HomeCompareXLY vs QYLD

XLY vs QYLD: Dividend Comparison 2026

XLY yields 0.82% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $4.6K in total portfolio value· pulled ahead in Year 8
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 →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — XLY vs QYLD

📍 QYLD pulled ahead of the other in Year 8

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 PeriodXLYQYLD
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 + QYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XLY pays
QYLD 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
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 $4,737.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XLY: 50%QYLD: 50%
100% QYLD50/50100% XLY
Portfolio after 10yr
$23.1K
Annual income
$2,872.84/yr
Blended yield
12.43%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on XLY right now

XLY
Analyst Ratings
1
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XLY buys
0
QYLD buys
1
PoliticianChamberTickerTypeAmountDate
Tim Moore🏢 House$QYLD▼ Sell$15,001 - $50,0002025-05-02
Tim Moore🏢 House$QYLD▲ Buy$15,001 - $50,0002025-04-07
Dwight Evans🏢 House$QYLD▼ Sell$1,001 - $15,0002022-11-14
Dwight Evans🏢 House$QYLD▼ Sell$1,001 - $15,0002020-10-29
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXLYQYLD
Forward yield0.82%11.92%
Annual dividend / share$0.89$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$20.8K$25.4K
Annual income after 10y$86.37$5,659.31
Total dividends collected$843.00$27.1K
Payment frequencyquarterlymonthly
SectorETFETF

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

YearXLY PortfolioXLY Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,782$81.89$10,352$1,192.36+$430.00XLY
2$11,619$82.52$10,830$1,347.57+$789.00XLY
3$12,516$83.11$11,460$1,539.07+$1.1KXLY
4$13,475$83.67$12,275$1,777.84+$1.2KXLY
5$14,503$84.19$13,323$2,078.95+$1.2KXLY
6$15,603$84.68$14,667$2,463.34+$936.00XLY
7$16,780$85.14$16,396$2,960.57+$384.00XLY
8← crossover$18,040$85.58$18,631$3,612.97$591.00QYLD
9$19,389$85.99$21,548$4,482.15$2.2KQYLD
10$20,833$86.37$25,398$5,659.31$4.6KQYLD

XLY vs QYLD: 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 →

QYLDETF

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.