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IAFNF vs BTI: Dividend Comparison 2026

IAFNF yields 2.52% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IAFNF wins by $179.13M in total portfolio value· pulled ahead in Year 2
10 years
IAFNF
IAFNF
● Live price
2.52%
Share price
$111.14
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$179.17M
Annual income
$166,454,914.17
Full IAFNF 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 — IAFNF vs BTI

📍 IAFNF pulled ahead of the other in Year 2

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 PeriodIAFNFBTI
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, IAFNF + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

IAFNF
Annual income on $10K today (after 15% tax)
$213.84/yr
After 10yr DRIP, annual income (after tax)
$141,486,677.04/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, IAFNF beats the other by $141,484,308.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IAFNF: 50%BTI: 50%
100% BTI50/50100% IAFNF
Portfolio after 10yr
$89.60M
Annual income
$83,228,850.41/yr
Blended yield
92.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

IAFNF
Analyst Ratings
6
Buy
Consensus: Buy
Altman Z
0.3
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)

IAFNF buys
0
BTI buys
0
No recent congressional trades found for IAFNF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIAFNFBTI
Forward yield2.52%5.38% ✓
Annual dividend / share$2.80$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓11.3%
Portfolio after 10y$179.17M ✓$37.7K
Annual income after 10y$166,454,914.17 ✓$2,786.64
Total dividends collected$178.19M ✓$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearIAFNF PortfolioIAFNF Income/yrBTI PortfolioBTI Income/yrGap
1$11,203$503.15$11,299$598.92$96.00 → BTI
2← crossover$13,041$1,053.61$12,794$703.91+$247.00 → IAFNF
3$16,246$2,292.44$14,518$829.07+$1.7K → IAFNF
4$22,722$5,338.12$16,513$978.64+$6.2K → IAFNF
5$38,267$13,954.68$18,827$1,157.84+$19.4K → IAFNF
6$84,874$43,928.76$21,518$1,373.12+$63.4K → IAFNF
7$272,932$182,116.22$24,657$1,632.46+$248.3K → IAFNF
8$1,386,681$1,094,643.58$28,329$1,945.74+$1.36M → IAFNF
9$11,879,152$10,395,403.94$32,637$2,325.33+$11.85M → IAFNF
10$179,165,607$166,454,914.17$37,708$2,786.64+$179.13M → IAFNF

IAFNF vs BTI: Complete Analysis 2026

IAFNF — Stock

iA Financial Corporation Inc., through its subsidiary, Industrial Alliance Insurance and Financial Services Inc., provides various life and health insurance products in Canada and the United States. The company operates through Individual Insurance, Individual Wealth Management, Group Insurance, Group Savings and Retirement, US Operations, and Other segments. It offers life, health, disability, and mortgage insurance products, as well as individual products and services for savings plans, securities brokerage, trust operations, and mutual funds. The company also provides group insurance products and services, including accidental death and dismemberment, dental care, short and long-term disability insurance, products for employee plans; creditor and replacement insurance, replacement warranties, extended warranties, and other products for dealer services; and specialized products. In addition, the company offers group products and services for savings plans, retirement, and segregated funds. Further, the company provides auto and home insurance products, as well as offers asset management and financing services. The company was founded in 1892 and is headquartered in Québec, Canada.

Full IAFNF 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 →
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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.