HomeCompareEMRAF vs BTI

EMRAF vs BTI: Dividend Comparison 2026

EMRAF yields 4.58% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EMRAF wins by $8.8K in total portfolio value· pulled ahead in Year 4
10 years
EMRAF
EMRAF
● Live price
4.58%
Share price
$45.13
Annual div
$2.07
5Y div CAGR
19.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$46.5K
Annual income
$5,814.91
Full EMRAF 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 — EMRAF vs BTI

📍 EMRAF pulled ahead of the other in Year 4

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 PeriodEMRAFBTI
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, EMRAF + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

EMRAF
Annual income on $10K today (after 15% tax)
$389.08/yr
After 10yr DRIP, annual income (after tax)
$4,942.67/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, EMRAF beats the other by $2,574.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

EMRAF: 50%BTI: 50%
100% BTI50/50100% EMRAF
Portfolio after 10yr
$42.1K
Annual income
$4,300.77/yr
Blended yield
10.21%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

EMRAF
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Altman Z
0.7
Piotroski
7/9
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)

EMRAF buys
0
BTI buys
0
No recent congressional trades found for EMRAF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEMRAFBTI
Forward yield4.58%5.38%
Annual dividend / share$2.07$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.9%11.3%
Portfolio after 10y$46.5K$37.7K
Annual income after 10y$5,814.91$2,786.64
Total dividends collected$22.3K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearEMRAF PortfolioEMRAF Income/yrBTI PortfolioBTI Income/yrGap
1$11,249$548.82$11,299$598.92$50.00BTI
2$12,728$691.79$12,794$703.91$66.00BTI
3$14,496$877.13$14,518$829.07$22.00BTI
4← crossover$16,630$1,119.42$16,513$978.64+$117.00EMRAF
5$19,233$1,439.05$18,827$1,157.84+$406.00EMRAF
6$22,445$1,864.95$21,518$1,373.12+$927.00EMRAF
7$26,455$2,438.71$24,657$1,632.46+$1.8KEMRAF
8$31,527$3,220.94$28,329$1,945.74+$3.2KEMRAF
9$38,036$4,301.35$32,637$2,325.33+$5.4KEMRAF
10$46,513$5,814.91$37,708$2,786.64+$8.8KEMRAF

EMRAF vs BTI: Complete Analysis 2026

EMRAFStock

Emera Incorporated, an energy and services company, through its subsidiaries, engages in the generation, transmission, and distribution of electricity to various customers. The company operates through Florida Electric Utility, Canadian Electric Utilities, Other Electric Utilities, Gas Utilities and Infrastructure, and Other segments. It generates electricity through coal-fired, natural gas and/or oil, hydro, wind, solar, petroleum coke, and biomass-fueled power plants. The company is also involved in the purchase, transmission, distribution, and sale of natural gas; and the provision of energy marketing, trading, and other energy asset management services. In addition, it transports re-gasified liquefied natural gas from Saint John, New Brunswick to consumers in the northeastern United States through its 145-kilometer pipeline. As of December 31, 2021, the company's electric utilities served approximately 810,600 customers in West Central Florida; 536,000 customers in Nova Scotia; 132,000 customers in the island of Barbados; 19,000 customers in the Grand Bahama Island; and 35,700 customers in the island of Dominica, as well as gas utilities and infrastructure served approximately 445,000 customers across Florida and 542,000 customers in New Mexico. It also provides insurance and reinsurance services to Emera and its affiliates, as well as offers financing services. The company was incorporated in 1998 and is headquartered in Halifax, Canada.

Full EMRAF 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.