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CLNC vs BTI: Dividend Comparison 2026

CLNC yields 36.68% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $11.0K in total portfolio value· pulled ahead in Year 6
10 years
CLNC
CLNC
● Live price
36.68%
Share price
$10.32
Annual div
$3.79
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.7K
Annual income
$4.86
Full CLNC 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 — CLNC vs BTI

📍 BTI pulled ahead of the other in Year 6

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 PeriodCLNCBTI
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%.
📅

Dividend Calendar Overlap

Combined, CLNC + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CLNC
Annual income on $10K today (after 15% tax)
$3,117.49/yr
After 10yr DRIP, annual income (after tax)
$4.13/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 $2,364.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CLNC: 50%BTI: 50%
100% BTI50/50100% CLNC
Portfolio after 10yr
$32.2K
Annual income
$1,395.75/yr
Blended yield
4.34%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CLNC
Analyst Ratings
2
Buy
2
Hold
Consensus: Buy
Altman Z
-0.7
Piotroski
4/9
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)

CLNC buys
0
BTI buys
0
No recent congressional trades found for CLNC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLNCBTI
Forward yield36.68% ✓5.38%
Annual dividend / share$3.79 ✓$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3% ✓
Portfolio after 10y$26.7K$37.7K ✓
Annual income after 10y$4.86$2,786.64 ✓
Total dividends collected$4.1K$14.3K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearCLNC PortfolioCLNC Income/yrBTI PortfolioBTI Income/yrGap
1$12,534$1,833.82$11,299$598.92+$1.2K → CLNC
2$14,485$1,074.05$12,794$703.91+$1.7K → CLNC
3$16,079$580.04$14,518$829.07+$1.6K → CLNC
4$17,506$300.87$16,513$978.64+$993.00 → CLNC
5$18,884$153.07$18,827$1,157.84+$57.00 → CLNC
6← crossover$20,283$77.16$21,518$1,373.12$1.2K → BTI
7$21,742$38.73$24,657$1,632.46$2.9K → BTI
8$23,283$19.40$28,329$1,945.74$5.0K → BTI
9$24,923$9.71$32,637$2,325.33$7.7K → BTI
10$26,672$4.86$37,708$2,786.64$11.0K → BTI

CLNC vs BTI: Complete Analysis 2026

CLNC — Stock

Colony Credit Real Estate, Inc. operates as a real estate investment trust. The company is headquartered in Los Angeles, California. The company is focused on originating and acquiring a diversified portfolio of CRE debt and net lease real estate investments. Its diversified portfolio consists of senior mortgage loans, mezzanine loans, preferred equity, CRE debt securities and net leased properties. The company operates through four segments: Commercial Real Estate Debt, which is focused on originating, acquiring and asset managing CRE debt investments, including mortgage loans, subordinate interests and mezzanine loans, as well as preferred equity interests; Commercial Real Estate Equity, which is focused on the ownership in real estate and real estate assets, and Commercial Real Estate Securities, which is focused on investing in commercial mortgage-backed securities, unsecured REIT debt, collateralized debt obligation (CDO) notes and other securities.

Full CLNC Calculator →

BTI — Consumer 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.