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CRAYF vs BTI: Dividend Comparison 2026

CRAYF yields 14.44% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CRAYF wins by $13.8K in total portfolio value
10 years
CRAYF
CRAYF
● Live price
14.44%
Share price
$13.85
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$51.6K
Annual income
$3,529.16
Full CRAYF calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — CRAYF vs BTI

📍 CRAYF 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 PeriodCRAYFBTI
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, CRAYF + BTI cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CRAYF 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.

CRAYF
Annual income on $10K today (after 15% tax)
$1,227.44/yr
After 10yr DRIP, annual income (after tax)
$2,999.79/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, CRAYF beats the other by $617.84/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 CRAYF + BTI for your $10,000?

CRAYF: 50%BTI: 50%
100% BTI50/50100% CRAYF
Portfolio after 10yr
$44.7K
Annual income
$3,165.72/yr
Blended yield
7.08%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CRAYF
No analyst data
Altman Z
1.0
Piotroski
6/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRAYF buys
0
BTI buys
0
No recent congressional trades found for CRAYF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRAYFBTI
Forward yield14.44% ✓5.40%
Annual dividend / share$2.00$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3% ✓
Portfolio after 10y$51.6K ✓$37.8K
Annual income after 10y$3,529.16 ✓$2,802.29
Total dividends collected$24.4K ✓$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCRAYF PortfolioCRAYF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$12,144$1,444.04$11,301$601.08+$843.00 → CRAYF
2$14,633$1,638.93$12,799$706.58+$1.8K → CRAYF
3$17,503$1,845.64$14,527$832.38+$3.0K → CRAYF
4$20,791$2,063.20$16,527$982.75+$4.3K → CRAYF
5$24,537$2,290.49$18,846$1,162.95+$5.7K → CRAYF
6$28,781$2,526.32$21,545$1,379.49+$7.2K → CRAYF
7$33,565$2,769.41$24,694$1,640.41+$8.9K → CRAYF
8$38,933$3,018.46$28,378$1,955.69+$10.6K → CRAYF
9$44,931$3,272.14$32,702$2,337.79+$12.2K → CRAYF
10$51,605$3,529.16$37,794$2,802.29+$13.8K → CRAYF

CRAYF vs BTI: Complete Analysis 2026

CRAYF — Stock

Crayon Group Holding ASA, together with its subsidiaries, operates as an IT advisory company in software and digital transformation services. It operates through Software & Cloud Direct, Software & Cloud Channel, Software & Cloud Economics, and Consulting segments. The company provides assess and migrate services, including cloud migration assessment, maturity assessment, cloud infrastructure advisory and migration, cloud POC, cloud tenant migration, cloud connectivity, modern workplace migration, and cloud identity; govern and optimize services comprising IT governance, license optimization, software and cloud economics, and SAM tool; operate and support services, such as modern workplace adoption, software and cloud advisory service desk, and support program services; and data platform and AI solutions services. It also offers software and IT asset management training services. The company has operations in the Nordics, Europe, the Asia-Pacific, the Middle East and Africa, and the United States. Crayon Group Holding ASA is headquartered in Oslo, Norway.

Full CRAYF 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.