Is XSHLF or QYLD a better dividend investment in 2026?

XSHLF currently yields 5783.69% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: XSHLF offers higher current income.

What is the dividend yield difference between XSHLF and QYLD?

XSHLF has a forward dividend yield of 5783.69% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 5771.77 percentage points.

Home › Compare › XSHLF vs QYLD

XSHLF vs QYLD: Dividend Comparison 2026

XSHLF yields 5783.69% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 XSHLF wins by $256651542897856.53M in total portfolio value

INVESTMENT

TIME HORIZON10 years

XSHLF

● Live price

5783.69%

Share price

$0.03

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$256651542897856.56M

Annual income

$248,209,432,037,607,870,000.00

Full XSHLF calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — XSHLF vs QYLD

📍 XSHLF 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	XSHLF	QYLD
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, XSHLF + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

XSHLF pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

XSHLF

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

$491,613.65/yr

After 10yr DRIP, annual income (after tax)

$210,978,017,231,966,670,000.00/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, XSHLF beats the other by $210,978,017,231,966,670,000.00/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

XSHLF: 50%QYLD: 50%

100% QYLD50/50100% XSHLF

Portfolio after 10yr

$128325771448928.31M

Annual income

$124,104,716,018,803,930,000.00/yr

Blended yield

96.71%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

XSHLF buys

QYLD buys

No recent congressional trades found for XSHLF or QYLD in the last 90 days.

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

MetricXSHLFQYLD

Forward yield	5783.69% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$256651542897856.56M ✓	$25.4K
Annual income after 10y	$248,209,432,037,607,870,000.00 ✓	$5,659.31
Total dividends collected	$256082913843471.75M ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	XSHLF Portfolio	XSHLF Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$589,069	$578,369.00	$10,352	$1,192.36	+$578.7K → XSHLF
2	$32,471,355	$31,841,051.19	$10,830	$1,347.57	+$32.46M → XSHLF
3	$1,675,099,413	$1,640,355,062.91	$11,460	$1,539.07	+$1675.09M → XSHLF
4	$80,877,382,065	$79,085,025,693.45	$12,275	$1,777.84	+$80877.37M → XSHLF
5	$3,655,131,484,780	$3,568,592,685,970.61	$13,323	$2,078.95	+$3655131.47M → XSHLF
6	$154,637,319,945,162	$150,726,329,256,447.40	$14,667	$2,463.34	+$154637319.93M → XSHLF
7	$6,125,055,666,134,556	$5,959,593,733,793,231.00	$16,396	$2,960.57	+$6125055666.12M → XSHLF
8	$227,165,540,916,959,840	$220,611,731,354,195,840.00	$18,631	$3,612.97	+$227165540916.94M → XSHLF
9	$7,889,823,233,877,291,000	$7,646,756,105,096,145,000.00	$21,548	$4,482.15	+$7889823233877.27M → XSHLF
10	$256,651,542,897,856,580,000	$248,209,432,037,607,870,000.00	$25,398	$5,659.31	+$256651542897856.53M → XSHLF

XSHLF vs QYLD: Complete Analysis 2026

XSHLF — Stock

XS Financial Inc., a specialty finance company, provides equipment leasing solutions in the United States. It offers equipment-specific leasing, sale-leasebacks, and purchasing solutions. The company provides equipment procurement services. It serves owner/operators of cannabis and hemp companies, including cultivators, oil processors, manufacturers, and testing laboratories. The company was formerly known as Xtraction Services Holdings Corp. and changed its name to XS Financial Inc. in June 2020. XS Financial Inc. was incorporated in 2009 and is based in Los Angeles, California.

Full XSHLF Calculator →

QYLD — ETF

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 →

📬

Get this XSHLF vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

XSHLF vs SCHD XSHLF vs JEPI XSHLF vs O XSHLF vs KO XSHLF vs MAIN XSHLF vs XYLD XSHLF vs JEPQ XSHLF vs RYLD

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