HomeCompareXRPC vs GBDC

XRPC vs GBDC: Dividend Comparison 2026

XRPC yields 13.99% · GBDC yields 11.85%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GBDC wins by $20.73M in total portfolio value
10 years
XRPC
XRPC
● Live price
13.99%
Share price
$14.30
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.1K
Annual income
$3,327.79
Full XRPC calculator →
GBDC
GBDC
● Live price
11.85%
Share price
$12.66
Annual div
$1.50
5Y div CAGR
51.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.78M
Annual income
$16,389,263.41
Full GBDC calculator →

Portfolio growth — XRPC vs GBDC

📍 GBDC 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 PeriodXRPCGBDC
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, XRPC + GBDC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
XRPC pays
GBDC pays
Both pay
Neither
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Tax Bracket Optimizer

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

XRPC
Annual income on $10K today (after 15% tax)
$1,188.81/yr
After 10yr DRIP, annual income (after tax)
$2,828.62/yr
GBDC
Annual income on $10K today (after 15% tax)
$1,007.11/yr
After 10yr DRIP, annual income (after tax)
$13,930,873.90/yr
At 15% tax rate, GBDC beats the other by $13,928,045.28/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of XRPC + GBDC for your $10,000?

XRPC: 50%GBDC: 50%
100% GBDC50/50100% XRPC
Portfolio after 10yr
$10.41M
Annual income
$8,196,295.60/yr
Blended yield
78.71%
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Analyst Conviction Gap

Where Wall Street is most bullish on GBDC right now

XRPC
No analyst data
GBDC
Analyst Ratings
6
Buy
5
Hold
Consensus: Buy
Price Target
$14.00
+10.6% upside vs current
Range: $13.00 — $15.00
Altman Z
0.6
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)

XRPC buys
0
GBDC buys
2
PoliticianChamberTickerTypeAmountDate
David P. Joyce🏢 House$GBDC▼ Sell$1,001 - $15,0002023-06-30
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002023-06-19
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-14
David P. Joyce🏢 House$GBDC▼ Sell$15,001 - $50,0002022-07-12
Teresa Leger Fernandez🏢 House$GBDC▼ Sell$15,001 - $50,0002021-01-20
David P. Joyce🏢 House$GBDC▲ Buy$1,001 - $15,0002020-02-25
David P. Joyce🏢 House$GBDC▲ Buy$15,001 - $50,0002019-05-30
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXRPCGBDC
Forward yield13.99%11.85%
Annual dividend / share$2.00$1.50
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%51.1%
Portfolio after 10y$50.1K$20.78M
Annual income after 10y$3,327.79$16,389,263.41
Total dividends collected$23.2K$20.36M
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: XRPC vs GBDC ($10,000, DRIP)

YearXRPC PortfolioXRPC Income/yrGBDC PortfolioGBDC Income/yrGap
1← crossover$12,099$1,398.60$12,490$1,790.28$391.00GBDC
2$14,527$1,581.41$16,522$3,157.73$2.0KGBDC
3$17,318$1,774.60$23,578$5,898.68$6.3KGBDC
4$20,508$1,977.20$37,115$11,886.75$16.6KGBDC
5$24,132$2,188.16$66,136$26,423.57$42.0KGBDC
6$28,227$2,406.36$137,257$66,491.44$109.0KGBDC
7$32,834$2,630.62$341,734$194,868.54$308.9KGBDC
8$37,992$2,859.75$1,050,788$685,133.02$1.01MGBDC
9$43,744$3,092.53$4,099,314$2,974,971.01$4.06MGBDC
10$50,134$3,327.79$20,775,530$16,389,263.41$20.73MGBDC

XRPC vs GBDC: Complete Analysis 2026

XRPCStock

XRPC seeks to provide direct exposure to the price of XRP, a decentralized digital asset designed for real-time payment and settlement via the XRP Ledger. All XRP tokens were created at launch in 2012. The calculation of the funds NAV is based on a benchmark provided by CoinDesk Indices, aggregating prices from major XRP trading platforms. XRP held by the Trust is stored at Gemini and BitGo, both private custodians insured by non-FDIC carriers. Unlike stocks or bonds, XRP ownership confers no company profits or income, and is only recorded on a decentralized ledger. The ETF advantage for investors is that they can access the market performance of XRP through their regular brokerage accounts, without needing to hold XRP directly or face related risks. The Trust does not use derivatives, loans, or leverage. The XRP Ledger uses a low-energy, consensus-based mechanism rather than mining, enabling fast, low-cost cross-border transactions.

Full XRPC Calculator →

GBDCBDC

Golub Capital BDC, Inc. (GBDC) is a business development company and operates as an externally managed closed-end non-diversified management investment company. It invests in debt and minority equity investments in middle-market companies that are, in most cases, sponsored by private equity investors. It typically invests in diversified consumer services, automobiles, healthcare technology, insurance, health care equipment and supplies, hotels, restaurants and leisure, healthcare providers and services, IT services and specialty retails. It seeks to invest in the United States. It primarily invests in first lien traditional senior debt, first lien one stop, junior debt and equity, senior secured, one stop, unitranche, second lien, subordinated and mezzanine loans of middle-market companies, and warrants.

Full GBDC 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.