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BPHLF vs BTI: Dividend Comparison 2026

BPHLF yields 3.73% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $17.4K in total portfolio value
10 years
BPHLF
BPHLF
● Live price
3.73%
Share price
$2.00
Annual div
$0.07
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.3K
Annual income
$0.38
Full BPHLF calculator →
BTI
BTI
● Live price
5.38%
Share price
$58.47
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.7K
Annual income
$2,786.64
Full BTI calculator →

Portfolio growth — BPHLF vs BTI

📍 BTI 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 PeriodBPHLFBTI
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, BPHLF + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BPHLF
Annual income on $10K today (after 15% tax)
$317.22/yr
After 10yr DRIP, annual income (after tax)
$0.32/yr
BTI
Annual income on $10K today (after 15% tax)
$457.40/yr
After 10yr DRIP, annual income (after tax)
$2,368.64/yr
At 15% tax rate, BTI beats the other by $2,368.32/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BPHLF: 50%BTI: 50%
100% BTI50/50100% BPHLF
Portfolio after 10yr
$29.0K
Annual income
$1,393.51/yr
Blended yield
4.80%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

BPHLF
No analyst data
Altman Z
0.4
Piotroski
6/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.6% 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)

BPHLF buys
0
BTI buys
0
No recent congressional trades found for BPHLF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBPHLFBTI
Forward yield3.73%5.38%
Annual dividend / share$0.07$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$20.3K$37.7K
Annual income after 10y$0.38$2,786.64
Total dividends collected$377.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearBPHLF PortfolioBPHLF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,887$186.60$11,299$598.92$412.00BTI
2$11,744$94.93$12,794$703.91$1.1KBTI
3$12,613$47.85$14,518$829.07$1.9KBTI
4$13,520$24.02$16,513$978.64$3.0KBTI
5$14,479$12.03$18,827$1,157.84$4.3KBTI
6$15,498$6.02$21,518$1,373.12$6.0KBTI
7$16,586$3.01$24,657$1,632.46$8.1KBTI
8$17,749$1.51$28,329$1,945.74$10.6KBTI
9$18,992$0.75$32,637$2,325.33$13.6KBTI
10$20,322$0.38$37,708$2,786.64$17.4KBTI

BPHLF vs BTI: Complete Analysis 2026

BPHLFStock

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. It operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposit taking and servicing; and consumer lending, such as home mortgages, auto loans, and credit card finance, as well as remittance services to individual and retail markets. The Corporate Banking segment provides deposit taking and servicing, loan facilities, trade, and cash management to corporate and institutional customers, such as high-end corporations and middle market clients. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment activities. The company also provides financing, securities dealer, investment management, land holding, operations management, business systems, foreign exchange, real estate, pre-need, non-life insurance, leasing, and rental services. As of December 31, 2021, it operated 1,176 branches, and 2,457 automated teller machines and cash accept machines. The company also serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and the internet. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

Full BPHLF 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.