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XPAY vs RYLD: Dividend Comparison 2026

XPAY yields 23.11% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XPAY wins by $60.2K in total portfolio value
10 years
XPAY
XPAY
● Live price
23.11%
Share price
$48.78
Annual div
$11.27
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$88.2K
Annual income
$9,275.22
Full XPAY calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — XPAY vs RYLD

📍 XPAY 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 PeriodXPAYRYLD
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, XPAY + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
XPAY pays
RYLD pays
Both pay
Neither
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Tax Bracket Optimizer

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

XPAY
Annual income on $10K today (after 15% tax)
$1,964.56/yr
After 10yr DRIP, annual income (after tax)
$7,883.94/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, XPAY beats the other by $7,119.63/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XPAY: 50%RYLD: 50%
100% RYLD50/50100% XPAY
Portfolio after 10yr
$58.1K
Annual income
$5,087.21/yr
Blended yield
8.75%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XPAY buys
0
RYLD buys
0
No recent congressional trades found for XPAY or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXPAYRYLD
Forward yield23.11% ✓4.00%
Annual dividend / share$11.27 ✓$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$88.2K ✓$28.0K
Annual income after 10y$9,275.22 ✓$899.19
Total dividends collected$53.9K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearXPAY PortfolioXPAY Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$13,011$2,311.25$11,120$420.00+$1.9K → XPAY
2$16,733$2,810.49$12,357$458.31+$4.4K → XPAY
3$21,282$3,377.85$13,721$499.76+$7.6K → XPAY
4$26,787$4,015.14$15,227$544.58+$11.6K → XPAY
5$33,385$4,723.11$16,885$593.02+$16.5K → XPAY
6$41,223$5,501.42$18,713$645.34+$22.5K → XPAY
7$50,457$6,348.68$20,724$701.81+$29.7K → XPAY
8$61,252$7,262.47$22,938$762.73+$38.3K → XPAY
9$73,779$8,239.39$25,372$828.41+$48.4K → XPAY
10$88,219$9,275.22$28,047$899.19+$60.2K → XPAY

XPAY vs RYLD: Complete Analysis 2026

XPAY — Stock

The Roundhill S&P 500 Target 20 Managed Distribution ETF (“XPAY”) is designed to pay monthly return of capital distributions to shareholders at an annualized rate of twenty percent, while providing exposure to the S&P 500. XPAY is an actively-managed ETF.

Full XPAY Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.