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HVRRF vs BTI: Dividend Comparison 2026

HVRRF yields 4.76% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HVRRF wins by $12.46M in total portfolio value
10 years
HVRRF
HVRRF
● Live price
4.76%
Share price
$303.47
Annual div
$14.43
5Y div CAGR
69%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$12.49M
Annual income
$10,260,107.72
Full HVRRF 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 — HVRRF vs BTI

📍 HVRRF 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 PeriodHVRRFBTI
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, HVRRF + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HVRRF
Annual income on $10K today (after 15% tax)
$404.18/yr
After 10yr DRIP, annual income (after tax)
$8,721,091.56/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, HVRRF beats the other by $8,718,722.92/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HVRRF: 50%BTI: 50%
100% BTI50/50100% HVRRF
Portfolio after 10yr
$6.27M
Annual income
$5,131,447.18/yr
Blended yield
81.90%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HVRRF
No analyst data
Altman Z
1.5
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)

HVRRF buys
0
BTI buys
0
No recent congressional trades found for HVRRF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHVRRFBTI
Forward yield4.76%5.38%
Annual dividend / share$14.43$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR69%11.3%
Portfolio after 10y$12.49M$37.7K
Annual income after 10y$10,260,107.72$2,786.64
Total dividends collected$12.28M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHVRRF PortfolioHVRRF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,504$803.60$11,299$598.92+$205.00HVRRF
2$13,769$1,460.07$12,794$703.91+$975.00HVRRF
3$17,493$2,760.21$14,518$829.07+$3.0KHVRRF
4$24,256$5,538.72$16,513$978.64+$7.7KHVRRF
5$38,084$12,130.30$18,827$1,157.84+$19.3KHVRRF
6$70,832$30,081.48$21,518$1,373.12+$49.3KHVRRF
7$164,156$88,365.57$24,657$1,632.46+$139.5KHVRRF
8$499,101$323,454.68$28,329$1,945.74+$470.8KHVRRF
9$2,087,317$1,553,278.26$32,637$2,325.33+$2.05MHVRRF
10$12,493,536$10,260,107.72$37,708$2,786.64+$12.46MHVRRF

HVRRF vs BTI: Complete Analysis 2026

HVRRFStock

Hannover Rück SE, together with its subsidiaries, provides reinsurance products and services worldwide. It operates through Property & Casualty Reinsurance, and Life & Health Reinsurance segments. The company offers property, casualty, facultative, catastrophe XL, structured reinsurance, and insurance-linked securities. It also provides risk solutions for agricultural, livestock, and bloodstock businesses; aviation and space business; and marine and offshore energy business, as well as credit, surety, and political risks reinsurance products. In addition, the company offers group and individual credit life, enhanced annuities, group life and health, and Takaful reinsurance products; and risk solutions in the areas of critical illness, disability, health, longevity, long term care, mortality, and morbidity. Further, it provides various financial solutions, including new-business financing; monetization of embedded value; reserve and solvency relief; and divestiture of non-core businesses. The company was formerly known as Hannover Rückversicherung AG and changed its name to Hannover Rück SE in March 2013. The company was founded in 1966 and is headquartered in Hanover, Germany. Hannover Rück SE is a subsidiary of Talanx AG.

Full HVRRF 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.