Is XROLF or FCPT a better dividend investment in 2026?

XROLF currently yields 3.88% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between XROLF and FCPT?

XROLF has a forward dividend yield of 3.88% ($2.00/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 2.17 percentage points.

Home › Compare › XROLF vs FCPT

XROLF vs FCPT: Dividend Comparison 2026

XROLF yields 3.88% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $23.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

XROLF

● Live price

3.88%

Share price

$51.55

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.7K

Annual income

$497.76

Full XROLF calculator →

FCPT

● Live price

6.05%

Share price

$23.65

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.1K

Annual income

$5,775.28

Full FCPT calculator →

Portfolio growth — XROLF vs FCPT

📍 FCPT pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	XROLF	FCPT
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%.

📅

Dividend Calendar Overlap

Combined, XROLF + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XROLF pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

XROLF

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

$329.78/yr

After 10yr DRIP, annual income (after tax)

$423.10/yr

FCPT

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

$514.49/yr

After 10yr DRIP, annual income (after tax)

$4,908.99/yr

At 15% tax rate, FCPT beats the other by $4,485.89/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of XROLF + FCPT for your $10,000?

XROLF: 50%FCPT: 50%

100% FCPT50/50100% XROLF

Portfolio after 10yr

$37.4K

Annual income

$3,136.52/yr

Blended yield

8.39%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

XROLF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

6.0

Piotroski

6/9

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+14.2% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

Piotroski

6/9

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)

XROLF buys

FCPT buys

No recent congressional trades found for XROLF or FCPT in the last 90 days.

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

MetricXROLFFCPT

Forward yield	3.88%	6.05% ✓
Annual dividend / share	$2.00 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$25.7K	$49.1K ✓
Annual income after 10y	$497.76	$5,775.28 ✓
Total dividends collected	$4.5K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT
Analyst consensus	Buy	Hold

Year-by-year: XROLF vs FCPT ($10,000, DRIP)

Year	XROLF Portfolio	XROLF Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$11,088	$387.97	$11,401	$700.92	$313.00 → FCPT
2	$12,266	$402.04	$13,064	$864.84	$798.00 → FCPT
3	$13,540	$415.66	$15,051	$1,072.48	$1.5K → FCPT
4	$14,917	$428.83	$17,442	$1,337.22	$2.5K → FCPT
5	$16,403	$441.52	$20,340	$1,677.08	$3.9K → FCPT
6	$18,005	$453.73	$23,880	$2,116.57	$5.9K → FCPT
7	$19,731	$465.46	$28,241	$2,689.36	$8.5K → FCPT
8	$21,588	$476.71	$33,660	$3,442.07	$12.1K → FCPT
9	$23,587	$487.47	$40,456	$4,439.95	$16.9K → FCPT
10	$25,736	$497.76	$49,063	$5,775.28	$23.3K → FCPT

XROLF vs FCPT: Complete Analysis 2026

XROLF — Stock

Xero Limited, together with its subsidiaries, operates as a software as a service company in New Zealand, Australia, the United Kingdom, and internationally. The company offers Xero, an open platform that connects small businesses to a range of solutions, which helps to manage their finances. It also provides Xero mobile app; and accountant/bookkeeper tools, including Xero HQ, Xero Practice Manager, Xero Workpapers, and Xero Cashbook or Xero Ledger. Xero Limited was incorporated in 2006 and is headquartered in Wellington, New Zealand.

Full XROLF Calculator →

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT Calculator →

📬

Get this XROLF vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

XROLF vs SCHD XROLF vs JEPI XROLF vs O XROLF vs KO XROLF vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.