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CYA vs BTI: Dividend Comparison 2026

CYA yields 44.96% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CYA wins by $265.0K in total portfolio value
10 years
CYA
CYA
● Live price
44.96%
Share price
$0.51
Annual div
$0.23
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$302.8K
Annual income
$56,327.07
Full CYA 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 — CYA vs BTI

📍 CYA 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 PeriodCYABTI
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, CYA + BTI cover 0 of 12 monthsgood coverage

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

CYA
Annual income on $10K today (after 15% tax)
$3,821.91/yr
After 10yr DRIP, annual income (after tax)
$47,878.01/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, CYA beats the other by $45,509.37/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 CYA + BTI for your $10,000?

CYA: 50%BTI: 50%
100% BTI50/50100% CYA
Portfolio after 10yr
$170.2K
Annual income
$29,556.85/yr
Blended yield
17.36%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CYA
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)

CYA buys
0
BTI buys
0
No recent congressional trades found for CYA or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCYABTI
Forward yield44.96%5.38%
Annual dividend / share$0.23$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$302.8K$37.7K
Annual income after 10y$56,327.07$2,786.64
Total dividends collected$235.3K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCYA PortfolioCYA Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$15,196$4,496.37$11,299$598.92+$3.9KCYA
2$22,646$6,385.84$12,794$703.91+$9.9KCYA
3$33,125$8,893.75$14,518$829.07+$18.6KCYA
4$47,602$12,158.09$16,513$978.64+$31.1KCYA
5$67,262$16,328.62$18,827$1,157.84+$48.4KCYA
6$93,534$21,563.33$21,518$1,373.12+$72.0KCYA
7$128,106$28,023.96$24,657$1,632.46+$103.4KCYA
8$172,944$35,870.99$28,329$1,945.74+$144.6KCYA
9$230,308$45,258.16$32,637$2,325.33+$197.7KCYA
10$302,757$56,327.07$37,708$2,786.64+$265.0KCYA

CYA vs BTI: Complete Analysis 2026

CYAStock

The fund is an actively managed, fund of funds ETF that seeks to achieve its investment objective by investing in fixed income and income generating ETFs. The fund will invest between 50-90% of its assets in income generating ETFs including affiliated funds managed by the adviser. The fund may invest up to 20% of its portfolio in derivatives to hedge all or some of the downside risks associated with investing in equity securities commonly known as “tail risk”.

Full CYA 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.