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AOZOY vs BTI: Dividend Comparison 2026

AOZOY yields 2.16% · BTI yields 5.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AOZOY wins by $71.8K in total portfolio value· pulled ahead in Year 5
10 years
AOZOY
AOZOY
● Live price
2.16%
Share price
$4.31
Annual div
$0.09
5Y div CAGR
48.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$109.8K
Annual income
$40,308.71
Full AOZOY calculator →
BTI
BTI
● Live price
5.44%
Share price
$57.89
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.9K
Annual income
$2,830.27
Full BTI calculator →

Portfolio growth — AOZOY vs BTI

📍 AOZOY pulled ahead of the other in Year 5

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 PeriodAOZOYBTI
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, AOZOY + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

AOZOY
Annual income on $10K today (after 15% tax)
$183.50/yr
After 10yr DRIP, annual income (after tax)
$34,262.40/yr
BTI
Annual income on $10K today (after 15% tax)
$461.98/yr
After 10yr DRIP, annual income (after tax)
$2,405.73/yr
At 15% tax rate, AOZOY beats the other by $31,856.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

AOZOY: 50%BTI: 50%
100% BTI50/50100% AOZOY
Portfolio after 10yr
$73.9K
Annual income
$21,569.48/yr
Blended yield
29.20%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

AOZOY
No analyst data
Altman Z
0.3
Piotroski
5/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-30.9% 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)

AOZOY buys
0
BTI buys
0
No recent congressional trades found for AOZOY or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAOZOYBTI
Forward yield2.16%5.44%
Annual dividend / share$0.09$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR48.7%11.3%
Portfolio after 10y$109.8K$37.9K
Annual income after 10y$40,308.71$2,830.27
Total dividends collected$82.7K$14.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearAOZOY PortfolioAOZOY Income/yrBTI PortfolioBTI Income/yrGap
1$11,021$321.02$11,305$604.92$284.00BTI
2$12,284$491.68$12,808$711.34$524.00BTI
3$13,906$761.62$14,542$838.28$636.00BTI
4$16,077$1,198.15$16,550$990.08$473.00BTI
5← crossover$19,128$1,925.11$18,881$1,172.07+$247.00AOZOY
6$23,650$3,182.99$21,594$1,390.86+$2.1KAOZOY
7$30,774$5,469.21$24,760$1,654.60+$6.0KAOZOY
8$42,819$9,890.44$28,466$1,973.44+$14.4KAOZOY
9$64,941$19,124.51$32,819$2,360.05+$32.1KAOZOY
10$109,795$40,308.71$37,947$2,830.27+$71.8KAOZOY

AOZOY vs BTI: Complete Analysis 2026

AOZOYStock

Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through Retail Banking Group, Institutional Banking Group, Allied Banking Group, Specialty Finance Group, International Finance Group, and Financial Markets Group segments. The company offers checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents deposits, and negotiable certificates of deposit, as well as deposits in foreign currencies. It also provides loans on deeds and notes, and overdrafts; corporate, M&A, project, equity, sustainable, LBO, structured, real estate, business recovery, and project financing products; syndicated loans; discount on promissory notes; securities investments, including public, local, and corporate bonds, as well as equity and other securities; domestic and foreign exchange services; and consignment of bonds. In addition, the company offers liabilities guarantee, securities lending, public bonds underwriting, agency, custody, financial instruments intermediary, securitization, M&A advisory, business succession consulting, business expansion, equity/debt funding, and consulting services. Further, it is involved in the over-the-counter sale of securities investment trusts and insurance products; and provision of trust services for secured corporate bonds, as well as interest rate, currency, and other derivative transaction services. As of March 31, 2021, it operated 19 branches. The company was formerly known as Nippon Fudosan Bank, Limited and changed its name to Aozora Bank, Ltd. in 2001. Aozora Bank, Ltd. was incorporated in 1957 and is headquartered in Tokyo, Japan.

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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.