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HCXLF vs BTI: Dividend Comparison 2026

HCXLF yields 2.61% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $14.1K in total portfolio value
10 years
HCXLF
HCXLF
● Live price
2.61%
Share price
$19.15
Annual div
$0.50
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.6K
Annual income
$309.01
Full HCXLF 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 — HCXLF vs BTI

📍 BTI 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 PeriodHCXLFBTI
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, HCXLF + BTI cover 0 of 12 monthsgood coverage

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

HCXLF
Annual income on $10K today (after 15% tax)
$221.93/yr
After 10yr DRIP, annual income (after tax)
$262.66/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, BTI beats the other by $2,105.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HCXLF: 50%BTI: 50%
100% BTI50/50100% HCXLF
Portfolio after 10yr
$30.6K
Annual income
$1,547.82/yr
Blended yield
5.05%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HCXLF
Analyst Ratings
2
Buy
3
Hold
Consensus: Hold
Altman Z
2.3
Piotroski
5/9
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)

HCXLF buys
0
BTI buys
0
No recent congressional trades found for HCXLF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCXLFBTI
Forward yield2.61%5.38%
Annual dividend / share$0.50$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$23.6K$37.7K
Annual income after 10y$309.01$2,786.64
Total dividends collected$2.9K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearHCXLF PortfolioHCXLF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,961$261.10$11,299$598.92$338.00BTI
2$11,996$267.47$12,794$703.91$798.00BTI
3$13,109$273.57$14,518$829.07$1.4KBTI
4$14,306$279.40$16,513$978.64$2.2KBTI
5$15,593$284.96$18,827$1,157.84$3.2KBTI
6$16,974$290.27$21,518$1,373.12$4.5KBTI
7$18,458$295.32$24,657$1,632.46$6.2KBTI
8$20,050$300.12$28,329$1,945.74$8.3KBTI
9$21,758$304.68$32,637$2,325.33$10.9KBTI
10$23,590$309.01$37,708$2,786.64$14.1KBTI

HCXLF vs BTI: Complete Analysis 2026

HCXLFStock

Hiscox Ltd, through its subsidiaries, provides insurance and reinsurance services in the United Kingdom, Europe, the United States, and internationally. The company operates through four segments: Hiscox Retail, Hiscox London Market, Hiscox Re & ILS, and Corporate Centre. It provides commercial insurance for small-and medium-sized businesses, personal lines cover, including high-value household, fine art, luxury motor, and classic car through brokers, partners and direct-to-consumer using both traditional and digital trading models. The company also offers property insurance; marine and energy insurance; aviation insurance; casualty insurance; specialty insurance; kidnap and ransom insurance; and other specialty insurance, such as contingency, terrorism, personal accident, and product recall. In addition, it provides healthcare and casualty reinsurance services, as well as investment services. Hiscox Ltd was founded in 1901 and is based in Pembroke, Bermuda.

Full HCXLF 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.

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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.