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IAUGY vs PM: Dividend Comparison 2026

IAUGY yields 3.82% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PM wins by $14.6K in total portfolio value
10 years
IAUGY
IAUGY
● Live price
3.82%
Share price
$25.70
Annual div
$0.98
5Y div CAGR
15.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.0K
Annual income
$2,631.89
Full IAUGY calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — IAUGY vs PM

📍 PM 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 PeriodIAUGYPM
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, IAUGY + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IAUGY
Annual income on $10K today (after 15% tax)
$324.90/yr
After 10yr DRIP, annual income (after tax)
$2,237.11/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, IAUGY beats the other by $118.89/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IAUGY: 50%PM: 50%
100% PM50/50100% IAUGY
Portfolio after 10yr
$42.3K
Annual income
$2,561.95/yr
Blended yield
6.06%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

IAUGY
No analyst data
Altman Z
2.3
Piotroski
6/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% 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)

IAUGY buys
0
PM buys
0
No recent congressional trades found for IAUGY or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIAUGYPM
Forward yield3.82%3.48%
Annual dividend / share$0.98$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.4%17.2%
Portfolio after 10y$35.0K$49.6K
Annual income after 10y$2,631.89$2,492.02
Total dividends collected$12.3K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearIAUGY PortfolioIAUGY Income/yrPM PortfolioPM Income/yrGap
1← crossover$11,141$441.10$11,648$408.29$507.00PM
2$12,451$530.01$13,589$495.90$1.1KPM
3$13,961$638.83$15,877$603.21$1.9KPM
4$15,711$772.55$18,580$734.88$2.9KPM
5$17,749$937.63$21,781$896.75$4.0KPM
6$20,133$1,142.38$25,578$1,096.12$5.4KPM
7$22,940$1,397.61$30,092$1,342.17$7.2KPM
8$26,264$1,717.47$35,470$1,646.46$9.2KPM
9$30,223$2,120.64$41,892$2,023.58$11.7KPM
10$34,970$2,631.89$49,578$2,492.02$14.6KPM

IAUGY vs PM: Complete Analysis 2026

IAUGYStock

Insurance Australia Group Limited underwrites general insurance products and provides investment management services in Australia and New Zealand. It offers personal and commercial insurance products, including bicycle, comprehensive motor, commercial and motor fleet, commercial property and liability, construction and engineering, consumer credit, compulsory third party, directors and officers, extended warranty, farm, crop, livestock, home and contents, income protection, marine, veteran, vintage and classic car, boat, caravan, travel, life, professional indemnity, public and product liability, security, workers' compensation, motor vehicle, business, and rural and horticultural, as well as reinsurance. The company sells its products through branches and agencies, call centers, online facilities, brokers, agents, authorized representatives, and financial institutions; and third parties under the NRMA Insurance, SGIO, SGIC, RACV, CGU, ROLLiN, WFI, Swann Insurance, NZI, State, AMI, Lumley, and Coles Insurance brands. The company was formerly known as NRMA Insurance Group Limited and changed its name to Insurance Australia Group Limited in 2002. Insurance Australia Group Limited was founded in 1920 and is based in Sydney, Australia.

Full IAUGY 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 →
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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.