MSTY vs XOM: Dividend Comparison
Dividend data as of
Yieldmax MSTR Option Income Strategy ETF (MSTY) from N/A and Exxon Mobil Corp (XOM) from Energy offer different dividend profiles for income-focused portfolios. MSTY offers a significantly higher 285.70% yield compared to XOM's 2.64%, a gap of 283.06%. For dividend growth, XOM leads with a 5-year CAGR of 11.2% versus MSTY's -72.8%. XOM is a Dividend Aristocrat with 42 years of consecutive increases.
Verdict
Yield Analysis
MSTY yields 283.06% more than XOM. In dollar terms, MSTY pays $78.13/share vs XOM's $4.00/share annually.
Dividend Growth
MSTY: Dividend growth has been steady, with a 3-year CAGR of -72.8% and a 5-year CAGR of -72.8% (10-year: -72.8%).
XOM: Dividend growth is slowing — the 3-year CAGR of 4.3% trails the 5-year rate of 11.2% and the 10-year rate of 6.6%.
Dividend Safety
XOM: The payout ratio of 60% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 1.7x.
Estimated Annual Dividend Income
Based on current dividend yields. Actual income may vary.
What does $10,000 buy in MSTY vs XOM today?
At $24.09 per share, $10,000 buys about 415.2 shares of Yieldmax MSTR Option Income Strategy ETF (MSTY). Each share pays $78.13 per year in dividends, so the position starts out generating roughly $32,438 per year — about $2,703 a month.
At $148.59 per share, $10,000 buys about 67.3 shares of Exxon Mobil Corp (XOM). Each share pays $4.00 per year in dividends, so the position starts out generating roughly $269 per year — about $22 a month.
MSTY is the larger income stream from day one: $32,169 per year more on the same $10,000 invested.
What could $10,000 of MSTY or XOM income look like in 10 years?
Yieldmax MSTR Option Income Strategy ETF (MSTY)'s dividend has shrunk about 72.8% a year over the past five years. If that trend continued, today's $28,570 per year on $10,000 (at the current 285.70% yield) would fall to $0 per year by 2036.
Exxon Mobil Corp (XOM) has raised its dividend about 11.2% a year over the past five years. If that pace held, the $264 per year that $10,000 generates today at the current 2.64% yield would reach $760 per year by 2036 — a 7.6% yield on the original cost.
On those trailing rates, XOM pays more in 2036: $760 versus $0 per year. The projection assumes each five-year growth rate persists and no dividends are reinvested — real payouts will differ.
When would XOM's dividend growth overtake MSTY's higher yield?
Exxon Mobil Corp (XOM) yields less today (2.64% vs 285.70%) but has grown its dividend faster — 11.2% vs -72.8% a year over the past five years. If both trends continued, a $10,000 position in XOM would start out-earning the same position in MSTY around 2030 (roughly 4 years from now), paying about $403 per year at the crossover. Before that point, MSTY pays more each year; after it, the gap compounds in XOM's favor.
Why is there no payout ratio for MSTY?
REWD has neither an earnings-per-share figure nor a payout ratio for Yieldmax MSTR Option Income Strategy ETF (MSTY) — typical for ETFs and covered-call funds, whose distributions are funded by the underlying portfolio (stock dividends, option premium, or return of capital) rather than a single company's earnings. For a fund, judge sustainability by the distribution history and the strategy behind it, not a payout ratio.
Exxon Mobil Corp (XOM) earns $6.70 per share against $4.00 paid out in dividends — 1.7x coverage (a 60% payout ratio). That's the usual corporate affordability test — it just doesn't translate to the fund side of this comparison.
Which fits an early-retirement income portfolio better, MSTY or XOM?
For income you need right now, Yieldmax MSTR Option Income Strategy ETF (MSTY) leads: $100,000 invested today pays about $23,808 a month at the current 285.70% yield, versus $220 a month from Exxon Mobil Corp (XOM) at 2.64%.
With a decade or more before the income is needed, XOM's faster dividend growth (11.2% vs -72.8% a year) matters more than the starting yield — raises compound into the larger paycheck over time.
On consistency: XOM has raised its dividend 42 consecutive years.
Many income investors simply hold both — the mix pairs current yield with growth and spreads single-name risk. Whichever way you lean, dividends are never guaranteed; recheck the payout each quarter rather than setting and forgetting.
$10,000 with DRIP: projected annual income
If each holding keeps raising its dividend at its real 5-year rate and every payment is reinvested, a $10,000 position pays $45,636/yr in MSTY vs $986/yr in XOM by year 10.
Assumes dividends are reinvested at the current yield and grow at each holding's trailing 5-year dividend CAGR. A projection, not a prediction — no price appreciation modeled.
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