HomeCompareXLY vs MCD

XLY vs MCD: Dividend Comparison 2026

XLY yields 0.82% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $57.7K in total portfolio value
10 years
XLY
XLY
● Live price
0.82%
Share price
$108.98
Annual div
$0.89
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.8K
Annual income
$86.37
Full XLY calculator →
MCD
McDonald's Corporation
● Live price
2.35%
Share price
$308.53
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.5K
Annual income
$26,227.70
Full MCD calculator →

Portfolio growth — XLY vs MCD

📍 MCD 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 PeriodXLYMCD
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, XLY + MCD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XLY
Annual income on $10K today (after 15% tax)
$69.61/yr
After 10yr DRIP, annual income (after tax)
$73.41/yr
MCD
Annual income on $10K today (after 15% tax)
$200.01/yr
After 10yr DRIP, annual income (after tax)
$22,293.55/yr
At 15% tax rate, MCD beats the other by $22,220.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of XLY + MCD for your $10,000?

XLY: 50%MCD: 50%
100% MCD50/50100% XLY
Portfolio after 10yr
$49.7K
Annual income
$13,157.03/yr
Blended yield
26.48%
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Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

XLY
Analyst Ratings
1
Buy
Consensus: Buy
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+14.0% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
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)

XLY buys
0
MCD buys
0
No recent congressional trades found for XLY or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXLYMCD
Forward yield0.82%2.35%
Annual dividend / share$0.89$7.26
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%42.3%
Portfolio after 10y$20.8K$78.5K
Annual income after 10y$86.37$26,227.70
Total dividends collected$843.00$58.5K
Payment frequencyquarterlyquarterly
SectorETFConsumer Discretionary
Analyst consensusBuyBuy

Year-by-year: XLY vs MCD ($10,000, DRIP)

YearXLY PortfolioXLY Income/yrMCD PortfolioMCD Income/yrGap
1← crossover$10,782$81.89$10,815$334.85$33.00MCD
2$11,619$82.52$11,826$491.71$207.00MCD
3$12,516$83.11$13,123$730.06$607.00MCD
4$13,475$83.67$14,853$1,100.07$1.4KMCD
5$14,503$84.19$17,257$1,690.61$2.8KMCD
6$15,603$84.68$20,752$2,667.01$5.1KMCD
7$16,780$85.14$26,103$4,354.83$9.3KMCD
8$18,040$85.58$34,794$7,437.78$16.8KMCD
9$19,389$85.99$49,926$13,461.60$30.5KMCD
10$20,833$86.37$78,550$26,227.70$57.7KMCD

XLY vs MCD: Complete Analysis 2026

XLYETF

The State Street Consumer Discretionary Select Sector SPDR ETF seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the Consumer Discretionary Select Sector Index (the "Index")The Index seeks to provide an effective representation of the consumer discretionary sector of the S&P 500 IndexSeeks to provide precise exposure to companies in specialty retail; broadline retail; hotels, restaurants and leisure; textiles, apparel and luxury goods; household durables; automobiles; automobile components; distributors; leisure products; and diversified consumer services.Allows investors to take strategic or tactical positions at a more targeted level than traditional style based investing

Full XLY Calculator →

MCDConsumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.