HomeCompareFLAT vs PM

FLAT vs PM: Dividend Comparison 2026

FLAT yields 2.70% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PM wins by $25.9K in total portfolio value
10 years
FLAT
FLAT
● Live price
2.70%
Share price
$73.94
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$322.05
Full FLAT 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 — FLAT vs PM

📍 PM 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 PeriodFLATPM
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, FLAT + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FLAT
Annual income on $10K today (after 15% tax)
$229.92/yr
After 10yr DRIP, annual income (after tax)
$273.74/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, PM beats the other by $1,853.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLAT: 50%PM: 50%
100% PM50/50100% FLAT
Portfolio after 10yr
$36.7K
Annual income
$1,412.34/yr
Blended yield
3.85%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

FLAT
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)

FLAT buys
0
PM buys
5
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$PM▼ Sell$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-11-13
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▲ Buy$1,001 - $15,0002025-09-29
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-09-05
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-08-26
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-08-14
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-07-22
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLATPM
Forward yield2.70%3.49%
Annual dividend / share$2.00$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$23.7K$49.6K
Annual income after 10y$322.05$2,502.61
Total dividends collected$3.0K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFLAT PortfolioFLAT Income/yrPM PortfolioPM Income/yrGap
1← crossover$10,970$270.49$11,650$409.56$680.00PM
2$12,016$277.33$13,592$497.49$1.6KPM
3$13,141$283.88$15,882$605.21$2.7KPM
4$14,351$290.15$18,589$737.41$4.2KPM
5$15,651$296.13$21,794$899.94$6.1KPM
6$17,049$301.85$25,597$1,100.16$8.5KPM
7$18,550$307.29$30,118$1,347.30$11.6KPM
8$20,161$312.46$35,505$1,652.97$15.3KPM
9$21,889$317.38$41,940$2,031.88$20.1KPM
10$23,743$322.05$49,643$2,502.61$25.9KPM

FLAT vs PM: Complete Analysis 2026

FLATStock

The investment seeks to provide investors with inverse exposure to the Barclays US Treasury 2Y/10Y Yield Curve Index™. The Barclays US Treasury 2Y/10Y Yield Curve Index™ (the "index") employs a strategy that seeks to capture returns that are potentially available from a "steepening" or "flattening", as applicable, of the U.S. Treasury yield curve through a notional rolling investment in U.S. Treasury note futures contracts. The level of the index is designed to increase in response to a "steepening" of the yield curve and to decrease in response to a "flattening" of the yield curve.

Full FLAT 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 →
📬

Get this FLAT vs PM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FLAT vs SCHDFLAT vs JEPIFLAT vs OFLAT vs KOFLAT vs MAINFLAT vs MOFLAT vs BTIFLAT vs PEP

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