HomeCompareAOZOY vs PM

AOZOY vs PM: Dividend Comparison 2026

AOZOY yields 2.16% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 AOZOY wins by $60.2K in total portfolio value· pulled ahead in Year 7
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 →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — AOZOY vs PM

📍 AOZOY pulled ahead of the other in Year 7

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 PeriodAOZOYPM
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 + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
AOZOY pays
PM 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
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, AOZOY beats the other by $32,144.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

AOZOY: 50%PM: 50%
100% PM50/50100% AOZOY
Portfolio after 10yr
$79.7K
Annual income
$21,400.36/yr
Blended yield
26.86%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

AOZOY
No analyst data
Altman Z
0.3
Piotroski
5/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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
PM buys
0
No recent congressional trades found for AOZOY or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAOZOYPM
Forward yield2.16%3.48%
Annual dividend / share$0.09$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR48.7%17.2%
Portfolio after 10y$109.8K$49.6K
Annual income after 10y$40,308.71$2,492.02
Total dividends collected$82.7K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearAOZOY PortfolioAOZOY Income/yrPM PortfolioPM Income/yrGap
1$11,021$321.02$11,648$408.29$627.00PM
2$12,284$491.68$13,589$495.90$1.3KPM
3$13,906$761.62$15,877$603.21$2.0KPM
4$16,077$1,198.15$18,580$734.88$2.5KPM
5$19,128$1,925.11$21,781$896.75$2.7KPM
6$23,650$3,182.99$25,578$1,096.12$1.9KPM
7← crossover$30,774$5,469.21$30,092$1,342.17+$682.00AOZOY
8$42,819$9,890.44$35,470$1,646.46+$7.3KAOZOY
9$64,941$19,124.51$41,892$2,023.58+$23.0KAOZOY
10$109,795$40,308.71$49,578$2,492.02+$60.2KAOZOY

AOZOY vs PM: 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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PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

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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.