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HCMLF vs BTI: Dividend Comparison 2026

HCMLF yields 4.57% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HCMLF wins by $1.14M in total portfolio value
10 years
HCMLF
HCMLF
● Live price
4.57%
Share price
$81.00
Annual div
$3.70
5Y div CAGR
55.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.18M
Annual income
$770,288.60
Full HCMLF 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 — HCMLF vs BTI

📍 HCMLF 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 PeriodHCMLFBTI
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, HCMLF + BTI cover 0 of 12 monthsgood coverage

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

HCMLF
Annual income on $10K today (after 15% tax)
$388.38/yr
After 10yr DRIP, annual income (after tax)
$654,745.31/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, HCMLF beats the other by $652,376.67/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 HCMLF + BTI for your $10,000?

HCMLF: 50%BTI: 50%
100% BTI50/50100% HCMLF
Portfolio after 10yr
$608.5K
Annual income
$386,537.62/yr
Blended yield
63.52%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HCMLF
No analyst data
Altman Z
3.2
Piotroski
6/9
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)

HCMLF buys
0
BTI buys
0
No recent congressional trades found for HCMLF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCMLFBTI
Forward yield4.57%5.38%
Annual dividend / share$3.70$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR55.2%11.3%
Portfolio after 10y$1.18M$37.7K
Annual income after 10y$770,288.60$2,786.64
Total dividends collected$1.12M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHCMLF PortfolioHCMLF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,409$709.13$11,299$598.92+$110.00HCMLF
2$13,381$1,173.51$12,794$703.91+$587.00HCMLF
3$16,314$1,996.36$14,518$829.07+$1.8KHCMLF
4$20,987$3,530.36$16,513$978.64+$4.5KHCMLF
5$29,043$6,587.21$18,827$1,157.84+$10.2KHCMLF
6$44,298$13,222.28$21,518$1,373.12+$22.8KHCMLF
7$76,651$29,252.30$24,657$1,632.46+$52.0KHCMLF
8$155,435$73,417.85$28,329$1,945.74+$127.1KHCMLF
9$382,258$215,942.35$32,637$2,325.33+$349.6KHCMLF
10$1,179,304$770,288.60$37,708$2,786.64+$1.14MHCMLF

HCMLF vs BTI: Complete Analysis 2026

HCMLFStock

Holcim Ltd, together with its subsidiaries, operates as a building materials and solutions company in the Asia Pacific, Europe, Latin America, the Middle East, Africa, and North America. It operates through four segments: Cement, Aggregates, Ready-mix Concrete, and Solutions & Products. The company offers cement, hydraulic binders, clinker, and other cementitious materials; aggregates, such as crushed stone, gravel, and sand; and ready-mix concrete, precast concrete products, asphalts, and mortars. In addition, it engages in the provision of contracting and other services; and retail activities, as well as waste management services. Its products are used in infrastructure projects, such as roads, mines, ports, dams, data centers, stadiums, wind farms, and electric power plants; building projects comprising individual housing, collective housing, office buildings, industrial and commercial buildings, and public buildings; and affordable housing. The company was formerly known as LafargeHolcim Ltd and changed its name to Holcim Ltd in May 2021. Holcim Ltd was founded in 1833 and is headquartered in Zug, Switzerland.

Full HCMLF 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.