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CNPAY vs PM: Dividend Comparison 2026

CNPAY yields 8.36% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CNPAY wins by $1545.16M 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 →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — CNPAY vs PM

📍 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 PeriodCNPAYPM
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 + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CNPAY pays
PM 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
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, CNPAY beats the other by $1,230,087,934.73/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CNPAY: 50%PM: 50%
100% PM50/50100% CNPAY
Portfolio after 10yr
$772.63M
Annual income
$723,583,640.69/yr
Blended yield
93.65%
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Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

CNPAY
No analyst data
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% 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)

CNPAY buys
0
PM buys
0
No recent congressional trades found for CNPAY or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNPAYPM
Forward yield8.36%3.49%
Annual dividend / share$0.94$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.5%17.2%
Portfolio after 10y$1545.21M$49.6K
Annual income after 10y$1,447,164,778.76$2,502.61
Total dividends collected$1538.05M$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCNPAY PortfolioCNPAY Income/yrPM PortfolioPM Income/yrGap
1← crossover$12,201$1,500.87$11,650$409.56+$551.00CNPAY
2$16,127$3,071.95$13,592$497.49+$2.5KCNPAY
3$24,067$6,811.68$15,882$605.21+$8.2KCNPAY
4$42,806$17,053.53$18,589$737.41+$24.2KCNPAY
5$96,684$50,882.30$21,794$899.94+$74.9KCNPAY
6$296,250$192,797.87$25,597$1,100.16+$270.7KCNPAY
7$1,308,014$991,026.24$30,118$1,347.30+$1.28MCNPAY
8$8,739,973$7,340,397.80$35,505$1,652.97+$8.70MCNPAY
9$91,632,472$82,280,700.98$41,940$2,031.88+$91.59MCNPAY
10$1,545,211,524$1,447,164,778.76$49,643$2,502.61+$1545.16MCNPAY

CNPAY vs PM: 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 →

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.