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ADOIF vs BTI: Dividend Comparison 2026

ADOIF yields 22.55% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADOIF wins by $47.5K in total portfolio value
10 years
ADOIF
ADOIF
● Live price
22.55%
Share price
$8.87
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$85.3K
Annual income
$8,766.27
Full ADOIF calculator →
BTI
BTI
● Live price
5.38%
Share price
$58.47
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.7K
Annual income
$2,786.64
Full BTI calculator →

Portfolio growth — ADOIF vs BTI

📍 ADOIF 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 PeriodADOIFBTI
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, ADOIF + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ADOIF pays
BTI pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

ADOIF
Annual income on $10K today (after 15% tax)
$1,916.36/yr
After 10yr DRIP, annual income (after tax)
$7,451.33/yr
BTI
Annual income on $10K today (after 15% tax)
$457.40/yr
After 10yr DRIP, annual income (after tax)
$2,368.64/yr
At 15% tax rate, ADOIF beats the other by $5,082.69/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ADOIF + BTI for your $10,000?

ADOIF: 50%BTI: 50%
100% BTI50/50100% ADOIF
Portfolio after 10yr
$61.5K
Annual income
$5,776.46/yr
Blended yield
9.40%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ADOIF
Analyst Ratings
1
Buy
Consensus: Buy
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.6% upside vs current
Range: $40.00 — $40.00
Altman Z
2.1
Piotroski
7/9
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)

ADOIF buys
0
BTI buys
0
No recent congressional trades found for ADOIF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricADOIFBTI
Forward yield22.55%5.38%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$85.3K$37.7K
Annual income after 10y$8,766.27$2,786.64
Total dividends collected$51.4K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

Year-by-year: ADOIF vs BTI ($10,000, DRIP)

YearADOIF PortfolioADOIF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$12,955$2,254.54$11,299$598.92+$1.7KADOIF
2$16,591$2,729.58$12,794$703.91+$3.8KADOIF
3$21,019$3,267.09$14,518$829.07+$6.5KADOIF
4$26,359$3,868.35$16,513$978.64+$9.8KADOIF
5$32,738$4,533.70$18,827$1,157.84+$13.9KADOIF
6$40,292$5,262.47$21,518$1,373.12+$18.8KADOIF
7$49,166$6,053.05$24,657$1,632.46+$24.5KADOIF
8$59,510$6,902.90$28,329$1,945.74+$31.2KADOIF
9$71,484$7,808.68$32,637$2,325.33+$38.8KADOIF
10$85,255$8,766.27$37,708$2,786.64+$47.5KADOIF

ADOIF vs BTI: Complete Analysis 2026

ADOIFStock

Adocia SA, a clinical-stage biotechnology company, researches and develops formulations of pre-approved therapeutic proteins and peptides for the treatment of diabetes and other metabolic diseases. Its proprietary BioChaperone technological platform is designed and developed to optimize the performance of therapeutic proteins. The company's clinical product pipeline includes insulin formulations, such as BioChaperone Lispro U100 and U200, which are ultra-rapid formulations based on rapid insulin lispro; BioChaperone Combo, a combination of acting insulin glargine and rapid-acting insulin lispro; BioChaperone LisPram, a combination of prandial insulin with pramlintide; and BioChaperone Glucagon, an aqueous formulation of human glucagon for the treatment of hypoglycemia, as well as M1Pram, a metabolite of insulin glargine and pramlintide. Its preclinical pipeline includes bi-hormonal products, which include BioChaperone AsPram, which is a combination of rapid insulin aspart with pramlintide; and BioChaperone Glargine Liraglutidea, which is a fixed combination of insulin glargine with an analogue of the GLP-1 receptor. In addition, the company's preclinical pipeline includes multihormonal products for the treatment of obesity, including BioChaperone GluExe, which is a combination of glucagon and exenatide; PramExe, which is a combination of pramlintide and exenatide; and BioChaperone PramGluExe, which is a triple combination of pramlintide, glucagon and exenatide. It has a strategic alliance with Tonghua Dongbao Pharmaceutical Co., Ltd. to develop and commercialize BioChaperone Lispro and BioChaperone Combo in China and other Asian and Middle Eastern territories. The company was incorporated in 2005 and is headquartered in Lyon, France.

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BTIConsumer Staples

British American Tobacco p.l.c. provides tobacco and nicotine products to consumers in the Americas, Europe, the Asia-Pacific, the Middle East, Africa, and the United States. It offers vapour, heated, and modern oral nicotine products; combustible cigarettes; and traditional oral products, such as snus and moist snuff. The company provides its products under the Vuse, glo, Velo, Grizzly, Kodiak, Dunhill, Kent, Lucky Strike, Pall Mall, Rothmans, Newport, Natural American Spirit, and Camel brands. The company distributes its products to retail outlets. British American Tobacco p.l.c. was founded in 1902 and is based in London, the United Kingdom.

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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.