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BTRS vs PM: Dividend Comparison 2026

BTRS yields 21.07% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTRS wins by $28.4K 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 →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — BTRS vs PM

📍 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 PeriodBTRSPM
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 + PM cover 0 of 12 monthsgood coverage

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

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
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, BTRS beats the other by $4,295.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BTRS + PM for your $10,000?

BTRS: 50%PM: 50%
100% PM50/50100% BTRS
Portfolio after 10yr
$63.8K
Annual income
$5,018.97/yr
Blended yield
7.87%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM 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
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

BTRS buys
0
PM buys
0
No recent congressional trades found for BTRS or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBTRSPM
Forward yield21.07%3.48%
Annual dividend / share$2.00$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$78.0K$49.6K
Annual income after 10y$7,545.93$2,492.02
Total dividends collected$45.5K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy
Analyst price target$8.00$194.30

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

YearBTRS PortfolioBTRS Income/yrPM PortfolioPM Income/yrGap
1← crossover$12,807$2,107.48$11,648$408.29+$1.2KBTRS
2$16,227$2,522.57$13,589$495.90+$2.6KBTRS
3$20,349$2,986.92$15,877$603.21+$4.5KBTRS
4$25,275$3,500.77$18,580$734.88+$6.7KBTRS
5$31,107$4,063.62$21,781$896.75+$9.3KBTRS
6$37,959$4,674.22$25,578$1,096.12+$12.4KBTRS
7$45,947$5,330.62$30,092$1,342.17+$15.9KBTRS
8$55,193$6,030.23$35,470$1,646.46+$19.7KBTRS
9$65,827$6,769.88$41,892$2,023.58+$23.9KBTRS
10$77,981$7,545.93$49,578$2,492.02+$28.4KBTRS

BTRS vs PM: 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 →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM 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.