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BTI vs SAP: Dividend Comparison 2026

BTI yields 5.40% · SAP yields 1.76%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SAP wins by $22.5K in total portfolio value· pulled ahead in Year 7
10 years
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 →
SAP
SAP
● Live price
1.76%
Share price
$168.29
Annual div
$2.97
5Y div CAGR
43.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.2K
Annual income
$14,866.12
Full SAP calculator →

Portfolio growth — BTI vs SAP

📍 SAP 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 PeriodBTISAP
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, BTI + SAP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
SAP
Annual income on $10K today (after 15% tax)
$150.01/yr
After 10yr DRIP, annual income (after tax)
$12,636.20/yr
At 15% tax rate, SAP beats the other by $10,254.26/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BTI: 50%SAP: 50%
100% SAP50/50100% BTI
Portfolio after 10yr
$49.0K
Annual income
$8,834.20/yr
Blended yield
18.02%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SAP right now

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
SAP
Analyst Ratings
22
Buy
14
Hold
7
Sell
Consensus: Buy
Price Target
$415.33
+146.8% upside vs current
Range: $245.00 — $718.00
Altman Z
6.1
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)

BTI buys
13
SAP buys
0
PoliticianChamberTickerTypeAmountDate
Lisa McClain🏢 House$BTI▼ Sell$1,001 - $15,0002025-09-25
Lisa McClain🏢 House$BTI▲ Buy$1,001 - $15,0002025-08-04
Lisa McClain🏢 House$BTI▼ Sell$1,001 - $15,0002025-06-24
Lisa McClain🏢 House$BTI▲ Buy$1,001 - $15,0002025-06-17
Daniel Goldman🏢 House$BTI▼ Sell$50,001 - $100,0002023-07-10
Daniel Goldman🏢 House$BTI▲ Buy$15,001 - $50,0002023-02-27
Daniel Goldman🏢 House$BTI▼ Sell$50,001 - $100,0002023-01-13
Virginia Foxx🏢 House$BTI▼ Sell$50,001 - $100,0002022-11-02
Virginia Foxx🏢 House$BTI▲ Buy$1,001 - $15,0002022-08-23
Virginia Foxx🏢 House$BTI▲ Buy$1,001 - $15,0002022-07-29
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBTISAP
Forward yield5.40%1.76%
Annual dividend / share$3.15$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR11.3%43.3%
Portfolio after 10y$37.8K$60.2K
Annual income after 10y$2,802.29$14,866.12
Total dividends collected$14.4K$36.3K
Payment frequencyquarterlyquarterly
SectorConsumer StaplesStock
Analyst consensusBuyBuy
Analyst price target$40.00$415.33

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

YearBTI PortfolioBTI Income/yrSAP PortfolioSAP Income/yrGap
1$11,301$601.08$10,953$252.90+$348.00BTI
2$12,799$706.58$12,091$370.97+$708.00BTI
3$14,527$832.38$13,485$548.42+$1.0KBTI
4$16,527$982.75$15,249$819.21+$1.3KBTI
5$18,846$1,162.95$17,556$1,240.57+$1.3KBTI
6$21,545$1,379.49$20,698$1,912.91+$847.00BTI
7← crossover$24,694$1,640.41$25,168$3,020.33$474.00SAP
8$28,378$1,955.69$31,848$4,918.38$3.5KSAP
9$32,702$2,337.79$42,412$8,335.30$9.7KSAP
10$37,794$2,802.29$60,247$14,866.12$22.5KSAP

BTI vs SAP: Complete Analysis 2026

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 →

SAPStock

SAP SE, together with its subsidiaries, provides applications, technology, and services worldwide. It offers SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR and payroll, talent and employee experience management, and people and workforce analytics; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand their business process operations; SAP's industry cloud solutions that provides modular solutions addressing industry-specific functions; Taulia solutions for working capital management to help enable customers mitigate the effects of inflation by providing visibility into working capital and access to liquidity; and sustainability solutions and services. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.

Full SAP 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.