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AOREF vs FCPT: Dividend Comparison 2026

AOREF yields 0.16% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $29.4K in total portfolio value
10 years
AOREF
AOREF
● Live price
0.16%
Share price
$1,226.00
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.7K
Annual income
$0.02
Full AOREF calculator →
FCPT
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 — AOREF 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 PeriodAOREFFCPT
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, AOREF + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
AOREF pays
FCPT pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

AOREF
Annual income on $10K today (after 15% tax)
$13.87/yr
After 10yr DRIP, annual income (after tax)
$0.02/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 $4,908.97/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

AOREF: 50%FCPT: 50%
100% FCPT50/50100% AOREF
Portfolio after 10yr
$34.4K
Annual income
$2,887.65/yr
Blended yield
8.40%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

AOREF
No analyst data
Altman Z
0.9
Piotroski
7/9
FCPT
Analyst Ratings
5
Buy
10
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)

AOREF buys
0
FCPT buys
0
No recent congressional trades found for AOREF or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAOREFFCPT
Forward yield0.16%6.05% ✓
Annual dividend / share$2.00 ✓$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%15.8% ✓
Portfolio after 10y$19.7K$49.1K ✓
Annual income after 10y$0.02$5,775.28 ✓
Total dividends collected$16.00$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearAOREF PortfolioAOREF Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$10,708$8.16$11,401$700.92$693.00 → FCPT
2$11,462$4.08$13,064$864.84$1.6K → FCPT
3$12,266$2.04$15,051$1,072.48$2.8K → FCPT
4$13,126$1.02$17,442$1,337.22$4.3K → FCPT
5$14,045$0.51$20,340$1,677.08$6.3K → FCPT
6$15,029$0.26$23,880$2,116.57$8.9K → FCPT
7$16,081$0.13$28,241$2,689.36$12.2K → FCPT
8$17,206$0.06$33,660$3,442.07$16.5K → FCPT
9$18,411$0.03$40,456$4,439.95$22.0K → FCPT
10$19,700$0.02$49,063$5,775.28$29.4K → FCPT

AOREF vs FCPT: Complete Analysis 2026

AOREF — Stock

American Overseas Group Limited, through its subsidiaries, provides property/casualty insurance and reinsurance products and services in Bermuda, Barbados, and the United States. It offers non-standard auto insurance products through specialty managing general agents and management services. The company was formerly known as RAM Holdings Ltd. and changed its name to American Overseas Group Limited in December 2011. American Overseas Group Limited was incorporated in 1998 and is based in Hamilton, Bermuda.

Full AOREF 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 →
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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.