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BNFT vs BTI: Dividend Comparison 2026

BNFT yields 19.05% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BNFT wins by $31.1K in total portfolio value
10 years
BNFT
BNFT
● Live price
19.05%
Share price
$10.50
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$68.9K
Annual income
$6,079.53
Full BNFT 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 — BNFT vs BTI

📍 BNFT 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 PeriodBNFTBTI
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, BNFT + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BNFT
Annual income on $10K today (after 15% tax)
$1,619.05/yr
After 10yr DRIP, annual income (after tax)
$5,167.60/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, BNFT beats the other by $2,785.65/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BNFT: 50%BTI: 50%
100% BTI50/50100% BNFT
Portfolio after 10yr
$53.3K
Annual income
$4,440.91/yr
Blended yield
8.33%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

BNFT
Analyst Ratings
8
Buy
9
Hold
1
Sell
Consensus: Hold
Price Target
$9.00
-14.3% upside vs current
Range: $9.00 — $9.00
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BNFT buys
0
BTI buys
0
No recent congressional trades found for BNFT or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBNFTBTI
Forward yield19.05%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$68.9K$37.8K
Annual income after 10y$6,079.53$2,802.29
Total dividends collected$38.2K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$9.00$40.00

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

YearBNFT PortfolioBNFT Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$12,605$1,904.76$11,301$601.08+$1.3KBNFT
2$15,731$2,243.84$12,799$706.58+$2.9KBNFT
3$19,449$2,617.14$14,527$832.38+$4.9KBNFT
4$23,835$3,024.07$16,527$982.75+$7.3KBNFT
5$28,967$3,463.51$18,846$1,162.95+$10.1KBNFT
6$34,928$3,933.88$21,545$1,379.49+$13.4KBNFT
7$41,806$4,433.18$24,694$1,640.41+$17.1KBNFT
8$49,692$4,959.03$28,378$1,955.69+$21.3KBNFT
9$58,679$5,508.79$32,702$2,337.79+$26.0KBNFT
10$68,866$6,079.53$37,794$2,802.29+$31.1KBNFT

BNFT vs BTI: Complete Analysis 2026

BNFTStock

Benefitfocus, Inc. provides cloud-based benefits management technology solutions for employers and health plans in the United States. Its products for employers comprise Benefitplace, a cloud-based benefits management portal that streamlines online enrollment, employee communication, and benefit administration; Health Insights, a data analytics solution; ACA Management and Reporting, a solution for employers to manage ACA compliance; Billing & Payments, an application that synchronizes enrollment and billing information to streamline the monthly billing process, automate adjustments, and enhance accuracy of payments; and COBRA Administration, a solution that simplifies management of Consolidated Omnibus Budget Reconciliation Act, benefits. The company's products for health plans include Enrollment that provides platform for carriers to automate enrollment across all segments of their commercial group business; Billing & Payments, an electronic invoice presentment and payment solution; Exchange, a solution that bridges the integration gap between health plan and employer systems; and Quoting that gives health plans and brokers tools to organize and proactively manage accounts, track leads, generate quotes, and create proposals for multiple products. Its products for brokers consist of Health Insights that support strategic decisions for their clients with on-demand health plan analytics; Benefit Catalog, which allows brokers to offer products to their clients; and benefit catalog consultative support for brokers through benefit advisors. The company also provides implementation services to its customers in order to help ensure seamless deployment and effective utilization of its solutions; and employers with expanded support services. The company was incorporated in 2000 and is headquartered in Charleston, South Carolina.

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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.