Is XLP or QYLD a better dividend investment in 2026?

XLP currently yields 2.65% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between XLP and QYLD?

XLP has a forward dividend yield of 2.65% ($2.18/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.27 percentage points.

Home › Compare › XLP vs QYLD

XLP vs QYLD: Dividend Comparison 2026

XLP yields 2.65% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $1.7K in total portfolio value· pulled ahead in Year 10

INVESTMENT

TIME HORIZON10 years

XLP

● Live price

2.65%

Share price

$81.98

Annual div

$2.18

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.7K

Annual income

$314.91

Full XLP calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — XLP vs QYLD

📍 QYLD pulled ahead of the other in Year 10

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	XLP	QYLD
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, XLP + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XLP pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

XLP

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

$225.56/yr

After 10yr DRIP, annual income (after tax)

$267.67/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,542.74/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 XLP + QYLD for your $10,000?

XLP: 50%QYLD: 50%

100% QYLD50/50100% XLP

Portfolio after 10yr

$24.5K

Annual income

$2,987.12/yr

Blended yield

12.18%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on XLP right now

XLP

Analyst Ratings

Buy

Consensus: Buy

QYLD

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XLP buys

QYLD buys

No recent congressional trades found for XLP or QYLD in the last 90 days.

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

MetricXLPQYLD

Forward yield	2.65%	11.92% ✓
Annual dividend / share	$2.18 ✓	$2.04
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.7K	$25.4K ✓
Annual income after 10y	$314.91	$5,659.31 ✓
Total dividends collected	$2.9K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	ETF	ETF

Year-by-year: XLP vs QYLD ($10,000, DRIP)

Year	XLP Portfolio	XLP Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,965	$265.36	$10,352	$1,192.36	+$613.00 → XLP
2	$12,005	$271.94	$10,830	$1,347.57	+$1.2K → XLP
3	$13,123	$278.25	$11,460	$1,539.07	+$1.7K → XLP
4	$14,326	$284.27	$12,275	$1,777.84	+$2.1K → XLP
5	$15,619	$290.03	$13,323	$2,078.95	+$2.3K → XLP
6	$17,008	$295.52	$14,667	$2,463.34	+$2.3K → XLP
7	$18,499	$300.74	$16,396	$2,960.57	+$2.1K → XLP
8	$20,100	$305.71	$18,631	$3,612.97	+$1.5K → XLP
9	$21,818	$310.43	$21,548	$4,482.15	+$270.00 → XLP
10← crossover	$23,660	$314.91	$25,398	$5,659.31	$1.7K → QYLD

XLP vs QYLD: Complete Analysis 2026

XLP — ETF

The State Street Consumer Staples Select Sector SPDR ETF seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the Consumer Staples Select Sector Index (the "Index")The Index seeks to provide an effective representation of the consumer staples sector of the S&P 500 IndexSeeks to provide precise exposure to companies from consumer staples distribution & retail; household products; food products; beverages; tobacco; and personal care products industries in the U.S.Allows investors to take strategic or tactical positions at a more targeted level than traditional style based investing

Full XLP Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.