1,311.31/yr
Blended yield
4.05%
📊

Analyst Conviction Gap

Where Wall Street is split right now

XBI
Analyst Ratings
1
Hold
Consensus: Hold
RYLD
No analyst data
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)

XBI buys
0
RYLD buys
0
No recent congressional trades found for XBI or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXBIRYLD
Forward yield0.34%12.14%
Annual dividend / share$0.44$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.2K$44.5K
Annual income after 10y$35.27$2,587.35
Total dividends collected$349.00$18.8K
Payment frequencyquarterlyquarterly
SectorETFETF

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

YearXBI PortfolioXBI Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,734$34.49$11,914$1,213.65$1.2KRYLD
2$11,521$34.60$14,099$1,351.30$2.6KRYLD
3$12,362$34.70$16,580$1,494.55$4.2KRYLD
4$13,262$34.80$19,384$1,642.61$6.1KRYLD
5$14,225$34.89$22,535$1,794.70$8.3KRYLD
6$15,256$34.98$26,063$1,950.00$10.8KRYLD
7$16,359$35.06$29,995$2,107.69$13.6KRYLD
8$17,539$35.13$34,361$2,266.99$16.8KRYLD
9$18,802$35.20$39,194$2,427.12$20.4KRYLD
10$20,153$35.27$44,525$2,587.35$24.4KRYLD

XBI vs RYLD: Complete Analysis 2026

XBIETF

The State Street SPDR S&P Biotech ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P Biotechnology Select Industry Index (the "Index")Seeks to provide exposure to the Biotechnology segment of the S&P TMI, which comprises the following sub-industries: BiotechnologySeeks to track a modified equal weighted index which provides the potential for unconcentrated industry exposure across large, mid and small cap stocksAllows investors to take strategic or tactical positions at a more targeted level than traditional sector based investing

Full XBI Calculator →

RYLDETF

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.