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CNPAY vs BTI: Dividend Comparison 2026

CNPAY yields 8.36% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CNPAY wins by $1545.17M in total portfolio value
10 years
CNPAY
CNPAY
● Live price
8.36%
Share price
$11.29
Annual div
$0.94
5Y div CAGR
79.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1545.21M
Annual income
$1,447,164,778.76
Full CNPAY 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 — CNPAY vs BTI

📍 CNPAY 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 PeriodCNPAYBTI
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, CNPAY + BTI cover 0 of 12 monthsgood coverage

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

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

CNPAY
Annual income on $10K today (after 15% tax)
$710.72/yr
After 10yr DRIP, annual income (after tax)
$1,230,090,061.95/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, CNPAY beats the other by $1,230,087,693.30/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 CNPAY + BTI for your $10,000?

CNPAY: 50%BTI: 50%
100% BTI50/50100% CNPAY
Portfolio after 10yr
$772.62M
Annual income
$723,583,782.70/yr
Blended yield
93.65%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CNPAY
No analyst data
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)

CNPAY buys
0
BTI buys
0
No recent congressional trades found for CNPAY or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNPAYBTI
Forward yield8.36%5.38%
Annual dividend / share$0.94$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.5%11.3%
Portfolio after 10y$1545.21M$37.7K
Annual income after 10y$1,447,164,778.76$2,786.64
Total dividends collected$1538.05M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCNPAY PortfolioCNPAY Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$12,201$1,500.87$11,299$598.92+$902.00CNPAY
2$16,127$3,071.95$12,794$703.91+$3.3KCNPAY
3$24,067$6,811.68$14,518$829.07+$9.5KCNPAY
4$42,806$17,053.53$16,513$978.64+$26.3KCNPAY
5$96,684$50,882.30$18,827$1,157.84+$77.9KCNPAY
6$296,250$192,797.87$21,518$1,373.12+$274.7KCNPAY
7$1,308,014$991,026.24$24,657$1,632.46+$1.28MCNPAY
8$8,739,973$7,340,397.80$28,329$1,945.74+$8.71MCNPAY
9$91,632,472$82,280,700.98$32,637$2,325.33+$91.60MCNPAY
10$1,545,211,524$1,447,164,778.76$37,708$2,786.64+$1545.17MCNPAY

CNPAY vs BTI: Complete Analysis 2026

CNPAYStock

CNP Assurances SA (ENXTPA:CNP) provides insurance, coinsurance, and reinsurance solutions in France, Latin America, and other European countries. It offers life, accident, long-term care, death and funerals, disability, unemployment, loss of income, health, and dental insurance products; property and casualty insurance, such as home-owner and auto insurance; term creditor and guarantee insurance products, including home and business loans, and consumer finance; solutions in the area of guarantees for real estate loans in private market; and pension plans, as well as support and assistance services. The company was founded in 1850 and is headquartered in Paris, France. CNP Assurances SA (ENXTPA:CNP) operates as a subsidiary of La Banque Postale S.A.

Full CNPAY 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.