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BDCL vs BTI: Dividend Comparison 2026

BDCL yields 81.97% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BDCL wins by $1.77M in total portfolio value
10 years
BDCL
BDCL
● Live price
81.97%
Share price
$2.44
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.81M
Annual income
$532,500.93
Full BDCL calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — BDCL vs BTI

📍 BDCL 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 PeriodBDCLBTI
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, BDCL + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BDCL pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

BDCL
Annual income on $10K today (after 15% tax)
$6,967.21/yr
After 10yr DRIP, annual income (after tax)
$452,625.79/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, BDCL beats the other by $450,243.84/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

BDCL: 50%BTI: 50%
100% BTI50/50100% BDCL
Portfolio after 10yr
$924.1K
Annual income
$267,651.61/yr
Blended yield
28.96%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

BDCL
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BDCL buys
0
BTI buys
0
No recent congressional trades found for BDCL or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBDCLBTI
Forward yield81.97%5.40%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$1.81M$37.8K
Annual income after 10y$532,500.93$2,802.29
Total dividends collected$1.58M$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearBDCL PortfolioBDCL Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$18,897$8,196.72$11,301$601.08+$7.6KBDCL
2$34,695$14,475.81$12,799$706.58+$21.9KBDCL
3$61,963$24,839.52$14,527$832.38+$47.4KBDCL
4$107,761$41,459.57$16,527$982.75+$91.2KBDCL
5$182,689$67,385.23$18,846$1,162.95+$163.8KBDCL
6$302,243$106,766.16$21,545$1,379.49+$280.7KBDCL
7$488,480$165,079.92$24,694$1,640.41+$463.8KBDCL
8$772,019$249,345.07$28,378$1,955.69+$743.6KBDCL
9$1,194,357$368,296.79$32,702$2,337.79+$1.16MBDCL
10$1,810,463$532,500.93$37,794$2,802.29+$1.77MBDCL

BDCL vs BTI: Complete Analysis 2026

BDCLStock

The investment seeks to replicate, net of expenses, twice the performance of the Wells Fargo Business Development Company Index. The index is a float adjusted, capitalization-weighted index that is intended to measure the performance of all Business Development Companies (“BDC”) that are listed on the New York Stock Exchange or NASDAQ and satisfy specified market capitalization and other eligibility requirements. The BDC business model is to lend to small and midsized companies at high yield equivalent rates while also at times taking equity stakes in such companies.

Full BDCL Calculator →

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.

Full BTI 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.