Is FANDF or BTI a better dividend investment in 2026?

FANDF currently yields 5.11% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between FANDF and BTI?

FANDF has a forward dividend yield of 5.11% ($0.26/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 0.27 percentage points.

Home › Compare › FANDF vs BTI

FANDF vs BTI: Dividend Comparison 2026

FANDF yields 5.11% · BTI yields 5.38%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FANDF wins by $295.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FANDF

● Live price

5.11%

Share price

$5.02

Annual div

$0.26

5Y div CAGR

43.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$333.2K

Annual income

$161,686.69

Full FANDF calculator →

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 — FANDF vs BTI

📍 FANDF pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	FANDF	BTI
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%.

📅

Dividend Calendar Overlap

Combined, FANDF + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FANDF pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FANDF

Annual income on $10K today (after 15% tax)

$434.75/yr

After 10yr DRIP, annual income (after tax)

$137,433.69/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, FANDF beats the other by $135,065.04/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FANDF: 50%BTI: 50%

100% BTI50/50100% FANDF

Portfolio after 10yr

$185.4K

Annual income

$82,236.67/yr

Blended yield

44.34%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FANDF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

0.5

Piotroski

4/9

BTI

Analyst Ratings

Buy

Hold

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)

FANDF buys

BTI buys

No recent congressional trades found for FANDF or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricFANDFBTI

Forward yield	5.11%	5.38% ✓
Annual dividend / share	$0.26	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	43.2% ✓	11.3%
Portfolio after 10y	$333.2K ✓	$37.7K
Annual income after 10y	$161,686.69 ✓	$2,786.64
Total dividends collected	$292.7K ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples
Analyst consensus	Buy	Buy

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

Year	FANDF Portfolio	FANDF Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$11,432	$732.42	$11,299	$598.92	+$133.00 → FANDF
2	$13,353	$1,120.62	$12,794	$703.91	+$559.00 → FANDF
3	$16,040	$1,751.73	$14,518	$829.07	+$1.5K → FANDF
4	$19,979	$2,816.02	$16,513	$978.64	+$3.5K → FANDF
5	$26,071	$4,694.19	$18,827	$1,157.84	+$7.2K → FANDF
6	$36,094	$8,198.18	$21,518	$1,373.12	+$14.6K → FANDF
7	$53,811	$15,189.90	$24,657	$1,632.46	+$29.2K → FANDF
8	$87,885	$30,307.12	$28,329	$1,945.74	+$59.6K → FANDF
9	$160,281	$66,244.10	$32,637	$2,325.33	+$127.6K → FANDF
10	$333,187	$161,686.69	$37,708	$2,786.64	+$295.5K → FANDF

FANDF vs BTI: Complete Analysis 2026

FANDF — Stock

FirstRand Limited, together with its subsidiaries, provides banking, transactional, lending, investment, and insurance products and services in South Africa, rest of Africa, the United Kingdom, and internationally. The company offers deposit and savings products; personal loans; and asset and invoice finance, as well as SME commercial, residential, and buy-to-let mortgages. It also provides life and short-term insurance products; card-acquiring services; and vehicle finance, installment credit and fleet management, and corporate and investment banking services. In addition, the company offers asset management, as well as vehicle-related insurance services. It serves retail, commercial, corporate, and public sector customers, as well as small business, agricultural, medium corporate, parastatal, and government entities. The company was incorporated in 1966 and is based in Sandton, South Africa.

Full FANDF 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 →

📬

Get this FANDF vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FANDF vs SCHD FANDF vs JEPI FANDF vs O FANDF vs KO FANDF vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.