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BTRS vs FCPT: Dividend Comparison 2026

BTRS yields 21.07% · FCPT yields 6.05%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTRS wins by $28.9K in total portfolio value
10 years
BTRS
BTRS
● Live price
21.07%
Share price
$9.49
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.0K
Annual income
$7,545.93
Full BTRS calculator →
FCPT
FCPT
● Live price
6.05%
Share price
$23.65
Annual div
$1.43
5Y div CAGR
15.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.1K
Annual income
$5,775.28
Full FCPT calculator →

Portfolio growth — BTRS vs FCPT

📍 BTRS 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 PeriodBTRSFCPT
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, BTRS + FCPT cover 0 of 12 monthsgood coverage

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

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

BTRS
Annual income on $10K today (after 15% tax)
$1,791.36/yr
After 10yr DRIP, annual income (after tax)
$6,414.04/yr
FCPT
Annual income on $10K today (after 15% tax)
$514.49/yr
After 10yr DRIP, annual income (after tax)
$4,908.99/yr
At 15% tax rate, BTRS beats the other by $1,505.05/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 BTRS + FCPT for your $10,000?

BTRS: 50%FCPT: 50%
100% FCPT50/50100% BTRS
Portfolio after 10yr
$63.5K
Annual income
$6,660.60/yr
Blended yield
10.49%
📊

Analyst Conviction Gap

Where Wall Street is split right now

BTRS
Analyst Ratings
5
Buy
4
Hold
Consensus: Buy
Price Target
$8.00
-15.7% upside vs current
Range: $8.00 — $8.00
FCPT
Analyst Ratings
5
Buy
10
Hold
Consensus: Hold
Price Target
$27.00
+14.2% upside vs current
Range: $25.00 — $29.00
Altman Z
1.4
Piotroski
6/9
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)

BTRS buys
0
FCPT buys
0
No recent congressional trades found for BTRS or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBTRSFCPT
Forward yield21.07%6.05%
Annual dividend / share$2.00$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%15.8%
Portfolio after 10y$78.0K$49.1K
Annual income after 10y$7,545.93$5,775.28
Total dividends collected$45.5K$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusBuyHold
Analyst price target$8.00$27.00

Year-by-year: BTRS vs FCPT ($10,000, DRIP)

YearBTRS PortfolioBTRS Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$12,807$2,107.48$11,401$700.92+$1.4KBTRS
2$16,227$2,522.57$13,064$864.84+$3.2KBTRS
3$20,349$2,986.92$15,051$1,072.48+$5.3KBTRS
4$25,275$3,500.77$17,442$1,337.22+$7.8KBTRS
5$31,107$4,063.62$20,340$1,677.08+$10.8KBTRS
6$37,959$4,674.22$23,880$2,116.57+$14.1KBTRS
7$45,947$5,330.62$28,241$2,689.36+$17.7KBTRS
8$55,193$6,030.23$33,660$3,442.07+$21.5KBTRS
9$65,827$6,769.88$40,456$4,439.95+$25.4KBTRS
10$77,981$7,545.93$49,063$5,775.28+$28.9KBTRS

BTRS vs FCPT: Complete Analysis 2026

BTRSStock

BTRS Holdings Inc. provides cloud-based software and integrated payment processing solutions that automates business-to-business (B2B) commerce worldwide. The company operates in two segments, Print, and Software and Payments. The company offers solutions that span credit decisioning and monitoring, online ordering, invoicing, cash application, and collections. Its products include credit Application, a B2B credit application module, which provides a digital process that delivers credit-related information in real-time to streamline prospect evaluation and new customer onboarding during initial sales activity; Credit Management, a credit management module, which provides ongoing risk assessment for its customers' customers; order/E-commerce module that offers B2B wholesale distributors with e-commerce capabilities; and invoicing module, which enables its customers to optimize invoice delivery across various distribution channels. The company's products also comprise integrated B2B payments, an integrated payment capabilities that enable customers to facilitate payments at every possible touchpoint across solution set; cash application module, which enables revenue reconciliation through line item reconciliation within accounting and ERP systems; collections module that enables customers to shift from a reactive recovery-centric model to a strategic customer touchpoint-centric operation, preventing payment delays, and driving positive customer experiences; and business payments network, which makes accepting electronic payments through connecting suppliers and their underlying systems, AP portals, payment card issuers, banks, and payment processors. It serves customers across various industry verticals comprising technology, healthcare, industrial, wholesale distribution, consumer packaged goods, and others. The company was incorporated in 2001 and is headquartered in Lawrenceville, New Jersey. As of December 16, 2022, BTRS Holdings Inc. was taken private.

Full BTRS Calculator →

FCPTREIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT 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.